Resources

• Understanding Overdraft Options
  Learn how you can better manage overdraft protection.
• Avoid These Top Five Credit Mistakes
  Learn how to avoid the five most common mistakes consumers make when using credit. 
• FDIC Issues Tips to Help Consumers Manage Their Money in Good Times and Bad
  The Federal Deposit Insurance Corporation today issued tips to help consumers spend less, save more, protect against fraud and borrow wisely at any time, but especially during a difficult economy. The advice was published as a special edition of the FDIC Consumer News (the Winter 2008/2009 issue) entitled "Managing Your Money in Good Times and Bad."
• Getting a Good Loan in a Buyers’ Market
  Today, there are myriad choices that allow buyers to find a mortgage that best fits their pocket book and housing needs. Find out how the MBA recommends finding the right product.
• Money Can't Buy Love, But Can Buy Headaches - Financial Prenuptial Tips
  The Michigan Bankers Association suggests couples discuss critical issues that could make or break a couple.
• Surviving Unemployment
  As the recession winds down, unemployment continues to hang overhead, forcing many consumers to do more with less. The following link provides some personal finance tips for tough economic times.
• Tips for Getting Small Business Loans - Assessing Your Banking Relationship
  Many small business owners have been disappointed recently to learn that their bank has tightened lending standards or raised interest rates and fees, making it more difficult to get credit.
• Michigan Bankers Association Encourages Consumers to Consider Their Overdraft Protection Options
  Recent federal regulatory changes will require banks to change the standard overdraft practices that apply to all checking accounts. An overdraft occurs when a consumer does not have enough money in an account to cover a transaction, but the bank pays it anyway. The Michigan Bankers Association (MBA) wants consumers to know that the changes, adopted by the Board of Governors of the Federal Reserve, will require the bank to discontinue overdraft protection for ATM and everyday debit card transactions unless consumers affirmatively agree, or “opt-in,” to overdraft protection for these transactions.
• Overdraft Protection Options - Frequently Asked Questions
  View a list of frequently asked questions regarding overdraft fees, customer opt-in and more. 
• New Federal Reserve Rules - The Basic Facts for Consumers
  New Federal Reserve rules give debit and ATM card users additional options regarding overdrafts. In the coming months, banks, credit unions, and other financial institutions must offer you the ability to make decisions about overdrafts for transactions made with your debit or ATM cards.