Electronic Banking

Internet Banking

E-Banking: Banking on the Internet Explains how to shop for an Internet bank account, cross-border banking, different types of electronic deposits and payments, and provides a glossary of Internet banking terms.

Online Banking, Bill Paying and Shopping: 10 Ways to Protect Your Money (FDIC) Guidance about the precautions you should take when banking online.

Payment Cards (Debit and Gift Cards)

Credit and Debit Card Blocking (FTC) Merchants use card "blocking" to make sure that your charges do not exceed your credit limit (credit card) or overdraw your bank account (debit card), leaving them unpaid. This site has information on when and why blocking happens and how to avoid it.

Read the Fine Print Before Giving a Gift Card (OCC) Learn about what to watch for when buying gift cards.

What You Need to Know: New Overdraft Rules for Debit and ATM Cards Helps you understand your rights regarding overdraft fees on your deposit account when you use your ATM or debit card. Español Lo que necesita saber: Nuevos reglas de sobregiro para las tarjetas de débito y las tarjetas de ATM

What You Need to Know: New Rules for Gift Cards Know and understand the new federal consumer protection rules on purchasing and using gift cards.

What You Need to Know about Payment Cards Empower yourself as a consumer by knowing how to read the terms and conditions of payment cards (credit cards, charge cards, debit cards, and prepaid cards).

Other

Electronic Transfer Account (ETA) Learn more about this low-cost account in which federal benefits, wages, salary or retirement payments can be deposited electronically.

A Guide to Direct Deposit Explains how direct deposits work, the benefits of using direct deposits, and your federal rights if something goes wrong.

A Guide to Direct Payment Explains the advantages of paying your bills (i.e., loans, utilities) electronically and your federal rights if something goes wrong.