Opening a second bank account?

I am at university so have a student account. However, my loans and my wages from my part time job go into this account - I'd like to open another account into which I can put my own money i.e. not my loan, so that I can pay for food, living expenses etc from my loan on one card, and pay for clothes, other shopping etc from my wages on another card. What's the best kind of account to open for this and can anybody recomment a bank?? Thank you very much!

Opening a second bank account?

I like the Halifax. They have a good on line service and if you do need to call them they don't keep you on hold for ages. They also have good staff - that actually know what they are talking about!

Opening a second bank account?

Barclays, but they are all the same

Opening a second bank account?

you can open a current account at any bank for this kind of thing - you want one that will offer you a debit card and perhaps an overdraft facility. choose a bank which has lots of branches around your area so you don't get stuck.

Opening a second bank account?

Are you in the US?

Most banks offer an entry level checking account that has no minimum balance and no or very low maintenance fees. In fact, these types of accounts are aimed at college students and are often called %26quot;Student checking%26quot;.

Wachovia and Bank of America are the two that I've had experience with...not a problem with either one.

Opening a second bank account?

i fink u should have the first one and keep it but dont make another one coz it will be a big headache.

onece my father made a second acount then he had to check both of the acounts coz he didnt kno which money is gone to wit acount.

so i would say to just keep ur fist one.

or u can leave membership with the first one and have the second one. if u really want tohave a second one.

Opening a second bank account?

You want to make sure that whoever you go with doesn't charge you a monthly fee for having the account.

If they offer a premium/gold/special stay clear. Say you want a bog standard account with no charges.

Natwest charge me 鎷?2 a month for my advantage account, Lloyds have an account which costs 鎷?0 a month...

My joint account is free of charges and that is with Abbey National.

Opening a second bank account?

If you are in the US, try finding a credit union. These are banks serving communities and usually have a no-fee checking account. I have been a member of a credit union since college. I have had multiple accounts with them and have been pleased with the service.

Opening a second bank account?

Ask a friend for recommendation cuz other parts of the country wont have the same bank....look for an acct that is simple if you write ten checks or less a month and then it will be cheaper..tellers can help you out

Chances of getting a loan?

What are the chances of me getting a loan (please answer if you have knowledge or dealt with getting a loan yourself)

I am 21 years old have around 20k saved up in my bank account and have had a regular income of over 500 euro a week for the last 6 mouths.

I need around 40k for a car, What my chances?

(please no scammers posting saying they can get me money blah blah blah)

Chances of getting a loan?

I really doubt it...beacuse if you make 5000 a week meaning u make 2000 a month...u wont pay all your income 2000 per month for the loan beacuse u need to spend on food and rent and all that sort of stuff.... And you are young as well i really doubt it sorry!

But you can always try!

Good luck hope you get the loan!

Chances of getting a loan?

You should go and pre-qualify for your auto loan at your selected bank(s). That way you will know your costs and options before you shop to purchase.

Depending on how much downpayment you are willing to place?

Chances of getting a loan?

Go to bank, and try to get loan from the bank. Just follow their procedure.

Chances of getting a loan?

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Chances of getting a loan?

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Question about the Education One Loan?

Im going to attend texas a%26amp;m international university next fall, but i only got the pell grant for $2360 and te acg grant for $750. the school is also offering a subsidized loan of $3,500, totaling in $6,610. The estimated total cost of attendance is about $16,058. I dont want for money to be the reason i dont go to college. I got this one letter from the chase bank, and they are offering me up to $40K for my education. I talked to my parents about it, and my father agreed to be my co-signer. But i still have a question before going forth with all of this. Is the amount i get from the grants i got and the subsidized loan per year or semester? if i get, oh, lets say $12k from the education one loan, will i receive that money per semester? per year? or will they just give me the money and thats that? what would you do if you were me, would you deny the subsidized loan from the school completly?

also, can i buy a car with that money? cuz i kinda need one.

