PERQS
Learning Center

All Articles

Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Banking Made Easy: Understanding Common Financial Terms

Understanding basic banking and finance — and the terminology people use to talk about them — can make a big difference in your bank account...

Article 5 min
Read

Banking Terms Made Simple: A Beginner’s Glossary

Understanding banking terminology can help you make more informed financial decisions. From acronyms like ACH and APY to terms such as overd...

Article 5 min
Read

Bank Overdraft Fees Explained: How They Work and How to Avoid Them

Understanding bank overdraft fees and laws is crucial for managing your finances effectively. Overdraft laws dictate when banks can charge f...

Article 5 min
Read

Bank, Retailer, or ATM? The Best Ways to Cash a Check

Cashing or depositing a check is a straightforward process whether you have a bank account or not. You can use a bank, ATM, mobile app, or a...

Article 5 min
Read

Bankruptcy Basics: When Chapter 7 Makes Sense and When Chapter 13 Wins

This guide explains the practical differences between Chapter 7 and Chapter 13 bankruptcy for individuals. Chapter 7 is typically the faster...

Article 5 min
Read

Bankruptcy Refiling Rules: Wait Times, Exceptions, and Next Steps

You can file bankruptcy more than once, but the law imposes waiting periods between filings that depend on which chapter you filed before, w...

Article 5 min
Read

Bank Sign-Up Bonuses: What to Know Before You Apply

Opening a new bank account can be more rewarding than you might think — quite literally. Many banks are offering sign-up bonuses, often arou...

Article 5 min
Read

Basic Bank Features Everyone Should Expect

In today’s competitive banking landscape, consumers can afford to expect more from their financial institutions. Whether you’re banking with...

Article 5 min
Read

Benefits of Using a Nondeductible IRA for Retirement

A nondeductible IRA is a traditional IRA where contributions aren’t tax-deductible, but investment growth is tax-deferred. High earners ofte...

Article 5 min
Read