{"id":3473,"date":"2016-05-03T09:21:29","date_gmt":"2016-05-03T17:21:29","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3473"},"modified":"2016-04-29T17:04:20","modified_gmt":"2016-04-30T01:04:20","slug":"expenseive_checking","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/expenseive_checking\/","title":{"rendered":"\u9ad8\u304f\u3064\u304f\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\u306e\u306f\u306a\u3057"},"content":{"rendered":"

\u9280\u884c\u306b\u304a\u91d1\u3092\u9810\u3051\u3066\u5229\u5b50\u3092\u7a3c\u3050\u6642\u4ee3\u306f\u7d42\u308f\u3063\u305f\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u4eca\u306f\u3001\u9280\u884c\u306b\u304a\u91d1\u3092\u6255\u3063\u3066\u304a\u91d1\u3092\u9810\u304b\u3063\u3066\u3082\u3089\u3046\u6642\u4ee3\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u30a2\u30ab\u30a6\u30f3\u30c8\u306e\u5c11\u984d\u53e3\u5ea7\u3067\u306fNon-Interest Bearing\u3068\u3044\u3063\u3066\u5229\u5b50\u3092\u5168\u304f\u751f\u307e\u306a\u3044\u53e3\u5ea7\u3082\u5c11\u306a\u304f\u3042\u308a\u307e\u305b\u3093\u3002\u591a\u5c11\u9810\u91d1\u9ad8\u304c\u5927\u304d\u304f\u306a\u308aInterest Bearing\u306e\u53e3\u5ea7\u306b\u306a\u3063\u3066\u30820.01\uff05\u306a\u3069\u3068\u3044\u3046\u5177\u5408\u3002\u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30af\u3067High Yield Account\u3068\u9298\u6253\u305f\u308c\u308b\u3088\u3046\u306a\u53e3\u5ea7\u3067\u3082\u3001\u4f4e\u91d1\u5229\u6642\u4ee3\u306e\u4eca\u3067\u306f\u5229\u5b50\u306f1.00\uff05\u307b\u3069\u3002\u3053\u308c\u306b\u6bd4\u3079\u3001\u9280\u884c\u304c\u9867\u5ba2\u306b\u8ab2\u3059\u624b\u6570\u6599\u306f\u975e\u5e38\u306b\u9ad8\u984d\u3067\u3059\u3002ATM\u306e\u5229\u7528\u6599\u306f\u4e00\u56de\u306b\u3064\u304d$4\u3001\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u624b\u6570\u6599\u306f1\u56de\u3067$35\u3068\u3044\u3046\u5177\u5408\u3002\u6d88\u8cbb\u8005\u306f\u3001\u5229\u5b50\u304c\u5c11\u306a\u3044\u3053\u3068\u3092\u6182\u3046\u3060\u3051\u3067\u306a\u304f\u3001\u7121\u99c4\u306a\u624b\u6570\u6599\u3092\u6255\u3044\u3059\u304e\u3066\u3044\u306a\u3044\u304b\u3092\u304d\u3061\u3093\u3068\u541f\u5473\u3057\u306a\u3044\u3068\u3001\u300c\u9280\u884c\u306b\u304a\u91d1\u3092\u9810\u304b\u3063\u3066\u3082\u3089\u3046\u3053\u3068\u3067\u3001\u975e\u5e38\u306a\u7121\u99c4\u9063\u3044\u3092\u3057\u3066\u3044\u308b\u300d\u3068\u3044\u3046\u72b6\u614b\u306b\u3082\u9665\u308a\u304b\u306d\u306a\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u624b\u6570\u6599\u3067\u5132\u3051\u308b\u9280\u884c<\/h2>\n

2014\u5e74\u306b\u30a2\u30e1\u30ea\u30ab\u306e\u4e09\u5927\u9280\u884c\u3001JP Morgan Chase\u3001Bank of America\u3001Wells Fargo\u304c\u3001ATM\u624b\u6570\u6599\u3068\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u624b\u6570\u6599\u3067\u7a3c\u3044\u3060\u7dcf\u984d\u306f\u306a\u3093\u3068$\uff16\u30d3\u30ea\u30aa\u30f3\u3060\u305d\u3046\u3067\u3059\u3002\u3053\u308c\u306f\u30a2\u30e1\u30ea\u30ab\u306b\u4f4f\u3080\u6210\u4eba\u306e\u3072\u3068\u308a\u306b\u3064\u304d\u5e73\u5747$25\u3068\u3044\u3046\u6570\u5b57\u3067\u3059\u3002WalletHub\u306e35\u5927\u9280\u884c\u5bfe\u8c61\u306e\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001\u5e73\u5747\u7684\u306a\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u30a2\u30ab\u30a6\u30f3\u30c8\u306f25\u7a2e\u985e\u306e\u624b\u6570\u6599\u3092\u8ab2\u3057\u3066\u3044\u308b\u3068\u306e\u3053\u3068\u3002<\/p>\n