Question about the Education One Loan?

let me get this straight...you are considering denying a subsidized loan (need based loan that the government will pay the interest on while in school) for a private loan that will accrue interest once the moeny is disburse to you. Hmmmm. I guess go for the private loan. The loan will be divide between the fall and spring semester. Just because your cost of attendance is 16,000 per yr does not mean you will acutally pay 16000 for the year. That is just a generalization. Meaning, significant amount of students will pay significantly less. You will be to determine how much it will cost you within the 16,000. So, calculate how many credits you plan on taking and multiply it by 2 and figure out how much housing cost per year. Then add in books, make sure they are used. This is your cost for the year. I recommend you get a part-time job to assist with the cost.

Question about the Education One Loan?

I really don't think you should deny the subsidized loan and definitely dont' deny the grants. The grants are FREE money! The award is probably for the year, which means they will apply half of each amount toward each semester's bill.

It's not likely they will actually hand you the money - they will however apply it to your student account.

The Chase loan must be a private loan and those usually have the least favorable terms. What is the interest rate? Do you get a grace period? When do you have to start paying interest?

With the subsidized Stafford loan, the interest rate is 6.8%. You have a 6 month grace period (in other words once you graduate you have 6 months before you have to start paying the loan back).

If you still need more money, maybe you can receive an 'unsubsidized' Stafford loan. It's exactly like the subsidized except for the unsub you are responsible for the interest even while you are in school. For the sub loan, the gov't pays the interest for you.

What does a loan Officer usually have to focus on regarding Borrowers documentation?

What are the principles in refinancing, Cashing out and taking money aways from the homes equity?, How much does a loan officer make a year if they work for theirselves and with a bank?

What does a loan Officer usually have to focus on regarding Borrowers documentation?

I'm a Mortgage Banker.

Documentation is determined by the Program of the loan. Loan Type, Ratios, and who is underwriting.

I request 2 years taxes, most recent month worth pay stubs, 3 months bank statements, home owners insurance policy, preferred Title company, and a check for the appraisal.

Most LO's are paid on Commission.

Opening a second bank account?

I am at university so have a student account. However, my loans and my wages from my part time job go into this account - I'd like to open another account into which I can put my own money i.e. not my loan, so that I can pay for food, living expenses etc from my loan on one card, and pay for clothes, other shopping etc from my wages on another card. What's the best kind of account to open for this and can anybody recomment a bank?? Thank you very much!

Opening a second bank account?

I like the Halifax. They have a good on line service and if you do need to call them they don't keep you on hold for ages. They also have good staff - that actually know what they are talking about!

Opening a second bank account?

Barclays, but they are all the same

Opening a second bank account?

you can open a current account at any bank for this kind of thing - you want one that will offer you a debit card and perhaps an overdraft facility. choose a bank which has lots of branches around your area so you don't get stuck.

Opening a second bank account?

Are you in the US?

Most banks offer an entry level checking account that has no minimum balance and no or very low maintenance fees. In fact, these types of accounts are aimed at college students and are often called %26quot;Student checking%26quot;.

Wachovia and Bank of America are the two that I've had experience with...not a problem with either one.

Opening a second bank account?

i fink u should have the first one and keep it but dont make another one coz it will be a big headache.

onece my father made a second acount then he had to check both of the acounts coz he didnt kno which money is gone to wit acount.

so i would say to just keep ur fist one.

or u can leave membership with the first one and have the second one. if u really want tohave a second one.

Opening a second bank account?

You want to make sure that whoever you go with doesn't charge you a monthly fee for having the account.

If they offer a premium/gold/special stay clear. Say you want a bog standard account with no charges.

Natwest charge me 鎷?2 a month for my advantage account, Lloyds have an account which costs 鎷?0 a month...

My joint account is free of charges and that is with Abbey National.

Opening a second bank account?

