Biz Chat 022 6 Things You Always Wanted to Ask Your Banker with Stuart Dawson

We've Launched Alabama's First Statewide Business focused Twitter Chat - #BizChatAL  This week we talked to @dstuartdawson from FNB Bank on the “6 Things You always wanted to ask your banker.” #BizChatAL

It’s always better to choose a bank close to you for convenience. It’s good to have and build a relationship with a local banker to help meet all your banking needs. With a local banker, you can usually call directly or go meet with them in person and are usually quick to handle all your banking needs. #BizChatAL

Types of accounts usually can vary based on stages in your life. At a minimum it’s good to have a basic checking account with a debit card, and a savings for unexpected expenses. That’s the benefit of having a relationship with a local banker, they can help guide you in choosing the products and services that will best fit your financial needs. #BizChatAL

Most banks, including us, are FDIC insured and your money is insured up to certain limits. #BizChatAL

Yes credit history is taken into consideration.

Negative credit history can adversely effect your ability to open banking accounts. #BizChatAL

Most banks offer a free personal checking account. Accounts that offer more features and benefits will have fees associated with them. Fees are disclosed at account opening and are never charged to the surprise of our customers. #BizChatAL

By law, there are many things that banks have to disclose to consumers. It’s always a good idea to read the documents and ask your relationship banker questions. #BizChatAL

Thank you, Stuart!

Want to be part of the statewide #BizChatAL conversation? Feel free to reach out to sstahl@scottsboro.org if you would like to join us as a featured guest, or hop in the chat every Thursday on Twitter from 2-3PM/CST on our twitter account: @mtlakeschamber or by following the #BizChatAL hashtag.