\u624b\u6570\u6599\u306b\u306f\u3044\u308d\u3044\u308d\u3042\u308a\u307e\u3059\u304c\u3001\u305f\u3068\u3048\u3070\u4ee3\u8868\u7684\u306a\u3082\u306e\u306fmonthly maintenance fee\u3001overdraft fees\u3001 online bill pay fees\u3001returned check fees\u3001wire transfers\u3001cashier’s checks fee,\u3000money orders fee, statements \u3092\u90f5\u9001\u3057\u3066\u3082\u3089\u3046fee, \u6614\u306estatement\u306b\u30aa\u30f3\u30e9\u30a4\u30f3\u30a2\u30af\u30bb\u30b9\u3059\u308bfee\u3001 Quicken\u306a\u3069\u306b\u8ca1\u52d9\u60c5\u5831\u3092\u8aad\u307f\u8fbc\u3080fee, dormant account fees \u3001bad address fees\u306a\u3069\u306a\u3069\u3002<\/p>\n

\u3042\u308a\u3068\u3042\u3089\u3086\u308b\u624b\u6570\u6599\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u308f\u308a\u306b\u306f\u3001\u53e3\u5ea7\u3092\u958b\u304f\u3068\u304d\u306b\u306f\u3069\u306e\u3088\u3046\u306a\u624b\u6570\u6599\u304c\u3042\u308b\u306e\u304b\u304c\u308f\u304b\u308a\u3084\u3059\u304f\u63d0\u793a\u3055\u308c\u3066\u3044\u306a\u304b\u3063\u305f\u308a\u3001\u3042\u308b\u3044\u306f\u4ed6\u306e\u91d1\u878d\u6a5f\u95a2\u3068\u6bd4\u8f03\u3059\u308b\u306e\u3082\u975e\u5e38\u306b\u56f0\u96e3\u3067\u3042\u3063\u305f\u308a\u3057\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u624b\u6570\u6599\u304c\u3082\u3063\u3068\u3082\u5132\u304b\u308b\uff1f<\/h2>\n

