Comparing Related Financial Services - In addition to the credit card company advertisers listed below, Debtconsolidationloan.com offers a wide variety of consumer finance program listings to assist you with controlling your debts and other money management needs. Consolidate credit card bills with debt consolidation loans or use a credit counseling service for help with your getting your monthly budget under control.

• Debt Settlement Help - If you have too many credit cards and other small debts and are unable to make your payments, this form of debt negotiation may be right for you.
• Credit and 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 Services - Need lower payments? If you have a large amount of small debts (especially if they have adjustable interest rates), now may be a good time to do a consolidation of your bills and lower your overall monthly outgo.

When You Need Money Fast

Sources of Affordable Cash

38. Ask your bank about linking your checking account to your emergency savings account. With this arrangement, an overdrawn checking account can be covered by having the shortage automatically transferred from your savings account. "Expect to pay a small transaction fee for using this service, but it will be less than what you'd be charged in interest and fees for a bounced check or a short-term loan," said Miller. "Remember that it's always cheaper to borrow from yourself than to borrow from someone else."

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.

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Last updated on 8/10/2007

Make the correct decisions when shopping for banking, debt consolidation and related financial services. Educate yourself!

The Debt Consolidation Loan Directory has a growing library of free informative / educational financial resources for consumers shopping for many types of services related to the management of your money, such as consolidating credit card debts, fraud alerts and car insurance. There is no better way to make decisions regarding the management of your personal finances than to read and understand how they work. Please feel free to visit our consumer resource library for more information.

• Cell Phone Banking - New cell phones are constantly evolving and becoming more sophisticated. This includes adding the capability of handling online banking through your phone. This FDIC article discusses some of the possibilities and precautions you should take when using your phone for banking purposes.
• How to Protect Yourself with FDIC Insurance - Read up on what qualifications are necessary and how to determine if your deposits are covered by FDIC insurance.
• Direct Deposit Safer than Checks? - The US Treasury Department reports that a majority of surveyed consumers mistakenly believe that paper checks are safer than direct deposit.
• Consider the Fees! - Learn what to look for and examine the details of each banking account offer for possible fees, such as: inactivity, minimum balance and ATM withdrawal fees.

debtconsolidationloan.com is a free online service. All infromation regarding debt consolidation loan programs and related financial service offerings by outside companies is deemed reliable, but not guaranteed. debtconsolidationloan.com is not responsible for the content and services, that may be provided to you, by following the links from this web site to outside providers. Use this service at your own discretion. Last site update: 2012-01-02.