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When opening a checking or share draft account, which would likely be the most important consideration?

What incentives are provided for you to open an account?

What is the current interest rate paid on funds left in the account?

What are the terms and interest rates on their certificates of deposit (CDs)?

What types of fees are charged for maintaining and using the account?

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Answer:

  • When opening a checking or share draft account, which would likely be the most important consideration?

The stability of the Union or bank in which you are opening your account.

  • What incentives are provided for you to open an account?

The interest rate. The easy access to my funds. The trackability of the transactions. The possible application for a credit in the future.

  • What is the current interest rate paid on funds left in the account?

In a High Rate account is 2,01% in a regular rate 1,90%

  • What are the terms and interest rates on their certificates of deposit (CDs)?

The terms may vary from 1 day until 2160 days.

6 months – 6 years: Goldman Sachs Bank USA – 0.60% APY – 2.35% APY; $500 minimum deposit to open.

30 days – 5 years: BrioDirect – 0.05% APY – 2.05% APY; $500 minimum deposit to open.

6 months – 5 years: Capital One – 0.60% APY – 1.60% APY; no minimum deposit to open.

  • What types of fees are charged for maintaining and using the account?

The $4 or $5 monthly maintenance fee.

The international withdrawls fee. (varies in each bank policy)

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