Protecting Your Money in Today’s Economy

7 Tips to Keep More Money in your Bank Account USE YOUR OWN BANK’S ATM Lower/ No additional charges. Ensure you have enough money if traveling to unfamiliar locations.

7 Tips to Keep More Money in your Bank Account 2) PAY YOUR CREDIT CARD ON TIME Avoid Late Fees Develop a good credit rating

7 Tips to Keep More Money in your Bank Account 3) DO NOT USE YOUR CREDIT CARD TO WITHDRAW CASH This incurs hefty fees and charges Pay via Point of Sale (POS) swipe machine

7 Tips to Keep More Money in your Bank Account 4) AVOID USING THE TELLER IN THE BANKING HALL Visiting a teller counter at your bank incurs teller fees. These fees are much higher than ATM fees. Sign up for electronic banking

7 Tips to Keep More Money in your Bank Account 5) DEVELOP A GOOD RELATIONSHIP WITH BANK STAFF Maintain a good relationship with your personal banker Personal banker may more speedily assist with account discrepancies

7 Tips to Keep More Money in your Bank Account 6) KNOW YOUR ACCOUNT BALANCE AT ALL TIMES TO AVOID OVERDRAFT FEES. Know the Fees and Charges for conducting transactions with your bank.

7 Tips to Keep More Money in your Account 7) LEARN TO AND USE INTERNET BANKING AS MUCH AS YOU CAN. Use internet banking to: - save on banking fees - save time - pay bills - follow transaction details online Be mindful of online security

Protecting Your Money in Today’s Economy

Banking Code of Conduct on Customer – Related Matters Under the Code of Conduct banks must do the following: Provide consumers with reasonable notice of fees, charges, terms and conditions and notify consumers of any changes; Allow consumers access to their information at a reasonable cost; Keep customer information confidential; Keep language in contracts simple and clear and provide consumers with a fact sheet and/or identify key terms for consumers’ attention; and Establish effective complaints mechanisms and communicate those to consumers.

Banking Code of Conduct on Customer – Related Matters Enforcement of the Banking Code of Conduct

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