Question 1

Are there cheaper alternatives to bank wire transfers?

Accepted Answer

Yes, services like Wise (TransferWise), Revolut, PayPal, and Western Union often offer better rates and lower fees than traditional banks. They use mid-market rates and transparent fee structures for international transfers.

Question 2

Can automatic payments overdraw my account?

Accepted Answer

Yes, automatic payments will process even with insufficient funds, causing overdraft fees. Monitor your balance, set up low-balance alerts, maintain a buffer, or link overdraft protection to avoid fees.

Question 3

What is a routing number on a debit card?

Accepted Answer

A routing number is NOT printed on your debit card—it's a 9-digit code that identifies your bank and is found on checks or in your online banking. Your debit card shows the card number, expiration date, and CVV. To find your routing number, check your paper checks, bank statement, or log into your online banking account.

Question 4

Should I pay statement balance or current balance?

Accepted Answer

To avoid interest charges, pay at least the statement balance by the due date. Paying the current balance (which includes newer charges) can help keep your credit utilization lower and may give you a head start on the next billing cycle, but it's not required to maintain the grace period.

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Frequently Asked Questions

Are there cheaper alternatives to bank wire transfers?

Can automatic payments overdraw my account?

What is a routing number on a debit card?

Should I pay statement balance or current balance?

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