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Bank fees seem like a necessary evil, the cost of doing business with a bank, but you don’t have to be taken advantage of by your bank. You can minimize what you get charged if you know how the fees work, what to do to avoid extra fees, and if you rely on other financing options, such as cash loans to minimize how much your bank can charge you for financing or for making some common mistakes with your money. Here’s how to avoid some of the more common bank fees and how to use cash loans in a way that makes sense.
What Are Cash Loans?
First you may want to know more about this. What exactly are cash loans and what do they have to do with bank fees? A cash loan is an alternative to bank-based financing, such as bank or credit union loans and credit card advances. With a cash loan, you apply online or through a mobile app, get approved for a small, short-term loan, and get cash that you repay with your next paycheck. This is an easy, fast, small, and affordable type of loan.
How Cash Loans Can Help You Avoid Bank Fees
Two of the most common ways in which people incur unnecessary bank fees are through bounced checks and overdrafts. If you are like many people, you often live from one paycheck to the next, and you often end up with a deficit, running out of cash before your next payday. In this situation, you may write a check that bounces or you may overdraw your account. These are easy mistakes to make, but they are also costly. Always be aware of how much cash you have in your bank account, and when you are low, use cash loans to avoid overdrawing or writing a bounced check. Cash loans are cheaper than a lot of bank fees.
Use Cash Loans, But Also Understand Your Bank’s Fee Structures
Using cash loans is a smart way to avoid a lot of the most common bank fees. Also important for avoiding bank fees is simply being educated with respect to fee structures. Read your account contract, including the small print, so you know what your bank may charge you in various situations. For instance, you may not realize that your bank may charge you a fee if the amount of money in your account drops below a certain level. Most people assume you only get charged if you overdraw, but many banks charge a fee for a checking account that dips below a certain minimum.
Work with Your Bank to Avoid Fees While Also Using Cash Loans
If you have been a good customer for years, your bank is likely to be willing to negotiate on fees. Talk to your bank about overdraft protection and about lowering some fees you often face. If you incur a charge, such as a bounced check fee, talk to your bank and see if you can get the fee dropped. Many banks are willing to work with their customers. And, when all else fails, use cash loans to avoid the kinds of fees that most banks charge.
How to Avoid Bank Fees with Cash LoansBy Eric Knapp -