https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106 Fill in the padlet with information on banking information en-us 2021-02-03 01:46:09 UTC 2021-03-08 04:50:19 UTC hello@padlet.com https://padlet-assets.s3.amazonaws.com/icons/Dootheets.png judith_jorgensen https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1156609202 2021-02-03 01:47:22 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1156609202 judith_jorgensen https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1156609527 2021-02-03 01:47:34 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1156609527 judith_jorgensen https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1156609703 2021-02-03 01:47:39 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1156609703 05pclouser https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253861873 Venmo and paypal. You use your phone and find the other persons account and transfer the amount of money.]]> 2021-03-01 16:01:27 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253861873 02njames https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253864684 Wire transfer, you can send money from your account to another account in a different bank by giving the bank account information of the recipient. ]]> 2021-03-01 16:01:57 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253864684 05slakhal https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253864837 2021-03-01 16:01:58 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253864837 03lmccullough https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253865152 Lost card fee - replacement fee for a debit or credit card]]> 2021-03-01 16:02:01 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253865152 06schoi https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253865342 cash app, can get an optional visa debit card that allows them to use funds from their cash app account]]> 2021-03-01 16:02:03 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253865342 05arogers https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253869103 cash app and direct deposit - with cash app and direct deposit you can type a specific amount of money that you want to send to someone and it transfers to their account.]]> 2021-03-01 16:02:41 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253869103 04dbonanno https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253870191 You can write a check made out to their name ]]> 2021-03-01 16:02:51 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253870191 05slakhal https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253870250 2021-03-01 16:02:52 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253870250 06dunadkat https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253871426 Online Wiring money from one account to another(also known as Bank wire transfer)]]> 2021-03-01 16:03:04 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253871426 04earce https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253872210 Overdraft fee - occurs when you spend more money than you have available in your bank account ]]> 2021-03-01 16:03:12 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253872210 06cstuver https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253873519 Apple pay, Is a very good method to because all you have to do it text it to some one and it can go to there credit card that they linked or there apple account ]]> 2021-03-01 16:03:26 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253873519 03lmccullough https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253876171 Restrictive endorsement - restricts further negotiation]]> 2021-03-01 16:03:53 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253876171 06dunadkat https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253877280 First off, you need to bring at least one form of photo ID. Some banks may require two forms of identification. These forms can be a state ID, Social Security card, passport or birth certificate. You will need to provide personal information like your date of birth, physical address and phone number]]> 2021-03-01 16:04:04 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253877280 06schoi https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253880493 ATM fees - a fee that many banks and interbank networks charge for the use of their automated teller machines.]]> 2021-03-01 16:04:37 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253880493 04dbonanno https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253882390 Service Fee- Some banks will charge you monthly to hold your money for you in your accounts. ]]> 2021-03-01 16:04:56 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253882390 05slakhal https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253885590 Checking account fees. These fees cover the costs of managing your checking account. Usually like 10 dollars and only a one time payment]]> 2021-03-01 16:05:28 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253885590 05pclouser https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253886801 One time joining fee- It is a fee for when you join the bank but you only pay it once.]]> 2021-03-01 16:05:40 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253886801 05arogers https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253888795 late fees - if you don't pay a bill on time or you miss the deadline for something, there's a fee that you have to pay]]> 2021-03-01 16:05:59 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253888795 06kmiles https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253891292 Blank Endorsement – Where the endorser signs his name only, and it becomes payable to bearer.]]> 2021-03-01 16:06:24 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253891292 06kmiles https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253899516 Account Closing fee-Closing costs are fees and expenses you pay when you close on your house, beyond the down payment.]]> 2021-03-01 16:07:45 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253899516 02njames https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253906363 Letter of Credit, its a letter from one bank to another that guarantees a seller will receive the buyers payment ]]> 2021-03-01 16:08:54 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253906363 06cstuver https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253909125 Insufficient Fund Fee, Is when you do not have enough money in your checking account to pay for your transaction ]]> 2021-03-01 16:09:21 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253909125 04earce https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253924520 You can transfer money through a mobile app like Zelle. The money can be sent from your bank account with the recipient's phone number. ]]> 2021-03-01 16:11:47 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1253924520 06kdieujuste https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1254188058 Inactivity Fee, when you don't use your checking or savings account, you have to pay a maintenance fee.]]> 2021-03-01 16:53:08 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1254188058 06kdieujuste https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1254215975 Partial Endorsement, when the endorsee receives only a part of the amount that is payable. ]]> 2021-03-01 16:57:24 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1254215975 03nbarish https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1258970446 A qualified endorsement is one where liability is disclaimed by the endorser through inclusion of a phrase that comes before their signature. ]]> 2021-03-02 15:39:17 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1258970446 03nbarish https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1258985998 A minimum balance fee is a charge that is added on when your balance goes below a specific amount that is specified by the bank]]> 2021-03-02 15:41:54 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1258985998 05ebedas https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1259003396 You can send money through secured apps such as pay pal to an email address that belongs to a person you would like to send money to ]]> 2021-03-02 15:44:45 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1259003396 05ebedas https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1259023221 Deposited item returned fee is when someone gives you a check for a certain amount, but they don't have the funds to cover it, the check will bounce and be returned  to you, the depositor]]> 2021-03-02 15:47:59 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1259023221 05bdalessandro https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1259091005 2021-03-02 15:58:59 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1259091005 05bdalessandro https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1259111117 2021-03-02 16:02:19 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1259111117 04cgreen https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261175700 Different wire transfer apps can help send money like bitcoin and cash app. Most apps use your card routing number and other banking info to make transfers.]]> 2021-03-02 23:36:04 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261175700 04cgreen https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261186982 ATM fees- These occur when you use an atm that is not affiliated with you bank.]]> 2021-03-02 23:41:38 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261186982 04lbrinkley https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261708862 Late fee is when you fail to pay your bill or what you owe on time, so they charge you extra. ]]> 2021-03-03 02:32:57 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261708862 04gkish https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261812668 Tuition fee is when fees are charged by education institutions for instructions. These fees can be used for other purposes too.]]> 2021-03-03 03:13:35 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261812668 04gkish https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261813204 Venmo,google pay, apple pay, cashapp, paypal, are all examples of websites, or applications you can use through your phone or computer to transfer money from your bank account to someone elses. You can request and send money to others. You can also use bank of america or suntrust, etc.]]> 2021-03-03 03:13:48 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261813204 04awallin https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261924810 2021-03-03 04:06:36 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261924810 04awallin https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261925238 2021-03-03 04:06:50 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261925238 04awallin https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261929520 Since everybody named all the big apps here is a lesser know one called Xoom. It is a service run by paypal that you can use to transfer money.]]> 2021-03-03 04:09:09 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1261929520 04mayivon https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1280291568 1. Get Application Materials
- Collect ID, proof of address, and opening deposit.
2. Complete an Application
-Fill the application online
3. Sign Account Documents
- Make your signature
4. Make opening deposits
-With a temporary hold, the money will be put into your account.]]> 2021-03-08 04:43:14 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1280291568 04mayivon https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1280293093 Special Endorsement is when the endorser puts his name on the payment and the name of the recipient.]]> 2021-03-08 04:43:49 UTC https://padlet.com/judith_jorgensen/4zkeo1h27hhgw106/wish/1280293093