Avoiding Charges With Credit Cards Hagerstown MD

The attractiveness of the interest free balance transfer card was reduced for many customers but with care canny rate tarts could still take advantage of the deals being offered by the credit card companies.

Susquehanna Bank - Halfway Branch
(800) 311-3182
17601 Virginia Avenue
Washington County, MD
ATM Fees
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee is waived if you have a balance of at least $2,500 after the withdrawal. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Susquehanna Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

Data Provided by:
Susquehanna Bank - Dual Highway Branch
(800) 311-3182
1625 Dual Highway
Hagerstown, MD
ATM Fees
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee is waived if you have a balance of at least $2,500 after the withdrawal. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Susquehanna Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

Data Provided by:
Sovereign Bank - Wesel Boulevard Branch
(877) SOV-BANK
1580 Wesel Boulevard
Hagerstown, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use an ATM that is not a Sovereign Bank ATM. (Fee does not apply to all accounts.)
Services
Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
M&T Bank - Dual Highway Branch
(800) 724-2440
930 Dual Highway
Hagerstown, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $24.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 4 uses per month. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact M&T Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Susquehanna Bank - Salem Avenue Branch
(800) 311-3182
1326 Salem Avenue
Hagerstown, MD
ATM Fees
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee is waived if you have a balance of at least $2,500 after the withdrawal. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Susquehanna Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

Data Provided by:
Susquehanna Bank - Frederick Street Branch
(800) 311-3182
940 Frederick Street
Hagerstown, MD
ATM Fees
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee is waived if you have a balance of at least $2,500 after the withdrawal. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Susquehanna Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

Data Provided by:
M&T Bank - Valley Mall Branch
(800) 724-2440
17301 Valley Mall
Hagerstown, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $24.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 4 uses per month. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact M&T Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
M&T Bank - Centre At Hagerstown Branch
(800) 724-2440
17724 Garland Groh Boulevard
Hagerstown, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $24.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 4 uses per month. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact M&T Bank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Capital One - Centre At Antietam/Hagerstown Branch
(888) 655-2265
950 Dual Hwy
Hagerstown, MD
ATM Fees
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

Data Provided by:
Sovereign Bank - Paul Smith Blvd Branch
(877) SOV-BANK
140 Paul Smith Blvd
Hagerstown, MD
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use an ATM that is not a Sovereign Bank ATM. (Fee does not apply to all accounts.)
Services
Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Data Provided by:

Avoiding Charges With Credit Cards

The technique of transferring balances between credit cards in order to avoid interest charges has undergone a step change in complexity in recent times as card providers suddenly found themselves victims of so called “rate tarts” who would periodically move their cash balances between different cards at regular intervals to avoid any interest charges. Credit card companies used the balance transfer technique to attract new customers, but they quickly had to change their rules once it became apparent they were only attracting the “rate tarts” who would move on to another provider as soon as their deal had run it’s course.

The attractiveness of the interest free balance transfer card was reduced for many customers but with care canny rate tarts could still take advantage of the deals being offered by the credit card companies. The natural move for the card providers was to impose ever more complex and confusing terms and criteria to their balance transfer deals. That served to reduced their exposure to the rate tarts but it also exposed the unwary “normal” customers to a series of precarious positions that needed to be carefully avoided. These are the things to watch out for if you decide to take up credit card with an interest free balance transfer option included.

Unless your card specifically provides for it with an interest free period, do not make any new purchases on your card that carries the transferred balance. It is likely that the interest rates applied to new purchases will be higher than average and also any repayments made to the card will not be allocated to the new purchases until the entire amount of the transferred balance is paid off. So you could be in the position of incurring these higher than average charges against your purchases for an extended period of time.

Remember not to be swayed in to making new purchases by the offers of cash back or reward schemes. Card companies will look for ways to entice you into making these new purchases as a means of charging back some of the cost of offering the interest free balance transfer deal.

Also completely avoid using your card to with draw cash. Cash transactions using credit cards attract some of the highest rates of interest and many customers remain largely unaware of this until they spot interest charges itemised on their monthly statement. Withdrawing cash on a credit card is not the same as using a debit card. Firstly, unlike debit cards, there will always be an interest charge and it’s likely to be fairly high. Additionally, unlike purchase made on a credit card, cash withdrawals attract interest charges immediately, rather than after an initial period of up to 50 days.

Plan carefully for the time when you balance transfer deal expires. You should either look to have fully repaid your transferred balance by the time your deal runs out or you should have made arrangements to move the balance to another card before your interest free period stops.

Another situation to watch out for is the withdrawal of the agreed inter free period if minimum monthly payments are not maintained. The rules of a particular card may allow the provider to withdraw the interest free element if a customer misses a regular repayment. One survey in 2007 found that 75 per cent of card providers in the UK had terms that allowed them to withdraw all introductory offer benefits in the event of a single missed or late payment. In the UK the Office of Fair Trading set a cap on the fee that could be charged in the event of a late credit card repayment, but if attractive interest free terms are also withdrawn the financial impact of forgetting a payment can significantly higher.

Michael Lennan provides credit card information for several finance orientated websites. Read his work and learn more about selecting the best credit card offers from companies like http://www.mbna.ie/ and others.



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