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Credit Card
Debit Card
Savings Account
Checking Account
Interest Rates
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You can view your credit card account balance at any Wells Fargo ATM. Get cash using your credit card and PIN at more than 1 million financial institutions and ATMs worldwide. You can access up to $500 per day from your credit card account. These transactions constitute cash advances on your credit card account. Transaction fees will apply and the APR for Cash Advances will be charged. Please see your Customer Agreement and Disclosure Statement. To request a Personal Identification Number (PIN), please call Customer Service at 1-800-642-4720. A PIN will be mailed to you within five days. You can also sign on to Wells Fargo Online and request a PIN online.
How do I use my credit card at ATMs?
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A debit card looks like a credit card but works like an electronic check. Why? Because the payment is deducted directly from a checking or savings account. If you use a debit card at a retail store, you or the cashier can run your card through a scanner that enables your financial institution to verify electronically that the funds are available and approve the transaction. Most debit cards also can be used to withdraw cash at ATMs (automated teller machines).
What is a debit card?
100
Most banks require an initial minimum deposit to open a savings account. This varies by financial institution, but average deposits range between $5 and $25. Some banks also have rules regarding account balances, in which you have to keep a certain amount in your savings to maintain the account. Inquire about minimum balance requirements before opening a savings account, and then decide whether you can afford a relationship with the financial institution.
What are the minimum deposit and minimum balance requirements?
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A checking account is a service that allows you to deposit and withdraw money via a secure, protected account. While the types of checking accounts vary by bank, an account holder typically distributes the funds in their account by check, debit card or online transfer.
What is a checking account?
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An interest charge is the sum of interest on your credit card account. The interest charge is broken down by transaction type: purchases, cash advances and balance transfers. If you pay less than the full balance, pay after the payment due date (or if your credit card does not have a interest free period) then you will pay interest on those purchases. Cash advances and balance transfers have no interest free period. This means they start accruing interest as soon as the transaction is made. This will result in interest due, even if your balance is paid in full.
What is an interest charge? When does it occur?
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If your credit card is lost or stolen, report it immediately to our 24-hour Customer Service number, 1-800-642-4720. This number is also printed on your monthly statements. Please note: when you report your credit card lost or stolen you will receive a new card with a new account number. Please continue to make payments as usual except for amounts in dispute. If you are enrolled in Automatic Payment or Overdraft Protection services, these services may be temporarily unavailable for up to 72 hours while we set up your new account.
How do I report a lost or stolen card?
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For many people, it is more convenient to carry a small, plastic card instead of a bulky checkbook or a large amount of cash. Using a debit card is also easier and faster than writing a check. It's a good way to pay for purchases without having to pay interest, as you would if using a credit card with an outstanding balance. You can even use your debit card to get cash when you make purchases at a store.
Why do people use debit cards?
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Getting a higher interest rate on your savings is one way to grow your money. Traditional savings accounts have low rates in comparison to other savings products, such as money market accounts or certificates of deposit. But there are ways to get the most out of your savings. You might earn 0.01% APY on a traditional savings account, but with a high-yield savings account, you can earn 1.00% APY or more. Discuss your options with your financial institution and compare rates with online banks. Online banks have less overhead and can typically afford to offer higher rates.
What is the savings account interest rate?
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For your convenience, you can apply for many Citizens Bank personal and business products right online, including checking accounts. You'll find information about how to open a checking account on individual product pages. If you prefer, you can also open an account by calling the Citizens Bank 24-hour PhoneBank at 1-888-910-4100 or by visiting any Citizens Bank branch.
How do I open a checking account?
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APR stands for Annual Percentage Rate. APR is the cost of credit expressed as an annual percentage. To determine the monthly periodic rate, divide the APR by 12 months. To determine a daily periodic rate, divide the APR by 365 days. Check out our 0% Intro APR Credit Cards.
What is the definition of APR?
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You can pay your credit card bill: Online. Compare your payment options By mail. (Please include your credit card account number on your check) Regular mail: Wells Fargo Card Services, P.O. Box 30086, Los Angeles, CA 90030-0086 Express mail: Wells Fargo Payments – Regulus, 1200 West 7th Street, Suite L2-200, Los Angeles, CA 90017 By phone. 1-800-TO-WELLS (1-800-869-3557)
How do I pay my bill?
