Individual

Pasos para tener y mantener un buen puntaje crediticio. Descubra los aspectos que favorecen y que dañan su puntaje crediticio.

For newlyweds, the first big financial decisions go beyond how to pay for the honeymoon and how to invest all those checks. They also involve starting a new household on solid ground financially. "Financial incompatibility is a primary reason for a significant number of failed marriages," said Lee Bowman, National Coordinator for Community Affairs. "Achieving harmony regarding financial matters before marriage, or as early in the marriage as possible, is critical to sustaining the relationship and preventing conflicts."

If you are an employee, the Withholding Calculator can help you determine whether you need to give your employer a new Form W-4, Employee's Withholding Allowance Certificate to avoid having too much or too little Federal income tax withheld from your pay. You can use your results from the calculator to help fill out the form.

"my Social Security," is a new online service that provides individuals quick access to their personal Social Security information. The site enables working individuals to obtain their earnings record and see estimates of future retirement, disability, and survivor benefits. It also enables people, who already receive Social Security benefits to get a benefit verification letter, check benefit payment information, change their address or phone number, and start or change direct deposit information online. Check it out!

This FDIC brochure provides information and advice on overdraft fees.

This article featured in the Winter 2011/2012 edition of FDIC Consumer News provides information about what to do if you have been turned down for opening a checking account or the bank has closed your account and the importance of understanding reasons why.

This edition of FDIC Consumer News focuses on small businesses. They are crucial to the U.S. economy and they're very important to the entrepreneurs who put their own money and long hours into operating and growing a company. If you're a small business owner – or you want to be – read our tips on ways to handle your business' finances, including getting loans, paying for everyday expenses, understanding your rights and responsibilities, and guarding against fraud.

Estimate Your Social Security Retirement Benefits Online. The Retirement Estimator is tied to a person’s actual Social Security earnings records and eliminates the need to manually key in years of earnings information.

Determine how long it will take to pay off your debt based on different monthly payment scenarios.

Use savings bonds to plan for your financial future.