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Contacting Bank of America FAQs: Chat Online, Email, or Call

In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, the Basel Accords. The content on Money Crashers is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. References to products, offers, and rates from third party sites often change.

It has been a challenge for banks to effectively set their growth strategies with the recent economic market. They provide a range of services such as checking and savings accounts, loan and mortgage services, financing for automobiles, and short-term loans such as overdraft protection. A bank is a financial institution that is licensed to accept checking and savings deposits and make loans.

Please have patience as we review your article and make decisions accordingly. We will try to get back to you as soon as possible, but it may take some time for us to get through all the submissions we receive. Generally, your guest post can be published within 2 business days if we accept your content. The management of the banks’ asset portfolios also remains a challenge in today’s economic environment. Loans are a bank’s primary asset category and when loan quality becomes suspect, the foundation of a bank is shaken to the core. While always an issue for banks, declining asset quality has become a big problem for financial institutions.

Thank you for visiting this page to find out more about contributing to ourBlogwith a guest post. All links in the post should be to relevant and quality websites. If your article is about a strategy, please include specifics on how our readers can implement that strategy.


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It is a tremendous chance for those who wish to share their opinions and expertise with other readers. This is an excellent opportunity for aspiring authors to have their articles published on our blog. We would like to connect excellent authors via guest writing, which we make available to you. The customer debits his or her savings/bank account in his ledger when making a deposit , while the customer credits a credit card account in his ledger every time he spends money . When the customer reads his bank statement, the statement will show a credit to the account for deposits, and debits for withdrawals of funds.

Historically, profitability from lending activities has been cyclical and dependent on the needs and strengths of loan customers and the stage of the economic cycle. Fees and financial advice constitute a more stable revenue stream and banks have therefore placed more emphasis on these revenue lines to smooth their financial performance. Activities undertaken by banks include personal banking, corporate banking, investment banking, private banking, transaction banking, insurance, consumer finance, trade finance and other related.