2. It takes us three days to post checks to your account

Just because you deposited a check today doesn’t mean you can start living it up tomorrow. Cheque clearance totally depends on a person’s credibility and the type of check issued.

For instance, a payroll check is cleared the moment it is deposited. If the customer depositing the check has big bucks in his account, the check is likely to be cleared right away.

3. If you ask them, they can give you a better deal

Banks enjoy your benefaction, even if they aren’t obvious about letting you know. You may have found this out if you have tried to move your mortgage to a provider with a lower rate. Often, if you tell your bank you are leaving because you have found a better offer, they will match that offer.

 Of course they don’t ring you up to offer you the better rate – it’s just something they throw in there to stop you from leaving. This also happens with online savings accounts.