Question 1

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 2

How do I close a bank account?

Accepted Answer

Withdraw or transfer all funds, cancel automatic payments, wait for pending transactions to clear, visit the bank or submit a closure request online, and request written confirmation of closure for your records.

Question 3

What is two-factor authentication in banking?

Accepted Answer

Two-factor authentication (2FA) adds an extra security layer requiring two forms of verification: something you know (password) and something you have (phone code, fingerprint). It significantly reduces unauthorized access risk.

Question 4

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.

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Frequently Asked Questions

What is the difference between secured and unsecured loans?

How do I close a bank account?

What is two-factor authentication in banking?

Do banks charge for ATM withdrawals?

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