Onecity Finance
Personal Banking
Savings Accounts:
Savings accounts are basic deposit accounts that allow individuals to store their money securely while earning some interest on the balance. They provide easy access to funds for everyday expenses and emergencies.
Open an accountChecking Accounts:
Checking accounts are used for regular transactions, such as paying bills, making purchases with a debit card, and withdrawing cash from ATMs. These accounts may or may not earn interest, and they often come with checkbooks and online banking access.
Certificates of Deposit (CDs):
CDs are time-deposit accounts with fixed terms. Customers deposit a specific amount of money for a set period, typically ranging from a few months to several years. In return, they receive a higher interest rate compared to regular savings accounts.
Personal Loans:
Personal loans are unsecured loans provided to individuals to meet various financial needs like debt consolidation, home improvements, or unexpected expenses. Borrowers receive a lump sum amount and repay it with interest over a fixed period.
apply for a LoanCredit Cards:
Credit cards allow individuals to make purchases on credit up to a pre-approved limit. Cardholders must repay the borrowed amount along with interest and fees on a monthly basis. Credit cards offer convenience and rewards but require responsible usage to avoid debt.
apply nowMortgages:
Mortgages are loans used to finance the purchase of real estate properties, such as homes. They typically have longer terms and lower interest rates compared to other types of loans.
apply nowOnline and Mobile Banking:
Onecity Finance offer online and mobile banking services, allowing customers to access their accounts, make transactions, pay bills, and manage finances conveniently from their computers or mobile devices.
ATMs (Automated Teller Machines):
ATMs are self-service machines that allow customers to withdraw cash, check account balances, and perform other basic banking functions 24/7.
apply nowOverdraft Protection:
Some banks offer overdraft protection services to prevent customers from overdrawing their accounts. This service may automatically transfer funds from a linked account or a credit line to cover the shortage.
Financial Planning and Investment Services:
Some banks provide financial planning and investment advisory services to help customers with retirement planning, wealth management, and investment strategies.
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