We've all been there... You open your checking account statement and see a bunch of fees that you don't even understand. Or maybe you do understand them, but you're just angry because they ate up all your hard-earned money.

When it comes to overdraft protection for your checking account, the answer is: it depends.

Debit cards and pre-paid debit cards are both payment methods that allow cardholders to access funds without having to carry cash around. However, there are some key differences between the two

If you're like most people, you probably use your debit card for everything from buying coffee to paying rent. But do you really know what a debit card is and how it can benefit you if used correctly? If you have a checking account, then you probably already have a debit card. But just in case you're new to the game or need a refresher, let's break it down:

I know what you're thinking... who uses checks anymore? Since you're not required to fill out a check at the store to purchase items or send in a check to pay for rent or monthly mortgage anymore, why are personal checks still important?

If you're considering what to do with your money and where to park it safely, you may want to look into getting a Certificate of Deposit Account, or CD.

When you have more than enough funds in your checking account, you stay ahead of any maintenance or overdraft fees.

"Do I need to be part of the military to join a credit union?" This is a common question from prospective new customers, mostly because people have seen all the advertising about military credit unions (think Navy Federal Credit Union). The perks include low loan rates, higher interest in savings, and exclusive discounts. They're discouraged and think it's impossible to get access to these great money-saving perks. But there's good news - Other credit unions offer the same, similar, or better perks, all without needing ties to the military to join!

With all of these misconceptions about credit unions, many don’t even know the real reason why credit unions exist and what membership actually entails.