Related Financial Services - The following list of company and services directories offer a wide variety of programs for consolidating bills and other similar services, such as a getting a mortgage refinance interest rate quote from a lender or an online quote for life or car insurance.

• Debt Consolidation Services - Are your bills piling up? Lower your monthly payments and consolidate them with a debt consolidation loan or a related service.
• Consumer Debt Management - Do you have too many monthly bills and payments to manage them effectively? Visit this directory of sites in order to review and compare different debt management programs that may be able to help.
• Debt Consolidation Program - Are your bills piling up? Lower your monthly payments and consolidate them with a debt consolidation loan or a related service.

Speed Paying and Banking

High-tech cards and phones could change the way you spend and manage your money

New technologies are constantly adding speed, convenience and flexibility to practically everything we do – including how we bank and pay for goods and services.If you think banking over the Internet is the latest trend, you may be in for some surprises…and for some revolutionary new ways to conduct your daily financial transactions using pre-paid cards, credit and debit cards, and cell phones.

"Banking and paying for goods and services is becoming increasingly wireless and mobile," said Ben Vaughn, an FDIC manager in the section that monitors technology use by financial institutions. "Radio waves are removing the tether from credit cards, debit cards and personal computers, allowing easier access to our bank accounts." The consumer benefits, Vaughn said, include "faster and easier purchases in the checkout line as well as being better able to monitor your bank accounts, which can help in the early detection of errors, fraud and identity theft."

Many financial institutions as well as retailers, cell phone service providers and other companies are also offering special incentives (including waiving or reducing fees) to consumers who use high-tech payment methods. "There's a lot of competition going on, and companies know that new banking services can create greater customer loyalty," noted Donald Saxinger, an FDIC electronic banking specialist.

But while the new services can provide benefits, they also can present questions and concerns about security. "There is always the possibility that a customer could lose a cell phone or bank card, so it is crucial to safeguard passwords, monitor your bank accounts and quickly report and deactivate a lost device so it can't be used to access an account or transfer funds," Saxinger explained.

To help introduce you to new forms of technology in banking, FDIC Consumer News offers this overview.

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 5/16/2007

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