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Financial Services 2


Overdraft Fee Spending a dollar more than you have in your account.
Bounced Check Writing a check when you don't have enough money in your account to cover it.
Nonsufficient Funds Net you a fee of $25 to $50 from the business listed as the payee.
Banker's Hours (Business Day) Any day, Monday-Friday, minus federal holidays (and designated holidays within your state).
Overdraft Protection The bank offers you the option for protection from having your card declined.
Deposit Slip Can't spend money until you deposit money. At the bank you may need to fill out a deposit slip that lists the amount involved.
Endorse Must endorse a deposit check by singing your name on the bank.
Blank Endorsenent The check can either be deposited or cashed with no restrictions; transfer money from the payer.
Restrictive Endoresment Writing "for deposit only" and your bank account number with your signature.
Bank Hold Banks hold deposited checks to reduce their risk of cashing a bad check. If there's a hold, the money usually won't be available until the nect business day. New account customers delay can be as long as 10 business days.
Debit Card Might look like a credit card. Acts more like a check, limiting your spending to whatever amount of $ is on your bank account.
Where does the money come from when you use a debit card? Money comes out of your bank account.
Personal Identifucation Number (PIN) Provides an extra level of assurance that the authorized owner is the person using the card.
Created by: Blissful_Olive