Common account types
Checking (current) account
Used for everyday spending, bills and receiving pay. Usually comes with a debit card.
Savings account
Holds money you do not need daily and may earn interest. Some limit withdrawals.
Credit card
Lets you borrow up to a limit and repay later. Unpaid balances usually accrue interest.
Debit card
Spends money directly from your account balance.
Terms you may see
Available balance
Money you can spend now. It may differ from your posted balance because of pending items.
Pending transaction
A purchase that has been authorized but not yet fully processed.
APR
The yearly interest rate charged on borrowed money, such as a credit card balance.
Overdraft
Spending more than you have in an account, which can lead to fees.
Direct debit / standing order
Automatic payments set up to leave your account on a schedule.
Statement
A monthly record of transactions, fees and balances.
Reading a statement
Check the period
Confirm the dates the statement covers.
Match your purchases
Compare each line with receipts or your memory.
Look for fees
Note any monthly, overdraft or foreign transaction fees.
Flag anything unfamiliar
Contact your bank using the number on your card.
Disputing a charge you do not recognize
Check your records
Search email for receipts and ask people who share the card.
Contact the merchant
If you recognize the seller, try resolving it with them first.
Contact your bank
Use the number on your card or the official app to start a dispute.
Keep records
Note dates, names and reference numbers.
Everyday good practice
- Turn on transaction alerts in your bank's official app.
- Check balances and statements regularly.
- Never share PINs, passwords or one-time codes with anyone.
- Save your bank's official number from the back of your card in your phone.
- Be wary of any call, text or email asking you to move money or "verify" details.
Questions
How do I find my bank's real contact number?
Look on the back of your card or in the bank's official app or website. Avoid numbers found in ads or search snippets.
Can DigiHelpSupportive help with my account?
No. We cannot see or change any account. Contact your bank directly for account issues.
What should I do if I think my card is compromised?
Call the number on the back of your card promptly and ask to block it.