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Banking, Sending & Borrowing Money


Learn more in this section about bank accounts, using an ATM Safely and many other ways to protect you and your money.  For instance did you know that over the long term, a bank account can be less costly than using non-bank financial services, and can help you start to build a relationship with a bank and a financial history that will help you in the future?

New York State law requires that all banks offer consumers a low-fee bank account that meets specific basic criteria. Anyone in New York State can have a basic banking account if they meet certain conditions. Learn more about basic bank accounts.

Credit Card Terms and Fees

The Consumer Financial Protection Bureau (CFPB) is the federal agency charged with protecting consumers in the U.S. market for financial products and services.

The CFPB takes a survey twice a year of the terms of credit card plans offered by some of the largest credit card issuers in the country. In addition, the CFPB's database of credit card complaints and complaint responses informs the public about complaints. Its database of credit card agreements, from more than 300 card issuers, features general credit card terms and conditions, pricing, and fee information.

Although the credit terms and agreements provided by the CFPB are subject to change and you should contact issuers for current rates, fee, and other types of plans, the CFPB complaint database, credit card plan survey and agreement database are good places to start if you are shopping for a credit card.

If you have questions about the information on this website contact the Department of Financial Services. If you have questions or concerns about the information offered on the CFPB website, please contact the CFPB directly.