\u6570\u3042\u308b\u624b\u6570\u6599\u306e\u4e2d\u3067\u3082\u9280\u884c\u306b\u3068\u3063\u3066\u3082\u3063\u3068\u3082\u304a\u3044\u3057\u3044\u5229\u30b6\u30e4\u306f\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u624b\u6570\u6599\u3060\u305d\u3046\u3067\u3059\u3002\u3053\u308c\u306fATM\u306a\u3069\u3067\u304a\u91d1\u3092\u5f15\u304d\u51fa\u3057\u305f\u7d50\u679c\u3001\u53e3\u5ea7\u5185\u306e\u9810\u91d1\u304c\u30bc\u30ed\u4ee5\u4e0b\u306b\u306a\u3063\u305f\u5834\u5408\u306b\u3001\u30c1\u30e3\u30fc\u30b8\u3055\u308c\u308b\u624b\u6570\u6599\u3067\u3059\u3002\u5b9f\u306f\u3001\u30bc\u30ed\u306b\u306a\u3063\u305f\u3089\u5f15\u304d\u51fa\u3057\u4e0d\u53ef\u3067\u3042\u308c\u3070\u3001\u3053\u306e\u624b\u6570\u6599\u306f\u304b\u304b\u3089\u306a\u3044\u306e\u3067\u3059\u304c\u3001\u30bc\u30ed\u306b\u306a\u3063\u3066\u3082\u5f15\u304d\u51fa\u3057\u304c\u53ef\u80fd\u3067\u3042\u308b\u3088\u3046\u306b\u201copt in\u201d\uff08\u30b5\u30fc\u30d3\u30b9\u9078\u629e\uff09\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u53e3\u5ea7\u958b\u8a2d\u306e\u969b\u306b\u306f\u3001\u30c7\u30d5\u30a9\u30eb\u30c8\u3067\u201copt in\u201d\u3057\u3066\u3044\u308b\u5834\u5408\u304c\u591a\u304f\u3001\u77e5\u3089\u305a\u77e5\u3089\u305a\u306e\u3046\u3061\u306b\u3053\u306e\u201c\u30b5\u30fc\u30d3\u30b9\u201d\u3092\u4f7f\u3063\u3066\u304a\u308a\u3001\u7d50\u679c\u3068\u3057\u3066\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u624b\u6570\u6599\u304c\u8ab2\u305b\u3089\u308c\u305f\u3068\u3044\u3046\u3053\u3068\u3082\u5c11\u306a\u304f\u3042\u308a\u307e\u305b\u3093\u3002\u5b9f\u969b\u30012014\u5e74\u306ePew\u793e\u306e\u8abf\u67fb\u3067\u306f\u3001\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u3092\u3057\u3066\u3057\u307e\u3063\u305f\u6d88\u8cbb\u8005\u306e\u3046\u3061\u534a\u6570\u4ee5\u4e0a\u304c\u3001\u3053\u306e\u30b5\u30fc\u30d3\u30b9\u306b\u201dopt in\u201d\u3057\u3066\u3044\u305f\u3068\u3044\u3046\u610f\u8b58\u304c\u306a\u304b\u3063\u305f\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u3068\u304f\u306b\u3001\u3053\u306e\u30b5\u30fc\u30d3\u30b9\u306b\u201dopt in\u201d\u3057\u3066\u3044\u308b\u3046\u3048\u3001\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u4f7f\u3063\u3066\u3044\u308b\u4eba\u306f\u8981\u6ce8\u610f\u3067\u3059\u3002\u53e3\u5ea7\u306e\u6b8b\u9ad8\u304c\u5341\u5206\u3067\u306a\u3044\u306e\u306b\u3001\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u8cb7\u3044\u7269\u3092\u7d9a\u3051\u308b\u3068\u3001\u5ea6\u91cd\u306a\u308b\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u624b\u6570\u6599\u304c\u8ab2\u305b\u3089\u308c\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u5e73\u5747\u7684\u306a\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u624b\u6570\u6599\u306f$34\u3060\u305d\u3046\u3067\u3059\u304c\u3001\u4e00\u65b9\u3067\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u306e\u539f\u56e0\u3068\u306a\u3063\u305f\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u306a\u3069\u306e\u5229\u7528\u984d\u30fb\u5f15\u304d\u51fa\u3057\u984d\u306e\u5e73\u5747\u306f$24\u3068\u306e\u3053\u3068\u3067\u3059\u3002$24\u306e\u8cb7\u3044\u7269\u3092\u3059\u308b\u306e\u306b\u3001$34\u306e\u624b\u6570\u6599\u3092\u6255\u3046\u3053\u3068\u306e\u3070\u304b\u3089\u3057\u3055\u306f\u3001\u3042\u3089\u3081\u3066\u66f8\u304f\u307e\u3067\u3082\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n

