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Banking

Should Married Couples Have Separate Bank Accounts? | Beem

Experts tend to believe that having a separate bank account means having a distant relationship with your partner. In the case where one partner is bringing a fortune and the other partner doesn't have anything, it makes sense to have a separate bank account.

September 5, 2022
Devanshee Dave

Prepaid Debit Card – Benefits

When you hear prepaid debit card, think of it as a gift card. It allows you to spend any amount of money is stored on the card. When you're low on balance, you can reload the card online or at an ATM.

September 4, 2022
Richard Samuel

How to Stop Paying Bank Atm Charges

In the United States, the average charge for withdrawing money from an out-of-network ATM is $2.01. If you are in a situation where you have to give cash only then you can look out on your bank or credit union's website for a free ATM.

September 1, 2022
Devanshee Dave

How to cancel a money order

If the money order is not cashed, you can cancel it. You would be needed to fill a request form to cancel the money order. This would include the purchase date of the money order, its location, amount and the tracking ID.

August 31, 2022
Devanshee Dave

How Much Money Should I Keep in My Checking Account?

You don’t earn interest on the cash in a checking account and thus there is no need to keep an excessive amount. You should have an amount equal to your one or two months of expenses in addition to a 20% to 30% buffer cash in your checking account.

August 31, 2022
Devanshee Dave

How to Close a Bank Account

The first step to take before closing an account is to open a new bank account. Before closing an account, you will need to inform your bank and update your information for the subscriptions, services, and bills that you usually pay to be canceled and transferred to the new account.

August 31, 2022
Devanshee Dave

How to Avoid ATM Fees : Tips & Tricks

Many times, you have to pay fees on the usage of out-of-network bank ATMs. Such fees can cost you $50 to $60 annually. Choosing a bank as per your needs, such as where usage is higher: international ATMs, domestic ATMs or out-of-network ATMs, can help you benefit in waived fees.

August 31, 2022
Devanshee Dave

How to Get a New Debit Card ?

If you report your missing card, you would be able to protect yourself against the loss that follows. In case you are sure that your card will not be found, the best option is to cancel or terminate it and fill out the application for a new one.

August 30, 2022
Devanshee Dave

How Long Does It Take for a Check to Deposit? | Beem

Check processing generally takes time, but you can access $200 of the initial amount on the first business day. The overall check clearance can take from 2 business days to more depending on your bank, amount, nature of the transaction, etc.

August 30, 2022
Devanshee Dave

How to Avoid Debit Card Fraud: Best Tips

If you find that your debit card is lost or stolen, immediately call your bank’s fraud hotline. File a report with your bank within 2 business days if you discover any spurious charges or deductions from your bank account.

August 30, 2022
Devanshee Dave

Travel Benefits: Bank Offers to Opt For

Start with fewer wire transfer charges, reasonable currency conversion rates and low-cost international bank ATM fees.

August 29, 2022
Richard Samuel

How to Avoid Overdraft Fees?

According to the Consumer Financial Protection Bureau, debit card transactions cause more overdraft fee than any other type of transaction.

August 29, 2022
Richard Samuel

Cash a Check: A Step-by-Step Guide

Checks are commonly used even today to make payments. So, if someone pays you using a check, how can you encash it without paying a large fee for it? Read on to find out more on how you can do this in simple ways.

August 29, 2022
Johnathan James

Benefits of Savings Accounts: What You Need to Know

A savings account lets you save your money and you earn interest on your savings. You can earn an annual yield of around 0.50% on savings accounts. Your money is safe in a savings account because it has a Federal guarantee of up to $250,000.

August 28, 2022
Devanshee Dave

Switching Banks: A Guide to Smooth Transition

People change their bank accounts to get a better deal on the interest rate, lower fees, or even get more access to ATMs. Diversifying your account helps to optimize finances and gain more benefits than usual. You need to make sure that you get a written note that your account is closed to ensure no future disputes arise.

August 28, 2022
Devanshee Dave

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1. Beem's Cash for emergencies or Everdraft™ product is different from cash advance, payday loans, personal loans. Depending on eligibility, Everdraft™ ranges from $5 - $1,000, subject to Beem's qualification terms and policies. Everdraft is part of the product bundle that comes with the Beem's monthly subscription. There are multiple ways to get your funds credited, however when funds are instantly transferred to debit card, a fee of $1-$4 may apply. Most users receive their Instant Transfer within 1-20 minutes. To check the Everdraft™ eligibility, users don't need to have a Beem monthly subscription. Beem doesn't ask for credit score to check the Everdraft™ qualification.

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