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How to read a bank checking account statement

Statement Summary: This section summarizes the totals of your deposits and withdrawals/debits/checks since the last statement. It starts with the balance at the beginning of the statement period, adds the total deposits, subtracts the total withdrawals, and gives a summary balance as of the statement date.

Transaction Detail: There will be a line item for every check, debit, withdrawal and deposit made throughout the statement period. The transactions are listed in chronological order as to when the money was actually transferred, which may explain why check numbers aren't in numerical order.

Check Transactions: Your bank may use listings of check transactions in numerical order to make it easier and faster to confirm payments.

Daily Balance Summary: This area shows what happened within your account, total deposits and withdrawals, during the statement period.

Savings Account and Savings Calculator

Online checking account

How to balance a checkbook

Settlement Chargeoff - There are times when a settlement might be what is needed if the person has money to attempt to settle a debt and negotiate for a lower payoff. If debts are more than five or more months past due, if the debt settlement will be less than what you owe, and if bad credit may not be factor you are worried about, it may be an option to get out of debt quickly. A debt settlement could be negotiated for as low as 50% of what you actually owe. When in thousands of dollars of debt, this may be the quickest way to get debt relief.

To try to negotiate a debt settlement yourself, let creditors know that you could be facing bankruptcy and don't make any agreements that are oral. Make sure to get the agreement and terms in writing and mailed to you. Get the creditors to agree to report the account to the credit bureau as “satisfied in full” when you make a payment and use a money order sent by certified mail. If you can't get a good debt settlement by negotiating yourself, consider getting a debt settlement professional.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.

BankPlus.net Review - Online Checking and Personal Loans © 2008 BankPlus
Personal Checking Personal Savings Certificates of Deposit Home Mortgages Wealth Management Online Banking Mobile Banking

A bank should make your financial life easier – not more stressful. So BankPlus offers the right personal banking products to fit your lifestyle. From ValuePlus Free Checking to real estate loans to Wealth Management services, all enhanced by free online banking and bill pay, mobile banking, extended drive-thru hours at many offices, and more, BankPlus has exactly what you’re looking for.

Our basic checking account. Unlimited transactions and no monthly service charges.

With $100 or more, you can open a ValuePlus Free checking account with unlimited transactions. With a free BankPlus CheckCard, you may enjoy the convenience of using a VISA card and avoid the hassle of writing a check. e-BankPlus Online Banking and Bill Pay, and BankPlus2Go Mobile Banking are also free. Free permanent digital canceled-check storage is also provided.

With e-BankPlus you can do just about everything you need to do without ever visiting a branch.
* 24 Hour access. View a running balance or review account history online of your BankPlus checking, savings, and loan accounts via computer or cell phone.
* Online bill payment. Schedule one-time, future-dated, or recurring payments to virtually anyone in the U.S. anytime.
* e-Mail alerts. Have account updates delivered to your e-mail.
* Online bank statements. Receive your monthly statement online instead of by mail.
* Online check images. Go paperless and view your statements online each month.
* Online fund transfers. Move money within BankPlus accounts.
* Apply online. Open new accounts from Online Banking through e-BankPlus using a secure connection.

BankPlus is proud to offer BankPlus2Go Mobile Banking to our Online Banking customers. BankPlus2Go gives you the freedom to easily and securely access balance information, pay your bills, transfer funds, view check images and much more from your cell/smart phone.

It's easy, fast and convenient, just go to www.BankPlus.net on your phone's web browser and you can get started with BankPlus2Go. Best of all, BankPlus2Go is free to all e-BankPlus Online Banking customers.

FEATURES OF BankPlus2Go
As an e-BankPlus Online Banking customer, you can use BankPlus2Go to:

* Access your personal deposit and loan accounts
o Account Summaries
o Account Transaction History
o Check Images

* Pay your bills anywhere, anytime with Bill Pay
o View due bills (eBills)
o Pay Bills
o View Pending Bill Payments
o Cancel Pending Bill Payments
o View Bill Payment Histories

* Transfer funds immediately to any other BankPlus personal account

* Locate banking offices, phone numbers, and hours of service

BankPlus MAKES A WIDE ASSORTMENT OF PERSONAL LOANS.
* Aircraft
* All-Terrain Vehicles (ATVs)
* Recreational Vehicles (RVs)
* Automobiles or small trucks - new or used
* Boats and other recreational vehicles
* Lawn Tractors
* Home improvement
* Manufactured homes
* Equity lines of credit on your residence (EquityPlus)
* Loans secured with BankPlus Certificates of Deposit or Savings Accounts

Bank Checking Account Personal Loan Funding

If you can't get approved for a personal loan without a checking account, learn the benefits and apply online for both.

Checking Account Personal Loan

In addition to helping improve credit scores, a checking account is often a requirement for personal loan approval.

