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The Fashionable Housewife

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Overdraft Fees Are So Last Year – Learn How To Choose Your Bank Wisely

Modified on March 8, 2021 at 9:23 PM

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Has there been a moment where you’re just too busy to calculate and check how much balance you have left in the bank? You might have only withdrawn or paid for stuff using your card without thought.

When applying for banks, they usually have an overdraft protection service, which may mean that an overdraft fee is charged. What are overdraft fees first? These fees are charged when a withdrawal from your bank account exceeds the available balance, and your bank covered the transaction for you.

In simpler terms, the bank pays for the amount that you couldn’t cover with your available balance and an added fee because of it; hence, overdraft fees. On average, an individual pays around $34, and if they’re frequently overdrafts, they can pay almost $450. 

Suppose you’re looking for a bank without overdraft fees, then below are the things you have to consider when choosing a bank:

Make Sure It’s Secure

At some point in one’s life, everyone has to pick a bank to store their money. Thus, ensure that the bank of your choice is insured by the Federal Deposit Insurance Corporation and, for credit unions, the National Credit Union Association. One way of making sure that your money is safe with the bank of your choice, make sure they have these protections.

Find Out What The Fees Are!

Making sure that the bank of your choice has no fees is essential. You wouldn’t want to open an account in a bank where they charge you for basic account transactions, right? The examples of expenses you want to avoid are monthly fees, fees for account assistance (talking with a representative), and per-check fees. 

Since you’re here to read about how to find banks with no overdraft fees, make sure to ask this before opening an account. Finding the best bank account that satisfies your every need might seem laborious, but it’s worth it. Make sure to ask for assistance because you will be using it, so make sure you know every crucial information.

Easy Access To Direct Deposit 

Direct deposits are evident nowadays, but occasionally some people need to deposit checks or cash. Ensure that even when your bank does not have a physical location near you, they still offer mobile deposit services. It is to make sure that you, as the customer, have a hassle-free experience. Think about how often you’re going to deposit cash and how you prefer that to happen. 

Look Out For ATM Fees

If you are a person that shops frequently, then it’s possible that you use your ATM often. Ensuring that the bank of your choice does not charge you for ATM usage is a must. Even if you don’t use your ATM frequently, why settle on a bank that charges you for that? Hence, be prudent when it comes to transaction fees.

Make Sure It’s Nearby

Numerous banks normally have several branches strategically established in different areas, assess your needs, and want if you’re comfortable with not having a physical location near you. Although, having a branch near you has proven to have its value. Imagine this. You’re having trouble with your account. 

Online Banking Features

Who doesn’t like online banking features? It’s the easiest way of paying for your bills without stepping outside of your home. In this pandemic, paying for your accounts through the use of online banking is the safest way without risking your health. Additionally, it’s one of the hassle-free ways to pay for online shopping. 

If you prefer to have this option, make sure to choose a bank where it is free. If you are the type of person that regularly sends money to other people, make sure that the bank of your choice is equipped to process the transaction promptly and smoothly. 

A Reliable Customer Service

Customer service is a service or support that the bank offers the customers. Before you open an account and may have problems with the bank, you are to speak with customer service. Some individuals base their decisions on how the clerks communicate with the customers and their excellent support.  

One way banks retain and make their bank grow is by having fantastic customer service. Ask your friends what bank they found friendly and entertaining.

Takeaway

The adventure of finding the best bank account for you may seem hard. You have things you need to remember when opening one, but always remember that it is the place where you will store your funds. You have to be confident that your money is safe with it, and it won’t charge you with things you deem unnecessary.

Above are eight ways to make sure that you find the right bank for you. Remember that the hassle is all worth it in the end.

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Posted By The Fashionable Housewife
on March 8, 2021 at 11:22 AM
Filed Under: Finances, Home Life
Tagged With: bank, banking, finances, financial advisor, financial planning, financial troubles, overdraft fees, personal finances

About The Fashionable Housewife

Sarah-Jean Ballard is the Editor in Chief of The Fashionable Housewife blog and Founder of Fashionable Media. Married to a sexy Molecular Biologist, housewife, mom to 5, homeschooler, Certified Personal Nutritionist and entrepreneur who's mission is to help moms just like you look and feel GREAT! Other interests include dancing, yoga, positive intactivism, natural birth and breastfeeding support, babywearing, paleo & gluten-free cooking, and promoting an overall healthy lifestyle to all.

