{ "item_title" : "Financial Access", "item_author" : [" Mynigah Mallory "], "item_description" : "Most people are never taught how checking accounts actually work-until something goes wrong.Accounts get denied. Funds get frozen. Access disappears. And no one explains why.Financial Access: Checking Accounts, Credit Unions, and Protecting Your Money breaks down the banking system in clear, everyday language so readers can understand how financial institutions make decisions and how to protect their access before problems happen.This book explains what banks look for when approving accounts, how systems like ChexSystems and Early Warning Services (EWS) affect banking access, and why certain behaviors lead to holds, fees, or closures. It also covers practical topics most people only learn the hard way, including deposits, overdrafts, online banks versus traditional institutions, kids' accounts, and planning for emergencies, incapacity, or death.Rather than focusing on getting rich, this book focuses on stability, access, and control-the foundation of financial security.Inside, readers will learn:Why checking accounts are not guaranteedHow banks and credit unions evaluate riskThe difference between direct deposits, manual deposits, and check cashingHow to protect accounts from freezes, closures, and excessive feesThe importance of having more than one banking institutionHow POD, TOD, and POA work in the banking worldHow to teach children healthy banking habits earlyWhether you are opening your first checking account, rebuilding after past mistakes, or preparing your family for the future, this book provides practical knowledge to help you move forward with confidence.When you understand the system, you stop reacting to it-and start using it intentionally.", "item_img_path" : "https://covers4.booksamillion.com/covers/bam/9/79/824/848/9798248481699_b.jpg", "price_data" : { "retail_price" : "12.99", "online_price" : "12.99", "our_price" : "12.99", "club_price" : "12.99", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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