\u6cd5\u5f8b\u3067\u3001\u3053\u306e\u30b5\u30fc\u30d3\u30b9\u304b\u3089\u201dopt out\u201d(\u30b5\u30fc\u30d3\u30b9\u505c\u6b62\u9078\u629e)\u3059\u308b\u3053\u3068\u306f\u3044\u3064\u3067\u3082\u53ef\u80fd\u3067\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u898f\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u304b\u3089\u3001\u6d88\u8cbb\u8005\u306f\u5fc5\u8981\u3067\u306a\u3044\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u306f\u53d7\u3051\u306a\u3044\u3088\u3046\u306b\u3067\u304d\u307e\u3059\u3002\u3053\u308c\u3092\u77e5\u3063\u3066\u3044\u308b\u304b\u77e5\u3063\u3066\u3044\u306a\u3044\u304b\u3067\u3001\u7121\u99c4\u306a\u624b\u6570\u6599\u304c\u7701\u3051\u308b\u304b\u7701\u3051\u306a\u3044\u304b\u306e\u5dee\u3068\u306a\u308a\u307e\u3059\u304b\u3089\u3001\u81ea\u5206\u306e\u53e3\u5ea7\u306e\u6761\u4ef6\u306b\u3064\u3044\u3066\u306efine print\u306f\u3057\u3063\u304b\u308a\u8aad\u3080\u3079\u304d\u3067\u3059\u3002\u3082\u3061\u308d\u3093\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u3092\u53d7\u3051\u306a\u3044\u3088\u3046\u306b\u3057\u3066\u304a\u3044\u3066\u3001\u6b8b\u9ad8\u4e0d\u8db3\u3092\u77e5\u3089\u305a\u306b\u30c1\u30a7\u30c3\u30af\u3092\u66f8\u3051\u3070\u3001Bad check\u3068\u3057\u3066\u652f\u6255\u3044\u62d2\u5426\u304c\u3055\u308c\u3001\u3053\u308c\u306f\u3053\u308c\u3067\u30c1\u30a7\u30c3\u30af\u3092\u66f8\u3044\u305f\u76f8\u624b\u304b\u3089\u30da\u30ca\u30eb\u30c6\u30a3\u3092\u8ab2\u305b\u3089\u308c\u307e\u3059\u304b\u3089\u3001\u3044\u305a\u308c\u306b\u305b\u3088\u53e3\u5ea7\u306b\u306f\u3042\u308b\u7a0b\u5ea6\u306e\u6b8b\u9ad8\u3092\u78ba\u4fdd\u3059\u308b\u3053\u3068\u3001\u8cac\u4efb\u3042\u308b\u304a\u91d1\u306e\u904b\u7528\u3092\u3059\u308b\u3053\u3068\u306f\u8a00\u3046\u307e\u3067\u3082\u306a\u304f\u5927\u5207\u3067\u3059\u3002<\/p>\n

 <\/p>\n

\u304a\u91d1\u304c\u306a\u3044\u4eba\u307b\u3069\u3072\u3069\u3044\u76ee\u306b<\/h2>\n

WalletHub\u304c\u3001\u00a0\u30bf\u30a4\u30d7\u5225\u3001\u624b\u6570\u6599\u306e\u304b\u304b\u308a\u65b9\u3092\u8a66\u7b97\u3057\u305f\u30ec\u30dd\u30fc\u30c8<\/a>\u304c\u3042\u308a\u307e\u3059\u3002\u53e3\u5ea7\u4fdd\u6301\u8005\u3092\uff15\u30bf\u30a4\u30d7\u306b\u5206\u3051\u3001\u4e00\u5e74\u9593\u3067\u3069\u306e\u304f\u3089\u3044\u306e\u624b\u6570\u6599\u3092\u652f\u6255\u3046\u3053\u3068\u306b\u306a\u308b\u304b\u3092\u8a66\u7b97\u3057\u305f\u3082\u306e\u3067\u3059\u3002\u3053\u306e\u3046\u3061\u6700\u3082\u9ad8\u984d\u306e\u624b\u6570\u6599\u3092\u652f\u6255\u3046\u30bf\u30a4\u30d7\u306f\u3001Cash Strapped\u3068\u547c\u3070\u308c\u308b\u304a\u91d1\u306e\u4f59\u88d5\u306e\u306a\u3044\u30bb\u30b0\u30e1\u30f3\u30c8\u3067\u3057\u305f\u3002\u3053\u306e\u30bf\u30a4\u30d7\u306f\u7d66\u6599\u304b\u3089\u7d66\u6599\u307e\u3067\u306e\u9593\u3092\u81ea\u8ee2\u8eca\u64cd\u696d\u7684\u306b\u3064\u306a\u3050\u30bf\u30a4\u30d7\u3067\u3042\u308a\u3001\u30bb\u30fc\u30d3\u30f3\u30b0\u53e3\u5ea7\u306f\u306a\u3044\u304b\u3001\u3042\u3063\u3066\u3082\u6b8b\u9ad8\u306f\u307b\u3068\u3093\u3069\u306a\u304f\u3001\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\u306e\u73fe\u91d1\u304c\u306a\u304f\u306a\u308c\u3070\u3001\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u3092\u4f7f\u3063\u3066\u6b8b\u9ad8\u304c\u30bc\u30ed\u4ee5\u4e0b\u306b\u306a\u308b\u3053\u3068\u3082\u3084\u3080\u3092\u3048\u305a\u3001\u6b21\u306e\u7d66\u6599\u3092\u5f85\u3064\u3068\u3044\u3046\u3088\u3046\u306a\u4eba\u305f\u3061\u3067\u3059\u3002\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u4f7f\u7528\u983b\u5ea6\u3082\u9ad8\u304f\u3001\u73fe\u91d1\u304c\u5fc5\u8981\u306a\u3068\u304d\u306b\u306f\u4ed6\u9280\u884c\u306eATM\u304b\u3089\u5f15\u304d\u3060\u3059\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n

