Question 1

Do checking accounts earn interest?

Accepted Answer

Some checking accounts earn interest, called interest-bearing checking accounts. However, rates are typically lower than savings accounts. Many standard checking accounts don't pay interest at all.

Question 2

Can I withdraw from a CD early?

Accepted Answer

Yes, but early withdrawal penalties typically equal 3-12 months of interest, depending on the term. Some no-penalty CDs allow early withdrawal but offer lower rates. Check your CD terms before investing.

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

What is minimum balance requirement?

Accepted Answer

Minimum balance is the lowest amount you must maintain in your account to avoid fees or earn interest. Requirements vary by account type and bank, ranging from $0 to $10,000 or more for premium accounts.

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Frequently Asked Questions

Do checking accounts earn interest?

Can I withdraw from a CD early?

What is the difference between secured and unsecured loans?

What is minimum balance requirement?

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