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MMG Guide to Banking Basics for International Students

MMG Guide to Banking Basics for International Students

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MMG Guide to Banking Basics for International Students

104 pages
4 heures
Aug 20, 2015


As an international college student, take the worry out of navigating the U.S. banking system. The MMG Guide to Banking Basics for International Students gives you the steps to find a bank, manage your accounts, and tap into other facts you need to know about banking and money.

Written in a question and answer format, you can read the guidebook in one sitting, skip to topics of interest, or come back later for a refresher. Learn what documents you need to open a bank account to tips on using debit cards and saving on bank fees. With your banking knowledge, you can feel empowered to achieve your money lifestyle goals as a student.

Aug 20, 2015

À propos de l'auteur

Hi there! I appreciate you are taking a few minutes to get to know about me. I've enjoyed a fascinating journey of learning and experiences over the years. Let me share a little of my background with you.My corporate years were in banking and personal finance. I left the corporate world in 2014 to follow my passion for research, writing, and nature photography. In tandem with my personal life choices, I began writing within the health and wellness community to share the benefits of nature-based and natural approaches to living a happier and healthier lifestyle. In the near future, I will be publishing ebook editions of four of my recent books in health and wellness.Below is my formal profile for you to review. You can also visit ImageQuotesMMG.com to learn more about my work. I hope what I have learned can be valuable to you in YOUR learning journey.Melissa________________________I'm Melissa Newton, Founder and President of Millcreek Media Group, Inc. (MMG), an e-publishing and content media group. We're unique to the health and wellness content space. We publish nature-based digital content for health and wellness professionals to educate consumers on health topics. Our content library is niched to health and wellness brands, health practitioners, and entrepreneurs to build client/patient trust.My personal philosophy is to look to nature and natural approaches as a complementary source of healing, which science has given ample evidence. As such, I bring this philosophy to the products we publish. Our one-of-a-kind content library of images, videos, educational/self-help articles and books, can help you build a trust relationship in your market.I also provide ghostwriting to clients in this niche market. My specialty areas include self-help, stress management, caregiving, nature and health, and nutrition.ImageQuotesMMG.com WebsiteUse the work of a named artist whose niche is photographing nature. I developed ImageQuotesMMG to offer a budget-friendly option to access my portfolio of digital download products. They can be used for social media, content creation projects, PowerPoint presentations, and gifts to employees, clients, and patients.Subscription: Photos, inspirational quotes. Single-sized, royalty-free, brand-free images.Purchase Digital Nature Videos: Choose from different video collections. Each bundle has several videos; some include FREE images and/or educational articles. License allows businesses to (1) play videos in office and healthcare spaces in one location, and/or (2) give to an unlimited amount of people (employees, clients, patients, conference attendees) as a gift.Commissioned Nature Videos: I work with clients to produce one-of-a-kind nature videos. These are customized productions by location, theme, music, and subject matter to incorporate into your public and office space design.Ghostwriting - Varied Book TypesAre you ready to share your expertise? As a seasoned researcher, writer, and author of 14 books, I also collaborate with clients who want to share their solutions for a better health lifestyle. As a ghostwriter, I specialize in interview-based, nonfiction book writing projects. My niche is self-publishing book types: PDF downloads, ebooks, booklets, white papers, Print-on-Demand, client blogs curated into books. We can also help you self-publish your books.Consulting - Nature Videos in Office/Public Space DesignLooking to make the complementary healing of nature part of your office, practice, or public space design? You can work with the artist - me - to blend the perfect nature or educational videos into reception, work spaces, atriums, and relaxation or serenity rooms in healthcare spaces.Current Book Project"Tips for Nature-based Healthy Living: Ideas from Chicago area experts to help families lead a healthy, happy lifestyle. It shares the science and anecdotal evidence of how a nature-based, holistic approach to our health is a powerful tool for a happier and healthier lifestyle. The book includes interviews with Chicago area physicians, health and wellness experts, practitioners, and researchers.For relaxation, Melissa enjoys photography, painting, piano, and activities offered at The Art Institute of Chicago, The Morton Arboretum, and The Naper Settlement.

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MMG Guide to Banking Basics for International Students - Melissa Newton

MMG Guide to Banking Basics for International Students

By Melissa Newton

Copyright 2016

Smashwords Second Edition License Notes:

This ebook is licensed for your personal use only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return to your favorite ebook retailer and purchase your own copy. Thank you for respecting the license notation of this author.

Table of Contents

Author’s Note


Part 1: The Facts on U.S. Currency

Part 2: Choosing a Bank

Is My Money Safe?

