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Q: So I can finally get my own bank account?

A: Yes, and the choice of checking and savings accounts may be numerous. Learn the rules and restrictions for the account and the bank you choose.


Q: What are some things to consider before opening up a bank account:


  • Is there a minimum balance on the account?
  • Is there interest that can be earned on this account?
  • Is there a monthly service charge?
  • Are there special services offered like bill pay, online banking, etc?
  • Is there a fee for use of the Automated Teller Machine (ATM)?  


Q: Is banking on my phone secure?

A: There are extra steps that you can take to protect yourself when using a banking app, like using a strong password, not using public Wi-Fi hotspots and not storing your login information on your device.


Q: What happens when a check bounces?

A: Bouncing a check can be either a civil or criminal matter.A person commits “issuing a bad check” if the person writes a check knowing that there are not sufficient funds on deposit for the payment of the check. (A.R.S §13-1807 and A.R.S §12-671).


Q: What happens if I have an issue with the bank?

A: If you feel like your bank is doing something wrong you may want to contact the Consumer Financial Protection Bureau at


Laws may have changed since the last time this article was updated.  The current and most up-to-date laws can be accessed here.