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- How to avoid deposit service fees
Protecting myself from overdrafts
The best way to avoid overdraft and bounced-check fees is to manage your account so you don't overdraw it. Here are some tips to help you:
- Keep track of how much money you have in your checking account by keeping your account register up-to-date. Record all checks when you write them. And don't forget to subtract any fees such as monthly service charges or check orders.
- Pay special attention to your electronic transactions. Record your ATM withdrawals and any fees, debit card purchases, and online payments.
- Don't forget about automatic bill payments you may have set up.
- Keep an eye on your account balance. Remember that some checks and automatic payments may not have cleared yet.
- Review your account statements each month. Between statements, you can find out which payments have cleared and check your balance by using Home-bank, calling Home Federal or at an ATM.
- Sign up for overdraft protection from Home Federal.
For additional information on service fees that may apply to this account, please contact your nearest banker, or call 1-888-489-5355.
- Tips for homebuyers
- Start by learning how much you can afford to pay for a new home. Contact a Mortgage Loan Officer near you or try our mortgage calculator for an estimate.
- Get expert advice. Search for your new home with the help of an experienced real estate agent.
- Save time and energy by narrowing your search. Focus on homes in areas you already know you like.
- Don't let excitement get the best of you. Resist the temptation to buy beyond your budget.
- Be clear about your requirements for your new home. Carefully distinguish between what you need and what you want.
- Get a second opinion. If shopping alone, bring a friend or relative with you when you find a home you are considering.
- Find out about all costs associated with a particular home. For example, get an estimate on homeowner's association fees and utility bills.
- Give the house a test drive. Try your potential new commute in rush hour to learn about traffic patterns and travel time.
- Get a feel for the neighborhood. Visit the home at various times of the day to learn if the area is peaceful or bustling with activity.
- Consider the cost to upgrade. If the home requires renovations, be sure to include that figure in the overall price tag.
- Don't short change yourself. Check out other properties for sale. You might miss a great opportunity if make an offer too quickly.
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