In publication since January 16, 1998, The Crusader explores many of the changes needed to reorient our lives and put each of us on the "road less traveled" - the Road to Wealth & Prosperity. Enjoy the journey!

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To your financial success!
Al Crisp CPA

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Sometimes looking into opening an account or accounts in banks can be confusing. There are so many types of banks and bank accounts! Which banks are right for you to open an account in? Which types of accounts do you need to open? Below are some simple explanations of several types of banks and the accounts you can open. One will surely be right for you!

Types of banks: Savings Banks, Credit Unions, Commercial Banks, Savings & Loans, and Investment Banks

1.Savings Banks also called Thrifts: These are business-related banks. They take the deposits of money, they invest them and then they pay the depositors the interest they earned with those investments. Some of these banks give credit to the people who make the deposits.

2.Credit Unions: These banks are non-profit financial institutions. A Credit Union is owned and controlled by those doing business there. Membership is needed to get into a Credit Union, normally determined by where the person works, their location, or possibly where the go to church.

3.Commercial Banks: Although in the past these banks only used to deal with businesses, nowadays they have expanded their services to individuals. Their clients get most of the same services they get from other types of banks.

4.Savings & Loans: Saving accounts are the specialty of this sort of bank. The money that is deposited is loaned out to the local populace, normally to get home loans.

5.Investment Banks: Investing is the only activity these banks do, just like their name indicates. These Investment banks acquire stocks and bonds and put them up for sale too. They also provide investment guidance to its clients. They have some other characteristics, for example, they do not allow deposits, they do not make loans, and they are not insured by the FDIC (Federal Deposit Insurance Company).

There are many kinds of accounts:

1.Savings account: Being one of the most basic accounts offered by banks, in theses accounts you can deposit money and earn interest based on the APR, or Annual Percentage Rate.

2.Checking account: This type of account allows for depositing, withdrawal, and the writing of "checks" to pay bills and for purchases. Many banks now offer ATM or debit cards along with the standard checkbook when you open a checking account.

3.Certificate of Deposit (also known as CD): They just receive deposits. You cannot withdraw the deposited money in a CD for an agreed upon amount of time (from 6 months on), but you will take home a fail-safe amount of interest. You will surely have to pay a fee if you do take the money before the agreed upon date.

4.Money Market Account This type of account is similar to a savings account. The interest rate of a money market account is higher than the traditional savings account, but the minimum balance is typically $10,000 or more!

Knowing the basic available kinds of banks and accounts, you are able to choose the bank account that best suits your needs.

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