WalletHub\u306e\u8a66\u7b97\u3067\u306f\u3001\u3053\u306e\u3088\u3046\u306a\u30bf\u30a4\u30d7\u306f\u5e74\u9593$470\u3082\u306e\u624b\u6570\u6599\u3092\u6255\u3046\u3053\u3068\u306b\u306a\u308b\u3060\u308d\u3046\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u00a0\u304a\u91d1\u304c\u306a\u3044\u307b\u3069\u3001\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u3084\u6b8b\u9ad8\u4e0d\u8db3\u306e\u305f\u3081\u306e\u624b\u6570\u6599\u304c\u304b\u3055\u3080\u305f\u3081\u3067\u3059\u3002\u672c\u5f53\u306f\u304a\u91d1\u304c\u4e00\u756a\u5fc5\u8981\u306a\u4eba\u304c\u3069\u3093\u3069\u3093\u624b\u6570\u6599\u3092\u3068\u3089\u308c\u308b\u3068\u3044\u3046\u3053\u306e\u60aa\u5faa\u74b0\u3002\u304a\u91d1\u306e\u8cac\u4efb\u3092\u3082\u3063\u305f\u4f7f\u3044\u65b9\u3092\u3057\u3066\u3044\u306a\u3044\u3068\u3001\u304a\u91d1\u306f\u3069\u3093\u3069\u3093\u306a\u304f\u306a\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u4ee5\u4e0b\u306b\u3001\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\u3067\u304a\u91d1\u3092\u5931\u308f\u306a\u3044\u305f\u3081\u306b\u6ce8\u610f\u3067\u304d\u308b\u3053\u3068\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

\u9280\u884c\u3069\u3053\u3082\u540c\u3058\u3001\u53e3\u5ea7\u3082\u3069\u308c\u3082\u540c\u3058\u3068\u601d\u308f\u306a\u3044<\/h2>\n

\u624b\u6570\u6599\u306e\u3057\u304f\u307f\u3084\u30c1\u30e3\u30fc\u30b8\u306e\u3055\u308c\u304b\u305f\u306a\u3069\u3001\u9280\u884c\u3042\u308b\u3044\u306f\u53e3\u5ea7\u306b\u3088\u3063\u3066\u5927\u304d\u306a\u30d0\u30ea\u30a8\u30fc\u30b7\u30e7\u30f3\u304c\u3042\u308a\u307e\u3059\u3002\u81ea\u5206\u306f\u3044\u304f\u3089\u53e3\u5ea7\u306b\u30ad\u30fc\u30d7\u3067\u304d\u308b\u306e\u304b\uff08\u6b8b\u9ad8\uff09\u3001ATM\u306f\u3069\u306e\u304f\u3089\u3044\u4f7f\u3046\u304b\u3001\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u5229\u7528\u304c\u4e3b\u304b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u5229\u7528\u304c\u4e3b\u304b\u3001\u30c1\u30a7\u30c3\u30af\u306f\u3069\u306e\u304f\u3089\u3044\u66f8\u304f\u304b\u3001\u7d66\u4e0e\u632f\u308a\u8fbc\u307f\u306a\u3069\u306b\u4f7f\u3046\u304b\u3001\u7a93\u53e3\u306b\u3044\u304f\u3053\u3068\u306f\u3042\u308b\u304b\u306a\u3069\u306a\u3069\u3001\u81ea\u5206\u306e\u5229\u7528\u30d1\u30bf\u30fc\u30f3\u3092\u8003\u5bdf\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u305d\u308c\u305e\u308c\u306e\u53e3\u5ea7\u306e\u624b\u6570\u6599\u306e\u3057\u304f\u307f\uff08fineprint\u3082\u542b\u3081\u3066\uff09\u3092\u3088\u304f\u541f\u5473\u3059\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002\u9762\u5012\u3067\u3059\u304c\u3001\u4e00\u5ea6\u3084\u308c\u3070\u3044\u3044\u3053\u3068\u306a\u306e\u3067\u304c\u3093\u3070\u308a\u307e\u3057\u3087\u3046\u3002<\/p>\n

No-fee \u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\u3092\u9078\u3076<\/h2>\n