Big Bank versus Community Bank

What to Look for When Researching a Bank’s Website

Checking Accounts

Savings Account

A Bank’s Fee Schedule

Funds Availability (When can I get my money?)

Part 3: Opening a Bank Account

Part 4: Managing Your Bank Account

Online Banking and Online Bill Pay

How is Mobile Banking Used?

Tips on Using a Debit Card in the U.S.

Using an Automated Teller Machine (ATM) in the U.S.

Overdrafts, Non-sufficient Funds, and Other Fees

What Types of Alert Messages Can I Set Up on My Account?

Avoid Identity Theft, Fraud, and Money Scams in the U.S.

Part 5: Other Facts to Know About Banks and Money

Why You Need to Know About Basic Banking

When Are U.S. Banks Closed?

What Public Notices Are Required at a Bank?

Do You Know Your American Bankers Association (ABA) Number?

What is the Federal Reserve?

Part 6: Websites and Resources

Author Closing Comments

About the Author

Other Books and White Papers by Melissa Newton

Connect with Melissa Newton



Author’s Note

Congratulations! You are on an exciting adventure as a college student. You have the opportunity to immerse yourself into college life which brings a mixture of fun, responsibility, and the opportunity to make lifelong friendships. In addition, the educational goals you have set for yourself will prepare you for the successful career you have dreamed of achieving.

There are many details, both large and small, for you to plan as you enjoy a meaningful academic and social experience here in the U.S. One very important item you need to add to your checklist is obtaining a basic understanding of the U.S. banking system and how to choose and work with a bank to meet your money lifestyle needs. Why? It is because from the minute you step off the plane, you deal with U.S. money.

In our research, we found that one of the frustrations of some international students is navigating the U.S. banking system. For this reason, we have published the second edition of our MMG Guide to Banking Basics for International Students. (The first edition of MMG Guide to Banking Basics for International Students was published in 2015 and was so helpful to readers).

Our goal continues to be to help steer you through the process of banking here in the U.S. so you feel confident about choosing a bank, picking the right bank account(s), managing your money to avoid bank fees, and keeping your personal identity and money safe. There is no doubt the U.S. banking industry, just like yours at home, has its complexities. But, as an international student, what you need to know to get started is in this guidebook.

We want to hear from you. We really do! If you found this guidebook helpful, tell us. If you run into a problem or issue that we did not discuss, tell us. We will add it to our next edition. We hope the MMG Guide to Banking Basics for International Students makes your experience studying in the U.S. just a little easier. We also appreciate you telling others about how this money guidebook can help them too!

We wish you all the best during your exciting experience as an international student in the United States. We look forward to hearing from you.

Melissa Newton

President, Editor-in-Chief

Millcreek Media Group, Inc.




The purpose of the MMG Guide to Banking Basics for International Students is to give you a convenient resource to understand key banking topics as you manage your bank account(s) in the U.S. Selecting a bank and then opening a checking account is one of the first action steps you take once you arrive and get settled on campus. Once your banking relationship is established, then it needs to be properly managed. One thing is for certain, setting up a U.S. bank account will make your daily money life on campus a whole lot easier.

Why do you need to establish a checking account at a U.S. bank? Consider the following:

1. The convenience of using U.S. currency in your daily money life. After all, every money transaction while studying here will be done within the U.S. banking system.

2. You will enjoy a savings benefit using U.S. currency instead of dealing with the cost of frequent currency exchange and money orders.

3. A checking account provides a place to deposit the money you have and will receive from home, financial aid awards, or other types of deposits. If you are authorized to work, an employer will have your payroll (money paid to you for work performed) deposited into your account using direct deposit.

4. A checking account will give you to the tools to perform a variety of money transactions. Activities such as shopping, eating at restaurants with friends, travel, and paying bills can be handled safely and easily.

These tools include the ability to write checks, use a debit card, deposit and withdraw money from an Automated Teller Machine (ATM), manage your account using Online Banking (access to your accounts through the Internet using your bank’s website), paying bills online using Online Bill Pay, and Mobile Banking.

5. It is more cost effective to do your purchases in U.S. currency. In addition, it is safer than carrying cash in your wallet or purse or purchasing money orders.

The MMG Guide to Banking Basics for International Students is broken down into six main parts:

The Facts on U.S. Currency

Choosing a Bank

Opening a Bank Account

Managing Your Bank Account

Other Facts to Know About Banks and Money

Websites and Resources

We have designed the Q&A layout so it

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