Sentences with phrase «needed access to her bank account»

Then the caller said he needed access to her bank account to process the refund.

Not exact matches

With 28 % of adults in the U.S. having limited or no access to bank and credit card accounts, Shahbazi saw a «wide space» worth US$ 1 trillion in GDP a year that needed to be filled.

BitShares aims to fill this void by offering users access to a stack of financial services without the need for a bank account or similar services.

Such an infrastructure is desperately needed because more than 70 % of Filipinos lack access to a bank account and just 3 % of them use credit and debit cards (as per the NOAHCOIN whitepaper estimates).

This is to say that a single login into your EmpireOption binary options trading account will give you access to all the trading features you will need, including banking services as well as trading tools, assets and features.

De Blasio says the ID cards will make it possible for immigrants to access essential needs, like creating a bank account or qualifying for an apartment lease.

If you use up the cash in your wallet, you will need to get the money in the harder - to - access bank account.

You need to decide if you want to pay a regular monthly subscription via your bank account, as most adult dating sites offer these days, or to find one of the new quirky internet websites which offer excellent access to profiles and simpler membership fees and arrangements.

You will need to offer documentation regarding your identification, your job history and present salary, proof of residency, and access to an active bank account (usually a checking account with direct deposit), and of course, your social security number.

Whether you are looking for easy, 24/7 access to your funds or to set aside money for something (or somewhere) special, Haverhill Bank has a variety of checking and savings accounts to fit your needs.

Ensure that all non-registered accounts are held jointly, otherwise you'll need a will and death certificate to access bank accounts.

Once you find your bank, you will need to supply your bank's routing number and your checking account number so that the app has access to transfer money when you tell it to.

The deposits held in an ordinary online savings account are protected against bank failure by the FDIC, and you can get quick access to your money whenever you need it.

If you need to access your money regularly and don't want to maintain a minimum balance with one bank, consider an online checking account or online savings account that doesn't have this requirement.

If you are already a Bank of America customer, moving funds to and accessing your Merril Edge account becomes really convenient - there's no need to transfer or wire funds externally.

Start getting the most out of money you don't need to access frequently with a Columbia Bank Business Money Market Account.

While US Bank says that for existing customers, bank account number, automatic payment or direct deposit, and online bank access will not be affected after the migration, one key difference between old, truly free checking account and the new Easy Checking Account is that after May 15th, you will need to maintain a minimum account balance of $ 1,500 to avoid a monthly fee of $ 6.95 (with online statement) or $ 8.95 (with paper statemeBank says that for existing customers, bank account number, automatic payment or direct deposit, and online bank access will not be affected after the migration, one key difference between old, truly free checking account and the new Easy Checking Account is that after May 15th, you will need to maintain a minimum account balance of $ 1,500 to avoid a monthly fee of $ 6.95 (with online statement) or $ 8.95 (with paper statemebank account number, automatic payment or direct deposit, and online bank access will not be affected after the migration, one key difference between old, truly free checking account and the new Easy Checking Account is that after May 15th, you will need to maintain a minimum account balance of $ 1,500 to avoid a monthly fee of $ 6.95 (with online statement) or $ 8.95 (with paper stataccount number, automatic payment or direct deposit, and online bank access will not be affected after the migration, one key difference between old, truly free checking account and the new Easy Checking Account is that after May 15th, you will need to maintain a minimum account balance of $ 1,500 to avoid a monthly fee of $ 6.95 (with online statement) or $ 8.95 (with paper statemebank access will not be affected after the migration, one key difference between old, truly free checking account and the new Easy Checking Account is that after May 15th, you will need to maintain a minimum account balance of $ 1,500 to avoid a monthly fee of $ 6.95 (with online statement) or $ 8.95 (with paper stataccount and the new Easy Checking Account is that after May 15th, you will need to maintain a minimum account balance of $ 1,500 to avoid a monthly fee of $ 6.95 (with online statement) or $ 8.95 (with paper statAccount is that after May 15th, you will need to maintain a minimum account balance of $ 1,500 to avoid a monthly fee of $ 6.95 (with online statement) or $ 8.95 (with paper stataccount balance of $ 1,500 to avoid a monthly fee of $ 6.95 (with online statement) or $ 8.95 (with paper statement).

If you don't envision a lot of instances where you'd need to regularly access a physical bank branch away from home, a smaller community bank, like Dime Community Bank, or a credit union could be a great choice, since they generally come with higher interest rates on accounts and lower rates on loans and lines of crebank branch away from home, a smaller community bank, like Dime Community Bank, or a credit union could be a great choice, since they generally come with higher interest rates on accounts and lower rates on loans and lines of crebank, like Dime Community Bank, or a credit union could be a great choice, since they generally come with higher interest rates on accounts and lower rates on loans and lines of creBank, or a credit union could be a great choice, since they generally come with higher interest rates on accounts and lower rates on loans and lines of credit.

