Financial institutions work with various financial services, precisely so that you can please and meet your request, as a customer. In many of these financial services, the client sees some benefits, mainly because of the need at the moment, but also because they really prove advantageous in a broader view.
But it turns out that, for certain types of financial services, you need to be more careful, as they can present many pitfalls, which in the future, will make you regret having hired them.
So that you don't get too scared with the financial services provided by financial institutions, we decided to talk about some of them, so that you are careful when hiring them, because no one wants to go through a scare in the future and we don't want you to have surprises. negative about it.
So, look at the financial services we list here and see the precautions you should take.
Understand more about financial services
Checking account
An instrument made available by companies to be able to move their financial resources at bank branches, through deposits and withdrawals, using check books, credit cards or the internet.
It has the same way of functioning for both legal entities and individuals.
Being one of the most used financial services by people, the current account requires certain care, especially with bank fees. Because of this, the entrepreneur needs to look for information in several financial institutions before opening a checking account.
You need to check the value of service package fees charged and choose the financial institution that best meets your needs.
Another important point to be careful about is issuing bad checks. Once the current account is used, the entrepreneur is required to have greater control over the amounts that are moved, so that the issuance of bad checks is avoided, as these occurrences testify against the customer and make their relationship negatively weigh with the bank.
Check custody
Another financial service that is well used by customers, check custody is a service provided by the financial institution to store post-dated checks received by companies.
Checks are only cleared on the date they were scheduled and the amount is credited directly to the companies' current account.
The care that must be taken with this financial service is the increase in bank expenses, where the total volume of fees charged for the custody of checks in banks can be high, even more so if you consider the amount of post-dated checks that the company receives. and guard.
Another important care is the cost of reversing the custody operation, because if the customer requests the check to be redeemed from the bank before the deadline, there will be an additional charge, another fee.
Basket of financial products for employees
This tool is a possibility for employees of a company to use the bank's services and products, such as credit and debit cards, payroll loans, savings accounts, and to move their checking accounts, among others.
It is necessary to be careful with this financial service because, in a lack of financial control of the employees, problems of financial imbalance can occur, which can directly impact their productivity.
Automatic Debit
One of the financial services that most benefit bank customers, automatic debit is an authorization given to banks by customers to debit their checking account, referring to expenses with automated maturities.
For this type of financial service, care must be taken and a greater need to control your checking account. Automatic debit will only happen if you have a sufficient balance in your checking account, requiring greater control to confirm the effectiveness of your commitments. It is important that you certify that the debit was actually carried out so that you avoid the suspension of services.
Financing
Financing is credit services for financing an investment project for renovations, system implementations, acquisition of machinery, equipment and vehicles, own home, land.
For financing, care must be taken, especially so that it is not seen as a solution to financial management problems.
Its main objective is to help increase your performance, or equity, depending on the point of view, so that it can provide resources for you to be able to better take advantage of the opportunities that arise, whether in the form of investment, increasing your equity.
With this in mind, the client must adopt strict financial controls so that the credit is requested in the right measure, so that it can be possible to have a higher income than the financial expense that was generated by this credit operation.
These are some of the financial services and the respective precautions you should take if you want to hire any of them.
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