If you are in the US, try finding a credit union. These are banks serving communities and usually have a no-fee checking account. I have been a member of a credit union since college. I have had multiple accounts with them and have been pleased with the service.

Opening a second bank account?

Ask a friend for recommendation cuz other parts of the country wont have the same bank....look for an acct that is simple if you write ten checks or less a month and then it will be cheaper..tellers can help you out

Do you think I can get a car loan for $16,000 with this credit?

I have a $1,000 credit card with Bank of America, a $600 dollar target store card, and I recently co-signed with my cousin for a car loan of $7,000 and that was 2 months ago, but next month she is paying that loan off with her credit card... so in 2 months it will show paid off in my credit report. i've been at the same job for 7 years and 4y at the same residence. 2 months ago before I applied for the co-signed loan my credit scores were: Experian 717, equifax 719 and transunion 732. My credit was established barely 2 years ago. do you think i have a chance of getting a car loan? i can put $4,000 down. I don't care if they give me a high interest as long as its not more than 15%. what do you think? have any of you have had limited credit and got a loan?????????

Do you think I can get a car loan for $16,000 with this credit?

Sounds like you have a decent credit history and most likely you will get a loan. One of the major things the lender will be looking at is debt to income ratio. If it is above 30%, they will most likely not give it to you but if you are below you should be ok.

Rival

Do you think I can get a car loan for $16,000 with this credit?

700+ is good credit.

not a problem for the car.

Do you think I can get a car loan for $16,000 with this credit?

with those numbers you should have no prolem just make sure the loan is paid and off your credit reports belive me i live on credit cards those numbers are awsom a intest rate arond 5to 7 percent

What happens when money is mistakenly wired into your bank account?

A friend of mine asked me an interesting question after a crazy experience... I guess 2 separate wires ended up in his bank account , one for hundreds of thousands and the other for 50 or so. After calling his bank to notify them several times, the first larger wire was reversed and the funds removed... He kept calling about the second, however no action was immediately taken by the bank. He called again. Make a long story short, several weeks then a month goes by. All of a sudden, he hits some hard times financially, and the money (which was comingled in his normal checking account) is now being dipped into... He doesnt make a tremendous amount of salary, and is about 14k into this %26quot;mistaken%26quot; money... He is wondering what to do at this point. i recommended just getting a loan or Credit Card to cover what he dipped into and calling the bank.

Was curious if anyone knew legally, or what not, what could happen to him at this point... Is that money ever his if the bank refused to act?

What happens when money is mistakenly wired into your bank account?

Ethically it was wrong for him to use this money - although his financial situation at the time might have made it confusing to keep tabs on the funds.

A month is way too long for a financial institution to leave that amount of money unresolved. I would remove the money and place it in a separate account, so not dip into it anymore. I would also have the bank give me the name of the bank or person that initiated the transfer and get in touch with them. They might be so happy that your friend is being honest that they may work out a payment plan for the difference or even forgive a portion of the debt.

There is also the chance that whatever caused the money to go into his account has now made the money untraceable. There are legal implications on this also, since the IRS will want to know where he got this money. Those amounts of transfers can implicate him in a money laundering scheme.

What happens when money is mistakenly wired into your bank account?

What likely happened is that the originator of the wire provided the wrong account number. Your friend should try not to spend that money as much as possible. It is entirely likely that it still may be rescinded. He should talk to someone at his bank ASAP.

What happens when money is mistakenly wired into your bank account?

The mistake will be found and the money will be taken out of his account. He may get into some trouble, because he knew the money was not his and he took it out. I would suggest he try to find a way to borrow the money from another source and put it back into the account as soon as possible. Then he should have a hold put on the account. He should also talk to someone in charge at the bank.

What happens when money is mistakenly wired into your bank account?

They will trace it and take it back.

That happend to me about 8 yrs ago with Bank1.

It was out of my account just as it came. I did not even get any explanation form the bank