Banking Guides & Guides
Master banking fundamentals. Learn about fees, how to choose the right account, transfer limits, and more.
Banking Basics
What Is a Cashier's Check? When and How to Use One
A cashier's check is a bank-issued check guaranteed by the bank's funds. It's commonly used for large transactions like real estate purchases.
What Does "Pending Deposit" Mean?
A pending deposit means your bank has received notice of an incoming payment but has not yet made the funds available. Availability depends on the deposit type and your bank's hold policy.
Routing Numbers
What Is a Routing Number? How to Find Yours
A routing number is a 9-digit code that identifies your bank in electronic transactions like ACH transfers, direct deposits, and wire transfers.
Chase Routing Number by State: Full List and How to Find Yours
Chase uses different routing numbers depending on the state where you opened your account. Always verify your routing number directly with Chase or in the Chase app.
Wire Transfers
ACH vs. Wire Transfer: What Is the Difference?
ACH transfers are typically free or low-cost and take 1–3 business days. Wire transfers are faster and more final but usually come with a fee.
Bank of America Wire Transfer Limit and Fees Guide
Bank of America wire transfer limits and fees vary by account type and whether the transfer is domestic or international. Always verify current terms with BofA.