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There may be fees for using your debit card. Examples: Some banks charge a fee if you enter a PIN (Personal Identification Number) to conduct a transaction instead of signing your name. You may trigger a fee if you overdraw your account using your debit card, just as you would if you "bounced" a check. Or, there could be a charge if you use your debit card as an ATM card at a machine that is not operated by your financial institution. As with other bank products, your financial institution must provide disclosures explaining the possible fees associated with a debit card. Be sure to read the disclosures to avoid an unexpected fee.
What kinds of costs are associated with debit cards?
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Opening a savings account is simple and can take less than 10 minutes to set up. There are two ways you can open a savings account: you can visit a bank branch in-person or open an account online. The financial institution will ask for your address, phone number and date of birth; and you will need your social security number and driver’s license on hand. Complete your application, and if applying in-person, provide the banker with your initial deposit. If you decide to open a savings account online, you can visit a local bank branch to fund your account or transfer funds from an existing account.
What Do You Need to Open a Savings Account?
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The fastest way to transfer funds either between your checking and savings accounts or to any other account at our bank is through Online Banking. You may also make transfers between your accounts any time at an ATM
How do I transfer funds?
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The credit limit, also known as credit line is simply the maximum amount of credit available to you for purchasing goods and services.
What is a Credit Limit?
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Sign on to Wells Fargo Online® to see your credit card balance, add card services, transfer funds, and more. If you are not signed up for online access, sign up now. If you are signed up for online access and don’t see your credit card account online, simply sign on to Wells Fargo Online, go to Account Services, and select Add Accounts. If you do not see your credit card account in the Add Account dropdown list, please call 1-800-956-4442.
How do I view my credit card balance?
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As with similar financial products, rewards-linked debit cards are designed to encourage people to use a certain bank and its services. Before opening a new account or changing banks just to get a different perk, study the fine print. Start by reading the disclosures that explain the account terms and fees to understand the potential benefits as well as the costs.
Some debit cards come with "rewards" or other incentives for using them. How can I know which one is a good deal?
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Interest is compounded daily, paid quarterly. The interest rates may change as often as daily.
How is interest paid?
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With certain checking accounts, you can earn interest—typically at very low rates—if you keep a minimum balance available or meet other requirements established by your banking institution. Keep in mind that an account that earns interest may come with higher fees and may require you to maintain a larger balance to prevent monthly fees. As you assess your checking account options, remember that your financial situation will likely change over time. Ask your bank what you will need to do as your finances grow.
Can I earn interest?
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The Cash Credit Limit is the amount from your Total Credit Limit available for cash advances. Generally, Bank Cash Advances consist of ATM cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash advances, Overdraft Protection Cash Advances, Cash Equivalents, and applicable transaction fees.
What is a Cash Credit Limit?
500
Your Wells Fargo credit card is automatically covered by Zero Liability at no extra cost. If your card or its number is ever lost or stolen, you’re not responsible for unauthorized purchases when you report them promptly by calling customer service at 1-800-642-4720. For more information, including information regarding your billing rights, please see your monthly statement or Customer Agreement and Disclosure Statement.
What if there are unauthorized charges on my card?
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You can use a debit card wherever Visa or MasterCard cards are accepted, just like a credit card. However, when you use a debit card, the purchase amount is deducted from your checking account.
How is a debit card different from a credit card?
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Open a Union Bank Preferred SavingsSM with $10,000 or start a Regular Savings with $50. Kids can open a Kidz Savings account or a Teen Savings account with just $1.
What is the minimum opening deposit?
500
A checking account is a great way to store your money. An account also helps you keep track of your spending: you can simply record transactions in your account register. Checking accounts are also very convenient. As mentioned previously, your paycheck can be deposited into a checking account, pay bills and make purchases without cash.
Why should I open a checking account?
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It states the terms and conditions of a credit card account and represents a binding agreement between you and Chase. The Credit Cardmember Agreement also presents the annual percentage rate, the monthly minimum payment formula, annual fees and dispute resolution processes.
What is a Credit Cardmember Agreement?