Disclaimer

The Fashionable Housewife is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for blogs and websites to earn advertising fees by advertising and linking to Amazon.com. We also participate in various other affiliate programs, and we sometimes get a commission on purchases made through our links. There is no extra cost to you! For more info, please see our Disclosure & Privacy Policy.

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Sarah-Jean Ballard

Hi! I’m Sarah-Jean. I’m a Christian, the wife of a handsome Molecular Biologist, and the homeschooling mother of 5 beautiful kids!

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𝕊𝕒𝕣𝕒𝕙 | Fashionable Homemaker & Mom of 5
Looking at pictures of my last birth makes me grie Looking at pictures of my last birth makes me grieve my baby in Heaven that I just lost a few weeks ago. 

Knowing all the firsts we won’t be getting. All the newborn snuggles, that new baby smell, the joy of breastfeeding, it’s all gone. Slipped through my fingers in a moment, for no reason. 

No one thinks it will ever happen to them. Nothing prepares you for the loss of your child and no one can fully understand and appreciate the intense level of grief and pain until it happens to you. And if you do not understand this kind of grief, consider yourself very, very blessed and fortunate. 

Sometimes being open to life, also means being open to loss. 💔

#miscarriage #miscarriagesupport #miscarriageawareness #lossmom
READ this post before you LIKE it. 💔💔💔 A READ this post before you LIKE it. 💔💔💔

A few weeks ago, we were planning to announce that baby #6 would be joining our crew in January 2023, but instead we've been processing the death of our beloved child... 

At our 20 week anatomy scan, when we were joyfully expecting to see what our little babe looked like, we were met the words that will haunt us forever - "We can't find a heartbeat."

Two days later, we found ourselves in a foreign environment, after 5 beautiful homebirths, naturally delivering our stillborn son in a hospital. 

Dylan Marinus Ballard was born on August 31st, (our first son's birthday) at 6:43pm and weighing only 7.5 oz. 

Tearfully and filled with grief beyond words, we had to say hello and goodbye at the same time. Our beautiful son. 

Seeing his face, holding his tiny body, and admiring his little toes that looked just like daddy's was just a glimpse into the miracle of life that God allows us to partake in. When you fully realize the sanctity of human life, it makes it even harder to say goodbye. Not being able to take my baby home with me was the most gut wrenching, heartbreaking pain imaginable. It is a pain unlike all others that only mothers who have lost a child can even begin to understand. 

The hardest part of losing a child, is living everyday afterwards. It's such a devastating loss, a loss so unimaginable, that you have no idea how you will get through each day or survive the grief that is in your heart. No matter what age a child is, a parent's heart is forever tied to that child and there's nothing that will break that tie, including the passing of time. That's the beauty of unconditional love. 

Our only consolation is knowing that our little saint is in the loving arms of Jesus now. We look forward to meeting him in Heaven someday.

📷 birth photography by Melissa Lee Photography

#griefjourney #griefandloss #miscarriage #miscarriageawareness #griefawareness #griefislove #itsokaynottobeokay #largefamily #largefamilymom #bigfamily #bigfamilylife #lossmom #pregnancyloss #momlife #pregnancylossawareness #stillbirth #stillborn #stillbornstillloved #stillbornawareness #babyloss #miscarriagemomma #bereavedparents #lossmoms
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Need an easy solution for dinner but don’t want Need an easy solution for dinner but don’t want fast food? @wildgrainbox delivers bake-from-frozen breads, pastries, and fresh pasta right to your door!

Clean ingredients, real sourdough, artisanal pastries, hand cut fresh pasta, eco friendly shipping, and they support small bakeries! 👩🏼‍🍳

Every item is freezer to table in 25 minutes or less so you can enjoy homemade quality food, FAST. I whipped up a loaf of sourdough bread and delicious pasta with marinara sauce in under 30 minutes for me and my husband to enjoy a little date night at home. It was like going to a fancy Italian restaurant, but we go to eat in our pajamas!

We love that Wildgrain is passionate about delivering slow-fermented sourdough bread‘s, fresh pasta, and artisan pastries directly to your door and I love that they are local to me! 

WANT TO TRY IT?! The first 50 people to use my coupon code and link can get $30 off their first box PLUS free croissants in every box! 

