General FAQ’s

Common types of accounts include savings accounts, checking accounts, and certificates of deposit (CDs). Each serves different purposes and offers varying interest rates and access to funds.

To open a bank account, visit a branch or apply online. You'll need to provide personal identification, proof of address, and sometimes proof of income. The specific requirements may vary by bank.

A savings account is designed for accumulating funds over time and typically offers interest, while a checking account is for everyday transactions and may come with a debit card for easy access to funds.

Interest is the amount paid by a bank for the use of your money (savings). It is calculated based on the account balance and the interest rate. The interest earned is added to your account periodically.

Yes, We offer online banking services, allowing you to check account balances, transfer funds, pay bills, and perform other transactions through a secure website or mobile app.

A credit score is a numerical representation of your creditworthiness. It is used by lenders to evaluate your ability to repay loans. A higher credit score generally improves your chances of obtaining favorable loan terms.

To improve your credit score, pay bills on time, reduce outstanding debt, and maintain a healthy mix of credit types. Regularly check your credit report for errors and address any issues promptly.

Overdraft protection is a service that prevents your account from going into a negative balance when you make a transaction that exceeds the available funds. It may involve linking your checking account to another account or a line of credit.

Contact us immediately to report a lost or stolen card. Most banks have 24/7 hotlines for reporting such incidents. They will deactivate the card to prevent unauthorized use and issue a replacement.

The Federal Deposit Insurance Corporation (FDIC) is a U.S. government agency that insures deposits at banks up to a certain limit (typically $250,000 per depositor per bank). This insurance provides protection in case the bank fails.

To avoid fees, maintain the required minimum balance, use ATMs within your bank's network, and be aware of any account-specific conditions. Some banks also offer fee waivers if you meet certain criteria, like setting up direct deposits.