Question 1

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.

Question 2

What is FATCA in banking?

Accepted Answer

FATCA (Foreign Account Tax Compliance Act) requires foreign banks to report accounts held by U.S. taxpayers to the IRS. U.S. citizens must report foreign accounts over $10,000 using FBAR (FinCEN Form 114).

Question 3

Do banks charge for ATM withdrawals?

Accepted Answer

In-network ATM withdrawals are usually free. Out-of-network ATMs may charge $2-$5 per transaction, plus your bank may add its own fee. International ATM withdrawals often include foreign transaction fees.

Question 4

What are closing costs on a mortgage?

Accepted Answer

Closing costs are fees paid at the end of a real estate transaction, typically 2-5% of the loan amount. They include appraisal fees, title insurance, attorney fees, origination fees, credit report charges, inspection costs, recording fees, and prepaid items like property taxes and homeowners insurance. Some costs are negotiable or can be rolled into the loan.

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Frequently Asked Questions

Should I pay statement balance or current balance?

What is FATCA in banking?

Do banks charge for ATM withdrawals?

What are closing costs on a mortgage?

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