Bank Checking Account Interest Plus Credit Approval

Take advantage of earning free money with a bank checking account that rewards interest. A checking account can also help you get approved for credit such as a personal loan.

Bank Savings and Checking Accounts

The benefits of having an emergency loan fund with a bank savings account, and how you can get a second chance bank checking account even with bad credit.

FDIC Insured Bank Deposit Advice

Advice on how to purchase FDIC insured deposit products (checking, savings and certificate of deposit (CD) accounts).

Checking Account for Bad Credit People and Credit Repair

What bad credit people should do to get a checking account, and how they can avoid credit repair scams.

Free Bank Checking Account Advice

Review basic facts and our free bank checking account tips to find the best online banking for you.

Safe Bank Checking Savings Accounts

Wondering if the money in your bank checking account or savings account is safe? Information on how much money is insured against loss, plus a listing of failed banks. Open a bank checking or savings account. Download our free our checkbook register software to track expenses, and our savings calculator to encourage you to save money.

Free Checking Account

Free checking account tips to choose the best bank offer. Download our free checkbook register software.

Check 21 and Substitute Checks

What are substitute checks and how does Check 21 affect you? By law, your bank may not pay a check from your account unless you authorize the payment. Get more free credit advice about bank checking account rights. Also download our checkbook expense calculator software.

Online Banking Accounts

Many people have discovered the benefits of online bank checking accounts. Mainly the 24 hour banking availability, the instant transfers, and the ease of bill paying and tracking expenses.

Bank Ratings

The Federal Deposit Insurance Corporation (FDIC) issued its newest list of state nonmember banks. Apply for a bank checking account and use our free checkbook register software.

Major Banks and Credit Card Issuers

News article about major banks and credit card issuers. Submit an online application for a free checking account.

Checking and ATM Fees

Banks flaunt free checking accounts with no monthly service fees, yet increase other charges. Download our free checkbook register software.

Credit Unions versus Banks and Taxes

Proposed credit union tax and disputes with traditional banks. Where can you get the best checking account deal? Download our free checkbook register software.

SoundCU.com Review - Copyright © 2011 Sound Credit Union. All rights reserved

24 Hour Bank - Access your account any time of day by phone or computer, the choice is yours.

You have three easy ways to access your accounts 24 hours a day, 7 days a week. It's your own Sound branch at your fingertips.

Online banking - Your account status day or night
* Get account information
* Conduct balance inquiries
* Conduct history inquiries
* Check recent activity
* Ask for withdrawals
* Transfer to other share and loan accounts
* Access checking information
* Access loan information

Free Online BillPayer - so long to checks, envelopes, and stamps

You can set up bills to be paid on repeating basis, sometime in the future, or even pay single bills. All with a few taps of the keyboard.

To sign up for online banking or BillPayer:
* Call our Contact Center at (253) 383-2016 or (800) 562-8130; Monday - Thursday, 9:00 a.m. - 5:30 p.m., Friday 9:00 a.m. - 6:00 p.m., Saturday 9:00 a.m. - 1:00 p.m.
* Visit your nearest branch.

Telephone Banking - Enjoy 24-hour telephone access to your accounts. All you need is a four-digit code and you can order checks, transfer money between accounts, see if a check has cleared, or verify account history. Our friendly menu walks you through each step of the way. A touch-tone phone is required.

(800) 562-8130

Best Bank Debit Cards

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Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

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Free Credit Offers: Get no obligation credit offers and receive tips and alerts to help manage your personal finances.

Home Loan: Stop paying rent and live the American dream.

Mortgage Refinancing: Fast 2nd mortgage loan quote for remodeling, equity cash out or a debt consolidation loan.

Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

Personal Loan: Short or long term personal loan.

Personal Finance: How to file bankruptcy and get free bankruptcy forms. Create a household personal budget and balance a checkbook. Get our free personal budget software.

Financial Help: Get the latest financial news. Search Credit Federal for credit card, debt help, auto loan, home loan, mortgage refinancing, payday and personal loan applications and information.

Interest rates: view national averages of credit card, mortgage, refinancing and auto loan interest rates.

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ATM card - Apply online for an ATM card.

Auto financing - Benefits of an online auto loan and general loan terms.

Auto loan calculator - Calculate monthly car payments and total interest paid.

Auto loan down payment - Options to get down payment money for an auto loan.

Auto refinance - Benefits of using a refinance loan to lower payments and/or interest.

Bad credit car calculator - How to negotiate with a car salesman for a better deal.

Bad credit auto loan - Understand invoice, sticker price and other dealership jargon before applying for an auto loan.

Bad credit card - Bad credit card application.

Bad credit home loan - Apply for a home loan and stop paying rent.

Bad credit personal loan - Online application for a no credit check loan with instant approval.