\u305d\u3082\u305d\u3082No-fee\u53e3\u5ea7\u3092\u9078\u3076\u3053\u3068\u3002\u3053\u306e\u305f\u3081\u306b\u306f\u3001\u3042\u308b\u7a0b\u5ea6\u306e\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u3092\u3044\u308c\u308b\u3053\u3068\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u30b9\u30c6\u30a4\u30c8\u30e1\u30f3\u30c8\u3092\u9078\u629e\uff08\u30da\u30fc\u30d1\u30fc\u30b9\u30c6\u30a4\u30c8\u30e1\u30f3\u30c8\u306b\u5bfe\u3057\uff09\u3059\u308b\u3053\u3068\u3001\u7d66\u4e0e\u306e\u81ea\u52d5\u632f\u308a\u8fbc\u307f\u3092\u624b\u7d9a\u304d\u3059\u308b\u3053\u3068\u306a\u3069\u6761\u4ef6\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u306a\u3044\u304c\u3001fine print\u3092\u304d\u3061\u3093\u3068\u8aad\u307f\u3001\u624b\u6570\u6599\u3092\u56de\u907f\u3059\u308b\u7b56\u3092\u8b1b\u3058\u307e\u3057\u3087\u3046\u3002<\/p>\n

\u7279\u5b9a\u30bf\u30fc\u30b2\u30c3\u30c8\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u63a2\u3059<\/h2>\n

\u5b66\u751f\u30a2\u30ab\u30a6\u30f3\u30c8\u3001\u3042\u308b\u3044\u306f50\u6b73\u4ee5\u4e0a\u306e\u30b7\u30cb\u30a2\u30a2\u30ab\u30a6\u30f3\u30c8\u306a\u3069\u3001\u9280\u884c\u306b\u3088\u3063\u3066\u306f\u7279\u5b9a\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u5c64\u306b\u5bfe\u3057\u3066\u7121\u6599\u3042\u308b\u3044\u306f\u4f4e\u30b3\u30b9\u30c8\u306e\u53e3\u5ea7\u3092\u7528\u610f\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u81ea\u8ee2\u8eca\u64cd\u696d\u3092\u3057\u306a\u3044<\/h2>\n

\u9280\u884c\u3092\u304a\u8ca1\u5e03\u4ee3\u308f\u308a\u306b\u4f7f\u3063\u3066\u3001\u5165\u308c\u305f\u304a\u91d1\u306f\u3059\u3050\u4f7f\u3046\u3001\u3042\u308b\u3044\u306f\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u6b8b\u9ad8\u30bc\u30ed\u4ee5\u4e0b\u3082\u3044\u305f\u3057\u304b\u305f\u306a\u3044\u3068\u3044\u3046\u3088\u3046\u306a\u4f7f\u3044\u65b9\u3092\u3057\u306a\u3044\u3053\u3068\u3002\u3042\u308b\u7a0b\u5ea6\u306e\u984d\uff08\u3067\u304d\u308c\u3070\u3001\u6708\u3005\u306e\u751f\u6d3b\u8cbb\u306e3\u30f5\u6708\u304b\u30896\u304b\u6708\u5206\u304f\u3089\u3044\u306e\u30a8\u30de\u30fc\u30b8\u30a7\u30f3\u30b7\u30fc\u30d5\u30a1\u30f3\u30c9\uff09\u3092\u3001\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\u3068\u30bb\u30fc\u30d3\u30f3\u30b0\u53e3\u5ea7\u306b\u84c4\u3048\u3001\u30af\u30c3\u30b7\u30e7\u30f3\u306e\u3042\u308b\u4f7f\u3044\u65b9\u3092\u3059\u308b\u3053\u3068\u3067\u3001\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u3084\u6b8b\u9ad8\u4e0d\u8db3\u306e\u305f\u3081\u306e\u624b\u6570\u6599\u3092\u306a\u304f\u3059\u3002<\/p>\n

\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u6a5f\u80fd\u3092opt out\u3059\u308b<\/h2>\n