Use coupon code FASHIONABLEWIFE to snag this deal QUICK! 💃🏼

LlNK in bio and in stories! 🛒

#momlife #homemaker #mywildgrain #datenightideas
Introducing Caraway’s most requested products, t Introducing Caraway’s most requested products, the NEW Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact and cute sizes!! 

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🥳Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link in my bio! 🥳

#momlife #homemaker #homelifestyle #kitcheninspo
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By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact & cute sizes. These are designed for cooking smaller portions and make the perfect complement to your current Caraway collection. 

Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link! 🛒

⁣LlNK is in my bio and stories! 💃🏼 Or use code FASHIONABLEWIFE-MINI22 
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#cottageliving #decor #decoration #farmhouselove #hgtv #homedesign #interior #interiordecor #interiorstyling #kitchendesign #kitchendiner #kitcheninspo #kitchenremodel #kitchenrenovation #kitchensofinstagram #magnoliahome #modernfarmhouse #modernfarmhousestyle #neutralabodes #neutraldecor #neutralhome #neutralkitchen #neutralstyle #neutraltones #newbuild #newbuildhome #newbuildjourney #quartzworktops #shakerkitchen #whitekitchen
Can you imagine a more beautiful thing?! I can’t Can you imagine a more beautiful thing?! I can’t! 🤣

My son is loving our @treasuresfromjennifer calendar and keeping track of the days now. He keeps telling me how many days it is until the first day of fall rather than asking me 900 times “when is it going to be fall, mama?!” 😜

Do you have a calendar or weather board in your home for your children? 

#homeschoolmom #homeschoolroom #homeschoollife #homeschoollookslikethis
Anybody else excited about apple picking season?! Anybody else excited about apple picking season?! 🍎 

When September rolls around, you’ll find us doing fun fall-themed homeschool stuff, decorating the house for fall (yes that’s a family affair!) and going apple picking!!!

What’s your favorite thing about September?! 

#septembervibes #fallinnewengland #fallvibes #applepickingseason #fallinnh #newenglandfall #newenglandlife #newhampshirefall #appleorchards
Introducing Theology of Home III: At the Sea 🌊 Introducing Theology of Home III: At the Sea 🌊 

This is the newest release in the amazing book series by @carrie.gress and @noellemering from @tan_books !! 

A must-have for homemakers, At The Sea draws from literature, mythology, and scripture to show readers the rich connections between the sea and mystery, recreation, yearning, and joyful reunions.

Within these pages you’ll find inspiration for home, womanhood, and family. Learn more about water in Scripture, Our Lady as Stella Maris, and more. This book is beautifully laid out and includes breathtaking photography that will capture your heart. 

It would make a beautiful gift or a lovely addition to your book collection. 

Use the TAN Books link in my bio to shop and use ✨coupon code RAISINGWILD-15 for 15% off!✨

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Looking at pictures of my last birth makes me grie Looking at pictures of my last birth makes me grieve my baby in Heaven that I just lost a few weeks ago. 

Knowing all the firsts we won’t be getting. All the newborn snuggles, that new baby smell, the joy of breastfeeding, it’s all gone. Slipped through my fingers in a moment, for no reason. 

No one thinks it will ever happen to them. Nothing prepares you for the loss of your child and no one can fully understand and appreciate the intense level of grief and pain until it happens to you. And if you do not understand this kind of grief, consider yourself very, very blessed and fortunate. 

Sometimes being open to life, also means being open to loss. 💔

#miscarriage #miscarriagesupport #miscarriageawareness #lossmom
READ this post before you LIKE it. 💔💔💔 A READ this post before you LIKE it. 💔💔💔

A few weeks ago, we were planning to announce that baby #6 would be joining our crew in January 2023, but instead we've been processing the death of our beloved child... 

At our 20 week anatomy scan, when we were joyfully expecting to see what our little babe looked like, we were met the words that will haunt us forever - "We can't find a heartbeat."

Two days later, we found ourselves in a foreign environment, after 5 beautiful homebirths, naturally delivering our stillborn son in a hospital. 

Dylan Marinus Ballard was born on August 31st, (our first son's birthday) at 6:43pm and weighing only 7.5 oz. 

Tearfully and filled with grief beyond words, we had to say hello and goodbye at the same time. Our beautiful son. 

