Question 1

What is KYC in banking?

Accepted Answer

KYC (Know Your Customer) is a regulatory requirement where banks verify customer identities to prevent money laundering, fraud, and terrorism financing. You must provide ID, address proof, and other documentation.

Question 2

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 3

Can I use my debit card as a credit card?

Accepted Answer

Yes, most debit cards can be run as 'credit' at checkout by selecting 'credit' instead of 'debit' and signing instead of entering your PIN. The money still comes from your checking account, but it processes through credit card networks (Visa/Mastercard). This doesn't build credit or change how funds are withdrawn.

Question 4

Why doesn't my bank balance match my available balance?

Accepted Answer

Available balance accounts for pending transactions, holds, and scheduled payments that haven't cleared yet. Your actual balance shows posted transactions only. Always use available balance to avoid overdrafts.

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Frequently Asked Questions

What is KYC in banking?

Do checking accounts earn interest?

Can I use my debit card as a credit card?

Why doesn't my bank balance match my available balance?

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