The Basics Of Borrowing Flagstaff AZ

If you're a current or future college student, it pays to understand the basic principles behind borrowing.

Wells Fargo - East Flagstaff Branch
(866) 245-3452
2625 North Fourth Street
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Chase - East Flagstaff Branch
(877) 682-4273
4830 North Highway 89
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Flagstaff Woodlands Branch
(800) 432-1000
2625 South Woodlands Village Boulevard
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Chase - Flagstaff Downtown Branch
(877) 682-4273
100 West Birch Street
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
BBVA Compass Bank - Flagstaff Downtown Branch
(800) COM-PASS
2 East Birch Avenue
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $20.00. See institution about how these monthly fees can be waived.
ATM Fee Rebate Noe: BBVA Compass Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Flagstaff Mall Branch
(866) 245-3452
4650 N Hwy 89 D3
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Flagstaff Mall Branch
(800) 432-1000
4550 North Us Highway 89
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Chase - Flagstaff Milton Road Branch
(877) 682-4273
1484 South Milton Road
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - So. Woodlands Village Branch
(866) 245-3452
2700 So. Woodlands Village Boulevard
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Flagstaff Branch
(866) 245-3452
1200 South Milton Road
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Data Provided by:

The Basics Of Borrowing

Provided by:

If you're a current or future college student, chances are good that you're considering a student loan. Before you make any decisions, it pays to understand the basic principles behind borrowing.

All loans consist of three components: The interest rate, security component and term.

The Interest Rate

The interest rate is the lender's charge for the use of its money. The interest rate is usually a small percentage of the amount loaned.

There are two different types of interest rates: fixed or variable (a.k.a. adjustable).

Fixed rates are just that: fixed and unchanging. If your fixed interest rate is 7 percent, it will be 7 percent for the life of the loan.

Variable rates can change over time and are usually based on a standard market rate, such as the prime interest rate (which is the lowest rate of interest a bank can provide at a given time and place, offered to preferred borrowers). For instance, you may take out a loan with a variable rate at "prime +2." This means that you'll pay two percent more than the prime rate, regardless of what it is.

Interest rates for popular student loan programs like Stafford and Perkins Loans have low interest rates. Plus, the government pays the interest on subsidized Stafford Loans and Perkins Loans while you're in school.

The Security Component

All loans are either secured or unsecured. This refers to whether you are putting up assets, often referred to as collateral, to guarantee your loan. ...


Click here to read the rest of the article at YoungMoney.com.