If you think you'll need access to the money before maturity, you would likely be better off to put it into a bank account.

These two number sets are all a nefarious individual needs to potentially access your bank account.

Additionally, it offers the benefit of helping your investment grow (better than a savings account, fixed deposits, and infrastructure bonds) with the same ease of access that more modern financial instruments... Continue reading PPF Account: List of 21 Banks Supporting It, PPF Interest Rate, and the Only 7 Things You Need to Know Abaccount, fixed deposits, and infrastructure bonds) with the same ease of access that more modern financial instruments... Continue reading PPF Account: List of 21 Banks Supporting It, PPF Interest Rate, and the Only 7 Things You Need to Know AbAccount: List of 21 Banks Supporting It, PPF Interest Rate, and the Only 7 Things You Need to Know About PPF

People still need accounts and access to credit and loans, and the banks and related institutions are still the primary sources to meeting these needs.

To access money in a CIT Bank Money Market Account, you need to use People PaTo access money in a CIT Bank Money Market Account, you need to use People Pato use People Pay.

If someone told me that a time was coming that I would no longer need to be at the banking hall before I could have access to my bank account, I would have Continue ReadingOnline Loans: How to apply for payday loans online →

Designed to streamline your banking activities, the Analyzed Checking account from Santander Bank can make your financial life easier with features like online access to Santander's online treasury banking portal for your reporting and account needs.

A lot of people understand the two major types of bank accounts: savings accounts, which allow easy access and earn modest interest, and checking accounts, which are used for day - to - day cash needs and pay little or no interest.

The 120 - day notice account from Paragon Bank allows you to boost rates to beat easy - access deals, but you must give 120 days» notice before each cash withdrawal — so only get this account if you'd never need the money in an emergency.

If you do need quick access to cash, then the easy option is to use an instant access savings account that's linked to your main bank account.

As well, the banks may also offer some lower fee funds (often labeled as D Class funds) but you need a discount brokerage account to access them.

Access to debit functions, such as direct deposit, and online bill pay, without the need for a bank account

Once approved, all you need to do is make a phone call or access the money through Online Banking, or through a branch and transfer the funds into your checking or savings account.

That means you either need to have cash in your wallet or use a debit card to access money in a bank account.

They offer the borrower a specified amount of money, which is easy to access when needed and repaid when it's convenient for the client with fixed weekly payments that are automatically deducted from your business bank account.

If you are concerned that you will need near - instant access to your emergency money, then you probably want to keep it in a Savings or Money Market Account at the same bank as your checking aAccount at the same bank as your checking accountaccount.

If someone told me that a time was coming that I would no longer need to be at the banking hall before I could have access to my bank account, I would have doubted.

Not only do payday loans need to be paid back very quickly, often in just a couple of weeks, but the loan company is authorized to access your bank accounts and take the money themselves.

Mortgage applications almost always trigger requests for m ore information or documentation, For instance, if someone not on the loan application happens to be a co-owner of your bank account, you'll need a letter from him or her stating that you have access to the entire account.

Citibank aims to give its customers real - time access to their accounts when they need it in the form of Citibank online banking, mobile banking and CitiPhone banking — as well as ATMs across the U.S. and in more than 20 other countries.

The accounts that you open could be a retirement account to help pay for your senior years, a savings account that earns interest that is used for special needs like college tuition or holiday gifts, or an offshore bank account that can be accessed by your children or other family members living abroad.

You'll get access to special discounts and sales notices, you don't need a bank account to use the prepaid card, and you can even have your paycheck direct deposited.

The TD mobile banking app allows you access to everything you'll need when it comes to your account — all while on the go.

Modern - day travelers need access to their banking and account information on the go.

«So we need a banking partner that allows us to hold the local currency... and also gives us access to the infrastructure that's needed to move the funds in and out of any existing UK customers» bank account with Circle.»

Anyone can access it and start to lend and borrow from any part of the world without the need of a bank account.

Just as the smartphone gave people without telephone lines access to communication, information, and electronic commerce, these technologies can provide a person the legitimacy needed to open a bank account or borrow money — without having to prove ownership of real estate or meeting other qualifications that are challenging in many countries.

Using Bitcoin does not require the user to have a bank account, so those without access to a bank can use it as they just need a mobile phone and a wallet app.

How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: [phone] Cell Phone: [phone] Fax: [phone] E-mail: [email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations from current vendors and established Excel spreadsheet format which simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions, including cost reductions, materials consolidation, and selection of vendorso Acted as liaison between vendors and the Purchasing, Transportation and Accounting Departments on issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon reqBank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon reqbank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon reqBank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request

Does the person remaining behind have access to bank accounts, know which bills need paying, and everything else required to keep life ticking over while you're gone?

Since credit unions are often smaller in asset size than banks and have fewer locations, many consumers may be concerned that they will not have complete access to their credit union accounts or convenient banking options such as fee - free ATMs for cash withdrawals when needed.