Howto
get the most
from your bank
__ *
. KEEPING UP WrrH ACCOUNT BALANCES
By Jacque Johnson
Everyone feels more comfortable knowing the
balances of their checking, savings and credit line
accounts. Tb~ prevent bouncing a check or exceeding
your credit line, it helps to keep your records as-care
luuy as me DanK aoes.
If you forget to record a transac
tion, however and your monthly
statement will be coming soon,
you will probably be able to figure
out your mistake very quickly
when the statement arrives.
Compare each transdCtiort the
bank has listed with what you
have recorded, and also check to
see if you forgot to record any
withdrawals made from an auto
i 1 . «1 m «
Jacque Johnson
umieu tener macmne, automatic aetata from your
account, or any service charges subtracted from
your account.
If you still can’t find the problem, go see your
banker as soon as possible. A banker can help find
the mistake quickly — whether it was yours or the
bank’s — if he or she only has to look back through
the transactions you made in the previous two weeks
rather than several months.
You may have to pay a modest fee, though,
because some banks are now charging for helping
customers figure out their account balances. This fee
helps to pay for the banker’s time and file computer
printout that shows the customer’s transactions.
Also, the fee is intended to encourage customers to
keep very careful records so that they do not heed the
special help. Of courser there would be no fee for
correcting a bank error
Many banks have automated teller machines
(ATMs) that give account balance information for
your checking, savings, line of credit and bank credit
card accounts. Using an ATM to find your account
balance is just as easy as asking your banker and
probably takes less time.
An important thing to remember when you find
out your account balance from the ATM or your
banker is that you need to deduct any outstanding
checks which may not have cleared. For example, if
the ATM tells you that vour balance is $500, but you
wrote a check for $50 this morning, your balance is
really $450, because that check has not had time to
be processed and subtracted from your account.
If you have a reserve credit line that transfers
money to your account when your checking balance
is low, a few additional steps will help you keep up
with your account balance. Some banks add money
to your account in $100 installments, and when the
first $100 kicks in, will send you a note that your
credit line is now in use. At that time, simply add
$100 to your checkbook register noting at the same
time that you are now using borrowed money.
Another way of keeping up with a reserve Credit line
balance is to use special checks your bank may have
given you for that purpose. Keep an account balance
using these special checks just as you would your
regular checks, so that you-have a running tab on
how much credit you have used.
Manv people are now opening Individual Retire
ment Accounts at their banks. If you have one, keep
a record of every contribution you make to it Most
banks send each IRA customer a statement usually
quarterly, listing contributionsr ___
Jacque Johnson, a banker for seven years, is a Personal Banker
at Wachovia Bank and Trust Company’s Sugar Creek office In
Charlotte.
For Convenient Home Delivery
Call 3764)496
■ • V - "" ' 1 * ~ ...... S' ■ ’ v
Bennett College Announces
Summer Performing Arts Company
in response to dwindling dollar
support to higher education and '
increased competition for stu
dents, Bennett College recently
eslabiighedaperformingarUcatn
pany to enhance its summer public
relations program,. ..
Co»pooctJ Of young women who
have distinguished themselves in
~ dance, drama and music, the
group was - formed to provide
church leadership with an alterna
tive to traditional worship ser
vices. Through the performing
arts, the company presents “To
Proclaim Liberty to the Captives ”
a living sermon.
—HWe r are, accepting requests
from area churt***-**’’Veriorm,
<wpiamed Miss Myra Davis, public
relations officer. “Our program is
designed for Sunday morning ser
vices of presentations in vacation
Bible schools.”
Under the direction of Kenneth
Wyrtch, the ten members of the
company are employed by the col
WBIV To Sponsor Dlanoe Fwa^ Auxins
-WBTV will sponsor auditions for
the exciting dance-variety show,
“Dance Fever,” which airs Satur
day nights at 7 p.m. on WBTV,'
. Channel 3. Producers of the Cali
fornia-based show will be in Char
lotte on June 10 to audition area
dancing couples. Winners of the
auditions will receive an all
expense paid trip to Hollywood
where they may be chosen to
compete on the “Dance Fever”
show. However, the selected cou
ples are not guaranteed an appear
ance on the program.
Applications to audition may be
obtained at The Dock in Shelby,
N.C., Randy Simmerson’s Uptown
Connection in Salisbury, N.C., P.
' B. Scotts in Blowing Rock, N.C.,
Yesterdays in Hickory, N.C.,
O’Sullivan’s in Rock Hill, S.C., and
2001 in Charlotte. After a series of
The Jeffersons
Helen’s luncheon invitation from
an old beau has a jealous Tom
dreaming up the perfect “Old
West” scheme to fight to keep the
woman he loves, on “The Jeffer
sons,” Sunday, May 16, at 9:30
p.m. on WBTV, Channel 3.
preliminary auditions, tbe final
auditions Will be held at 2001;—
located at 4120 E. Independence
Blvd. in Charlotte, on June 10th.
All styles of dance,, including
jazz, ballet, 40s, 50s and 60s, Latin,
country, cha cha, tango, new way,
ballroom and disco are acceptable.
Participants must be at least 21
years of age. Further rules and
guidelines are listed on the appli
cation.
lege for a ten-week period. The
college provides housing. Part of
the student’s pay is applied
bills ^ *wuuuti.
“During the mominga^ the ftu
dents will be assigned work re
sponsibilities in college adminis
trative offices,” said Miss Davis
“They jyill ^engage in rigorous
rehearsal sessions in the after
noon.”
She explained that the project
provides more visibility for the
college, helps to strengthen rela
tions with community churches,
particularly the United Methodist
churches in the area, and pro
vides professional experience for
~die students.-—
“We also feel that we are pro
viding a service to churches," she
added.
Inquiries to arrange perform
ance dates can be made to the
Office of Information and Public
ations or the Office of Admis
sions for the period June 1
through August 8, Bennett College
273-4431.
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