Bank accounts basics

How do automatic debit payments from my bank account work?

I would like to be able to have my friend or family member help with my bill-paying and banking. What are my options?

I have a checking/savings account at a savings association. Are the rules different for accounts at a savings association than they are for accounts at a bank?

When I pay a bill online, can the bank/credit union take the money out before the date I scheduled the payment?

My bank/credit union lets me scan checks at home or on my phone. What is this?

I was told my check was turned into an electronic funds transfer. What does this mean?

I was at a store, and the cashier scanned my check and then handed it back to me. Is this normal?

My bank offers a direct deposit advance or checking account advance. What is this?

Does it take longer before I can withdraw money if I deposit a check using an ATM instead of inside the bank/credit union?

If I deposit a check into an ATM, are the funds available right away?

Does an ATM have to give me a receipt?

Can my bank/credit union charge me a fee to use another bank or credit union's ATM?

What is a demand draft, telephone check, or preauthorized draft?

Does my bank/credit union have to allow overdrafts?

Can my bank/credit union deduct bounced check fees from my account?

I bounced a check. Will this show up on my credit report?

I opted into debit overdraft but the bank/credit union still declined to allow a debit purchase I made. Can the bank do that?

Can the bank/credit union deduct fees from my account?

How can I avoid debit card overdrafts?

Can the bank/credit union charge me a fee when it transfers money from my savings account to cover an overdraft from my checking account?

If I link my credit card to my checking account to cover overdrafts, can the bank/credit union charge me a fee each time I use it to cover an overdraft?

My bank/credit union offered to link my checking account to a savings account, a line of credit, or a credit card to cover overdrafts. How does this work?

Can I be charged more than one fee for a single overdraft?

I overdrew my account by only one penny yet was charged the full overdraft fee. What can I do about this?

How many overdrafts can I get in a single day?