Question 1

What does statement balance mean on a credit card?

Accepted Answer

Statement balance means the exact amount you owed when your billing cycle ended. Paying this amount in full by the due date helps you avoid interest charges on purchases (during the grace period). It differs from your current balance, which includes new transactions made after the statement was generated.

Question 2

What is mobile banking?

Accepted Answer

Mobile banking is accessing bank services through smartphone apps. Features include mobile check deposit, balance checking, transfers, bill pay, card management, ATM locator, and often biometric login.

Question 3

What is the difference between secured and unsecured loans?

Accepted Answer

Secured loans require collateral (house, car) and offer lower rates because the lender can seize assets if you default. Unsecured loans have no collateral, higher interest rates, and approval based primarily on creditworthiness.

Question 4

Are all banks FDIC insured?

Accepted Answer

Most U.S. banks are FDIC insured, but credit unions have similar NCUA insurance. Always verify a bank's FDIC membership at fdic.gov. Investment products like stocks and mutual funds are not FDIC insured.

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Frequently Asked Questions

What does statement balance mean on a credit card?

What is mobile banking?

What is the difference between secured and unsecured loans?

Are all banks FDIC insured?

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