Your Money, Your Goals - A financial empowerment toolkit for social services programs.

Tool 1: Selecting financial service products and providers Selecting a financial service provider can be hard because there are ...

On this chart, find the three reasons you identified above. Circle them and read about the financial service providers and produ ...

(^) Bank or credit union Savings account or checking account I want to have my paycheck directly Employer Payroll card (prepaid ...

Retailer, some check cashing I want to send money stores, U.S. Postal Service, Money Transfers to someone. online companies Bank ...

Tool 2: Evaluating financial service providers Once you know the reasons you want a financial product or service and have identi ...

Does it offer transactional services? (check cashing, money transfers, bill payment) Does it offer additional services? (Notary ...

Are there fees for using online banking services? What are the fees if I overdraft? What are the fees associated with getting a ...

This Tool may ask you to provide sensitive personal and financial information. The CFPB does not collect any information from yo ...

Tool 3: Types of financial services Part of selecting the right financial service provider is knowing what product(s) or service ...

Automated teller Deposit in or withdraw money from a machine (ATM) card savings or checking account. You will often not be charg ...

Depository products or services Savings account Deposit money in and withdraw money from an account; earn interest (currently in ...

Business loan Borrow money to start or expand a business. This will be an installment loan. Equipment or other business assets, ...

Pawn shop loan Borrow money against an item. If you do not pay back the loan as agreed or renew the loan, the pawn shop can sell ...

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Tool 4: Opening account checklist Opening an account at a bank or credit union^38 If you decide that a checking or savings accou ...

 Your Social Security card  A bill with name and address on it  Your birth certificate If you do not have a U. S. government- ...

 Had a lot of bounced checks and non-sufficient funds (NSF) fees  Not paid debts and fees owed to a bank or credit union relat ...

If you find mistakes, you can dispute these by sending a letter (you may choose to use certified mail) describing the mistake an ...

Low balance alert notifications Other: Resources FDIC.gov, Credit Repair: http://www.fdic.gov/consumers/consumer/ccc/repair.html ...

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