The “People Power” Money Superbook: Book 3 . Banks, Loans, Credit, Debt, Bankruptcy, Debit Cards

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Banks are in business to make money by lending money to consumers and business people. They are for-profit institutions. The banks loan money in return for the repayment of the principal plus interest over a set period of time. Banking is highly regulated by both state and federal laws that apply to banking transactions. There are generally four types of bank accounts: Savings accounts Checking accounts Linking accounts Joint accounts With a savings account, you save your money, possibly get a low interest rate on it and can't write checks on it. some banks charge a fee for opening a savings account. You can get an ATM card which will permit you to take money out at ATM machines. Some savings accounts offer a high-interest rate if you keep a minimum balance like $1000 or more. A Certificate of deposit (CD) is not an account. You agree to put a specific amount of money away for a certain amount of time (three months or longer) for the highest interest rate around.
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April 14, 2014
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302.23 KB

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