\u30c7\u30d5\u30a9\u30eb\u30c8\u306f\u81ea\u52d5\u7684\u306b\u6a5f\u80fd\u304cout in\u3055\u308c\u308b\u3053\u3068\u304c\u591a\u3044\u306e\u3067\u3001\u3042\u3048\u3066\u3053\u308c\u3092opt out\u3059\u308b\u3053\u3068\u304c\u5fc5\u8981\u3002\u6b8b\u9ad8\u304c\u5341\u5206\u3067\u306a\u3044\u5834\u5408\u3001\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u4f7f\u3063\u305f\u308aAMT\u3067\u5f15\u304d\u51fa\u3057\u3092\u3057\u3088\u3046\u3068\u3059\u308b\u3068\u3001\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u304c\u62d2\u5426\u3055\u308c\u308b\u306e\u3067\u3001\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u624b\u6570\u6599\u306f\u56de\u907f\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u53e3\u5ea7\u30b9\u30c6\u30a4\u30c8\u30e1\u30f3\u30c8\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b<\/h2>\n

\u30b9\u30c6\u30a4\u30c8\u30e1\u30f3\u30c8\u3092\u6bce\u6708\u30c1\u30a7\u30c3\u30af\u3057\u3066\u3001\u9593\u9055\u3063\u305f\u30a8\u30f3\u30c8\u30ea\u30fc\u304c\u306a\u3044\u304b\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b\u3053\u3068\u306f\u3082\u3061\u308d\u3093\u306e\u3053\u3068\u3001\u601d\u308f\u306c\u624b\u6570\u6599\u304c\u304b\u304b\u3063\u3066\u3044\u306a\u3044\u304b\u3092\u30c1\u30a7\u30c3\u30af\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n

\u30a2\u30e9\u30fc\u30c8\u901a\u77e5\u306b\u30b5\u30a4\u30f3\u30a2\u30c3\u30d7\u3059\u308b<\/h2>\n

\u53e3\u5ea7\u5185\u306e\u6b8b\u9ad8\u304c\u4e00\u5b9a\u4ee5\u4e0b\u306b\u306a\u3063\u305f\u3068\u304d\u3001\u30e1\u30fc\u30eb\u3084\u30c6\u30ad\u30b9\u30c8\u3067\u901a\u77e5\u3057\u3066\u304f\u308c\u308b\u30b5\u30fc\u30d3\u30b9\u3092\u4f7f\u3044\u3001\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u3092\u3057\u306a\u3044\u3067\u3084\u308a\u304f\u308a\u3092\u3059\u308b\u65b9\u6cd5\u3092\u8003\u3048\u308b\u3002<\/p>\n

\u81ea\u9280\u884c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306eATM\u4ee5\u5916\u306f\u4f7f\u308f\u306a\u3044<\/h2>\n

\u81ea\u5206\u306b\u9280\u884c\u3042\u308b\u3044\u306f\u3001\u305d\u306e\u9280\u884c\u306e\u5c5e\u3057\u3066\u3044\u308b\u9280\u884c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u4ee5\u5916\u306eATM\u306f\u4f7f\u308f\u306a\u3044\u3002\u8a08\u753b\u7684\u306b\u5f15\u304d\u51fa\u3057\u3066\u8a08\u753b\u7684\u306b\u4f7f\u3046\u3053\u3068\u3067\u3001\u6025\u306a\uff08\u6642\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u306e\uff09ATM\u304b\u3089\u5f15\u304d\u51fa\u3057\u3092\u306a\u304f\u3059\u3002\u3069\u3046\u3057\u3066\u3082\u5fc5\u8981\u306a\u5834\u5408\u3001\u30b9\u30fc\u30d1\u30fc\u306a\u3069\u3067\u8cb7\u3044\u7269\u6642\u306e\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u3092\u5229\u7528\u3059\u308b\u3002<\/p>\n

\u30cd\u30b4\u30b7\u30a8\u30fc\u30b7\u30e7\u30f3\u3082\u6280\u306e\u3046\u3061<\/h2>\n

