Credit Union

If you are sick and tired of bank fees, you should consider switching to a credit union. But before you make that big step, you need to do your homework so that you don’t end up at a bank that does not have the resources or service level to meet your needs. Here are three tips to consider before you switch:

1. Do your Research

It is better to find a large credit union in your area with an extensive network of branch offices and ATM networks. If you are in Georgia for example, Redstone Federal Credit Union is a great bank with one of the largest networks in the south. Make sure you visit 2 branch locations and are comfortable with the level of service you receive before jumping ship. If you are in the Golden State, the California Credit Union Directory

2. Compare Fees

Another tool that helps you narrow which banks to use if to compare their fees. Credit unions are supposed to have low fees but not all credit unions are created equal, so it is important for you to compare the fees against each other and also look at what you are currently paying to make sure you are going to save enough money to make switching worthwhile.

3. Debit and Checking Account Services

How supportive are they with checking account services, like online banking, bill pay, electronic check deposit, debit card transactions, and routing number access. For example the Redstone Federal Credit Union Routing Number is displayed right on the website for you to locate. So you don’t have to go digging to find it. It’s these small things that make the difference between saving time and pulling your hair out.

Eppicard Review

Eppicard is a debt card (prepaid gift card) issued by 23 states to be used in paying for Child Support Benefits to those eligible. It is also used to pay for unemployment benefits in a handfull of states. The eppicard is actually a debit card and can be used like any other card at locations where the issuer cards are accepted. The biggest advantage of the eppicard is connivence  Thee funds are automatically loaded onto the card and becomes available to the recipient for us almost immediately. The Florida eppicard has the most members.

Just like other prepaid gift cards, the eppicard come with a host of fees and charges. The range from ATM fees, monthly maintenance fees, excessive use fees all the way to fees for calling customer service. To make sure that you don’t get charged these fees, be sure to check the disclosure documents that come with your eppicard. You can also contact eppicard using the number at the back of your card. Do not assume that everything about your card will be disclosed when you sign up for the card, so visit the card website and familiarize yourself with all the terms, conditions, fees and charges that come with it, so there are no surprises. If you are wondering about which prepaid cards are excessive, this article tells you which fees not to pay.

Sell Gift Cards

Where do I begin?

Like most people, you are probably looking for a way to earn extra income.  Whether it’s an extra $500 a month you need or an extra $10,000, you can use the secondary gift card market place to do it.  This article will give you all the details you will need to sell gift cards for a profit.

We begin by acquiring gift cards to sell. The best place to do this? The sock drawer. Take a second to look around the house and find any old gift cards you may have lying around. The average American family has over $350 in gift cards laying around going to waste.  You may fall into the higher or lower end of this statistic, but chances are you do have gift cards in the house.

The next place to start is by asking your friends and family. If you find that your friends do have gift cards they are not using, make them a cash offer to buy the cards. Of course we cannot pay face value for the card and still make a profit. So, be sure to offer between 50-70% of the value depending on the popularity of the card.  For more information on how to do this, click here.