Bad credit - Learn the problems with bad credit and how to improve.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

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Bank checking account - How to read a bank checking account statement.

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Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company.

Chase credit card - Reviews and online applications for Chase cards.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

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Credit card interest calculator - Calculate total interest paid at payoff.

Credit card payment calculator - Calculate monthly payment amount required to payoff card within a time frame.

Credit card ratings - Review consumer ratings of credit cards.

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Credit card statement - How to read a credit card billing statement.

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Credit Federal - about us - Information about the CreditFederal.com website.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Credit report errors - How to correct credit report errors yourself.

Debit card - Virtual debit card offers online privacy so you can shop anonymously.

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Debt negotiation sample letter - Do It Yourself debt settlement.

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Discover credit card - Review and apply online for a Discover card.

Disney credit card - Special entertainment and travel cards.

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Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

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Home loan lenders - Get multiple home loan quotes with just one application.

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Household personal budget - Create a budget to save money and cut expenses.

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Interest Rates - Get current interest rates for loans and credit cards.

Joint auto loan - How spouse credit affects joint auto loans, and the impact of divorce.

Joint credit card - How spouse credit affects joint credit cards, and the impact of divorce.

Joint credit card debt - Which spouse pays the bills (loans and credit cards) after divorce.

Joint mortgage loan - How spouse credit affects joint mortgages, and the impact of divorce.

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Long term unsecured loan - About long term unsecured loans.

MasterCard Credit Card - Review and apply online for a MasterCard card.

Mortgage calculator - Calculate monthly payments and interest.

Mortgage refinance loan - For a home equity line of credit, you may want to think about a traditional second mortgage loan.

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Mortgage refinancing calculator - Calculate your new mortgage payments.

Negotiate debt settlement - Settle debt yourself with your loan and/or credit card company.

No collateral business loan - Quick cash for small businesses.

No credit - Options for people with no credit history.

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Nonprofit debt consolidation - Advantages of debt consolidation.

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Payday advance loans - Benefits of a payday advance loan and common uses.

Payday loan interest - Payday loans charge a fee instead of an interest rate.

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Pay off debt - Loan options and tips to pay off debt.

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Personal budget software - How to use our personal budget software.

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Personal loan application - Submit an online application for a personal loan.

Plan retirement - Prepare for retirement with our tips.

Platinum American Express Card - Review any current Platinum cards offered by American Express.

Platinum Chase Credit Card - Review any current Platinum cards offered by Chase.

Platinum credit card - Review any current Platinum cards offered by major credit card companies.

Platinum Discover Card - Review any current Platinum cards offered by Discover.

Platinum MasterCard Card - Review any current Platinum cards offered by MasterCard.

Platinum Visa Card - Review any current Platinum cards offered by Visa.

Popular credit cards - Browse the best credit card offers, according to other CreditFederal.com visitors.

Pre-approved credit card - Learn what is; and get accepted for, a pre-approved credit card offer.

Pre-approved loan - Typical pre-approved loan choices.

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Repay payday loan - Strategy to repay a payday loan.

Report credit fraud - How to report credit-related fraud.

Reverse mortgage - Information about the benefits of a reverse mortgage.

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Rewards credit card - Browse credit card rewards for people with good credit.

Savings calculator - Calculate savings (interest) with this simple tool.

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Secured and unsecured loan - Conventional loans explained and online applications.

Short term loan - Get a loan to meet an emergency situation.

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Unsecured credit card - Browse the many choices and apply online.

Unsecured debt - What qualifies as unsecured debt.

Unsecured debt consolidation - Combine bills into one low monthly payment.

Unsecured debt consolidation loan - Get a loan to payoff high interest debt.

Unsecured personal loan - Your high risk loan solution for bad credit people.

Unsecured platinum credit card - Two main types of unsecured platinum cards.

Used auto loan - Apply for a used auto loan quote.

Visa credit card - Get a Visa credit card, either secured or unsecured.

Wal Mart card - Get your retail shopping card or a gift card for a friend.

Daily Credit Tip: Why You Need Scores from all 3 Credit Bureaus * Each bureau may have different information, depending on which companies have reported your accounts to them. Reporting is not mandatory and some companies report more regularly to the bureau in their region. * Mortgage lenders often look at all three of the bureaus' FICO scores and take the middle score to assess your eligibility. It is best if you know what the middle score is and make it the best it can be.

Daily Credit Tip: Many consumers struggle with bad credit issues caused by financial mismanagement such as late payments, maxing credit cards and perhaps bankruptcy. When there are existing debt problems, borrowing more money to pay bills may become a habit that escalates beyond quick recovery due to mounting interest charges. Prepare an annual financial plan and break it down into months and weeks, so you can more easily monitor your success.

How to read a bank checking account statement. No bank account? Get one!

How to read a bank checking account statement