In our move towards a paperless society, banks have begun to stop shipping back cleared checks to their account holders. These cleared checks can be found on Internet and printed out should they need access to these records. Some banks also will not ship their monthly statements as they too can be printed out on web as well.

Interest bearing accounts

Some checking accounts, savings accounts and IRA’s can also be managed via Internet. Account holders can move money between accounts and add money to their savings accounts electronically without ever visiting a teller or local branch.

Convenience

One of greatest conveniences is being able to reconcile your accounts with popular personal finance software such as MS Money and Quicken. Banks have ways to create files that can be imported into these software products so that balancing account is done for them with little intervention. The web makes it very handy should you forget to record items into your register and will do it all for you with a couple clicks of mouse.

Don’t be afraid to move to another credit card company

Some credit card companies will not budge when it comes to reducing your rate: even if you threaten to leave them. That is when you look for another credit card that meets your immediate financial needs. Shop around to major credit card companies and seek out best possible rates. You can also search on Internet for sites that give best credit card ratings. This will allow you to make a financial decision that can save you hundreds if not thousands in long run.

There are a dozen reputable credit card companies in market who are willing to sign you up to earn your interest. These cards will even offer to assume your previous credit card debt to help reduce interest you are bearing on those accounts.