\u3044\u3064\u3082\u4f7f\u3048\u308b\u624b\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u624b\u6570\u6599\u306e\u3057\u304f\u307f\u304c\u308f\u304b\u3089\u305a\u3064\u3044\u3046\u3063\u304b\u308a\u624b\u6570\u6599\u304c\u767a\u751f\u3057\u3066\u3057\u307e\u3063\u305f\u30fb\u30fb\u3068\u3044\u3046\u5834\u5408\u306b\u306f\u3001\u300c\u306f\u3058\u3081\u3066\u306e\u3053\u3068\u3067\u3088\u304f\u308f\u304b\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u3053\u308c\u304b\u3089\u6c17\u3092\u3064\u3051\u308b\u304b\u3089\u3061\u3087\u3063\u3068\u52d8\u5f01\u3057\u3066\u3082\u3089\u3048\u307e\u305b\u3093\u304b\u300d\u3068\u304a\u9858\u3044\u3059\u308b\u3068\u3001\u3068\u304f\u306b\u4eca\u307e\u3067\u304d\u3061\u3093\u3068\u3057\u3066\u53e3\u5ea7\u306e\u7dad\u6301\u3092\u3057\u3066\u3044\u308b\u9867\u5ba2\u3067\u3042\u308c\u3070\u3001\u624b\u6570\u6599\u3092\u514d\u9664\u3057\u3066\u3082\u3089\u3048\u308b\u3053\u3068\u306f\u6848\u5916\u3042\u308b\u3082\u306e\u3067\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u9280\u884c\u306b\u304a\u91d1\u3092\u9810\u3051\u3066\u5229\u5b50\u3092\u7a3c\u3050\u6642\u4ee3\u306f\u7d42\u308f\u3063\u305f\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u4eca\u306f\u3001\u9280\u884c\u306b\u304a\u91d1\u3092\u6255\u3063\u3066\u304a\u91d1\u3092\u9810\u304b\u3063\u3066\u3082\u3089\u3046\u6642\u4ee3\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u30a2\u30ab\u30a6\u30f3\u30c8\u306e\u5c11\u984d\u53e3\u5ea7\u3067\u306fNon-Interest Bearing\u3068\u3044\u3063\u3066\u5229\u5b50\u3092\u5168\u304f\u751f\u307e\u306a\u3044\u53e3\u5ea7\u3082\u5c11\u306a\u304f\u3042\u308a\u307e\u305b\u3093\u3002\u591a\u5c11\u9810\u91d1\u9ad8\u304c\u5927\u304d\u304f\u306a\u308aInterest Bearing\u306e\u53e3\u5ea7\u306b\u306a\u3063\u3066\u30820.01\uff05\u306a\u3069\u3068\u3044\u3046\u5177\u5408\u3002\u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30af\u3067High Yield Account\u3068\u9298\u6253\u305f\u308c\u308b\u3088\u3046\u306a\u53e3\u5ea7\u3067\u3082\u3001\u4f4e\u91d1\u5229\u6642\u4ee3\u306e\u4eca\u3067\u306f\u5229\u5b50\u306f1.00\uff05\u307b\u3069\u3002\u3053\u308c\u306b\u6bd4\u3079\u3001\u9280\u884c\u304c\u9867\u5ba2\u306b\u8ab2\u3059\u624b\u6570\u6599\u306f\u975e\u5e38\u306b\u9ad8\u984d\u3067\u3059\u3002ATM\u306e\u5229\u7528\u6599\u306f\u4e00\u56de\u306b\u3064\u304d$4\u3001\u30aa\u30fc\u30d0\u30fc\u30c9\u30e9\u30d5\u30c8\u624b\u6570\u6599\u306f1\u56de\u3067$35\u3068\u3044\u3046\u5177\u5408\u3002\u6d88\u8cbb\u8005\u306f\u3001\u5229\u5b50\u304c\u5c11\u306a\u3044\u3053\u3068\u3092\u6182\u3046\u3060\u3051\u3067\u306a\u304f\u3001\u7121\u99c4\u306a\u624b\u6570\u6599\u3092\u6255\u3044\u3059\u304e\u3066\u3044\u306a\u3044\u304b\u3092\u304d\u3061\u3093\u3068\u541f\u5473\u3057\u306a\u3044\u3068\u3001\u300c\u9280\u884c\u306b\u304a\u91d1\u3092\u9810\u304b\u3063\u3066\u3082\u3089\u3046\u3053\u3068\u3067\u3001\u975e\u5e38\u306a\u7121\u99c4\u9063\u3044\u3092\u3057\u3066\u3044\u308b\u300d\u3068\u3044\u3046\u72b6\u614b\u306b\u3082\u9665\u308a\u304b\u306d\u306a\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n","protected":false},"author":1,"featured_media":3978,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[23],"tags":[56,45,24],"class_list":["post-3473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","tag-protect-your-family","tag-fighting-as-consumer","tag-banks"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-coins-in-two-stacks.jpeg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-U1","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3473","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=3473"}],"version-history":[{"count":1,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3473\/revisions"}],"predecessor-version":[{"id":3474,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3473\/revisions\/3474"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/3978"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=3473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=3473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=3473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}