Seeing his face, holding his tiny body, and admiring his little toes that looked just like daddy's was just a glimpse into the miracle of life that God allows us to partake in. When you fully realize the sanctity of human life, it makes it even harder to say goodbye. Not being able to take my baby home with me was the most gut wrenching, heartbreaking pain imaginable. It is a pain unlike all others that only mothers who have lost a child can even begin to understand. 

The hardest part of losing a child, is living everyday afterwards. It's such a devastating loss, a loss so unimaginable, that you have no idea how you will get through each day or survive the grief that is in your heart. No matter what age a child is, a parent's heart is forever tied to that child and there's nothing that will break that tie, including the passing of time. That's the beauty of unconditional love. 

Our only consolation is knowing that our little saint is in the loving arms of Jesus now. We look forward to meeting him in Heaven someday.

📷 birth photography by Melissa Lee Photography

#griefjourney #griefandloss #miscarriage #miscarriageawareness #griefawareness #griefislove #itsokaynottobeokay #largefamily #largefamilymom #bigfamily #bigfamilylife #lossmom #pregnancyloss #momlife #pregnancylossawareness #stillbirth #stillborn #stillbornstillloved #stillbornawareness #babyloss #miscarriagemomma #bereavedparents #lossmoms
Some of my favorite fall eats here! 😋 What ar Some of my favorite fall eats here! 😋 

What are your favorite fall comfort foods???

#momlife #homemaker #octobervibes #feelslikefall
Need an easy solution for dinner but don’t want Need an easy solution for dinner but don’t want fast food? @wildgrainbox delivers bake-from-frozen breads, pastries, and fresh pasta right to your door!

Clean ingredients, real sourdough, artisanal pastries, hand cut fresh pasta, eco friendly shipping, and they support small bakeries! 👩🏼‍🍳

Every item is freezer to table in 25 minutes or less so you can enjoy homemade quality food, FAST. I whipped up a loaf of sourdough bread and delicious pasta with marinara sauce in under 30 minutes for me and my husband to enjoy a little date night at home. It was like going to a fancy Italian restaurant, but we go to eat in our pajamas!

We love that Wildgrain is passionate about delivering slow-fermented sourdough bread‘s, fresh pasta, and artisan pastries directly to your door and I love that they are local to me! 

WANT TO TRY IT?! The first 50 people to use my coupon code and link can get $30 off their first box PLUS free croissants in every box! 

Use coupon code FASHIONABLEWIFE to snag this deal QUICK! 💃🏼

LlNK in bio and in stories! 🛒

#momlife #homemaker #mywildgrain #datenightideas
Introducing Caraway’s most requested products, t Introducing Caraway’s most requested products, the NEW Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact and cute sizes!! 

These are designed for cooking smaller portions and are a perfect complement to your current Caraway cookware collection. 

🥳Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link in my bio! 🥳

#momlife #homemaker #homelifestyle #kitcheninspo
What better way to welcome fall than with @caraway What better way to welcome fall than with @caraway_home latest products, the Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact & cute sizes. These are designed for cooking smaller portions and make the perfect complement to your current Caraway collection. 

Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link! 🛒

⁣LlNK is in my bio and stories! 💃🏼 Or use code FASHIONABLEWIFE-MINI22 
.⁣
.⁣
.⁣
.⁣
.⁣
#cottageliving #decor #decoration #farmhouselove #hgtv #homedesign #interior #interiordecor #interiorstyling #kitchendesign #kitchendiner #kitcheninspo #kitchenremodel #kitchenrenovation #kitchensofinstagram #magnoliahome #modernfarmhouse #modernfarmhousestyle #neutralabodes #neutraldecor #neutralhome #neutralkitchen #neutralstyle #neutraltones #newbuild #newbuildhome #newbuildjourney #quartzworktops #shakerkitchen #whitekitchen
Can you imagine a more beautiful thing?! I can’t Can you imagine a more beautiful thing?! I can’t! 🤣

My son is loving our @treasuresfromjennifer calendar and keeping track of the days now. He keeps telling me how many days it is until the first day of fall rather than asking me 900 times “when is it going to be fall, mama?!” 😜

Do you have a calendar or weather board in your home for your children? 

#homeschoolmom #homeschoolroom #homeschoollife #homeschoollookslikethis
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