How to spot counterfeit money and report fake money.

Can you spot counterfeit money? Don't let counterfeiters fool you, spot fake money and report it to the federal government.

How to spot counterfeit money: Closely examine money you receive and compare suspect bills with a genuine bill of the same denomination and series. Pay attention to the quality of printing and paper, and look for differences instead of similarities.

How to tell if money is counterfeit	Real Vs Counterfeit
Portrait: A genuine portrait appears lifelike and stands out distinctly from the background. The counterfeit portrait is usually lifeless and flat. Details merge into the background which is often too dark or mottled.
Federal Reserve and Treasury Seals: On a genuine bill, the saw-tooth points of the Federal Reserve and Treasury seals are clear, distinct, and sharp. The seals of counterfeit money may have uneven, blunt, or broken saw-tooth points.
Border: The fine lines in the border of genuine money are clear and unbroken. On counterfeit money, the lines in the outer margin and scrollwork may be blurred and indistinct.
Serial Numbers: Genuine serial numbers have a distinctive style and are evenly spaced. The serial numbers are printed in the same ink color as the Treasury Seal. On counterfeit money, the serial numbers may differ in color or shade of ink from the Treasury seal. The numbers may not be uniformly spaced or aligned.
Paper: Genuine currency paper has tiny red and blue fibers embedded throughout. Often counterfeiters try to simulate these fibers by printing tiny red and blue lines on their paper. But on counterfeit money the lines are printed on the surface, not embedded in the paper. It is illegal to reproduce the distinctive paper used in the manufacturing of United States currency.

Genuine paper currency is sometimes altered in an attempt to increase its face value. One common method is to glue numerals from higher denomination notes to the corners of lower denomination notes.

These bills are also considered counterfeit, and those who produce them are subject to the same penalties as other counterfeiters. If you suspect you are in possession of a raised note:

Compare the denomination numerals on each corner with the denomination written out at the bottom of the note (front and back) and through the Treasury seal.

Compare the suspect note to a genuine note of the same denomination and series year, paying particular attention to the portrait, vignette and denomination numerals.

Counterfeit Coins

Genuine coins are struck (stamped out) by special machinery. Most counterfeit coins are made by pouring liquid metal into molds or dies. This procedure often leaves die marks, such as cracks or pimples of metal on the counterfeit coin.

Today counterfeit coins are made primarily to simulate rare coins which are of value to collectors. Sometimes this is done by altering genuine coins to increase their numismatic value. The most common changes are the removal, addition, or alteration of the coin's date or mint marks.

If you suspect you are in possession of a counterfeit or altered coin, compare it with a genuine one of the same value.

If it is above five cents in value, it should have corrugated outer edges, referred to as "reeding." Reeding on genuine coins is even and distinct. The counterfeit coin's reeding may be uneven, crooked, or missing altogether.

To prevent counterfeit money, the U.S. Treasury creates new one, two, five, ten, twenty, fifty and 100 dollar bills.

Suspect you've been given fake money? Turn it over to your local police or Secret Service field office. Or get more information on how to spot counterfeit money.

Need more information? Read our financial and credit articles related to money or government, and join our online financial newsletter.

Personal Credit and Money Management is Important: It can be extremely difficult when being in debt becomes a problem. Yet, credit counseling has proved to be beneficial for millions of people having to face debt issues. The first sign there could be a problem, is rejections when seeking credit. Lenders will view their applicant's credit status before approving any loans, and if credit is not good, they reject the applicant.

Credit counseling has helped people who have been unable to pay all their bills, and who have exhausted all means to solve their problems without professional help. Counselors can train people how to spend responsibly, even when using credit cards, and how to manage debts that have been owed far too long.

Lending institutions do not like to get missed or late payments. Just like people expect to get their paycheck, creditors like for their customers to pay their bill on time. People often get into money problems when they carry too many credit cards and they over-spend, thus ending up with high card balances. When they ignore the bills, late fees and higher interest rates could be added which leads to being more in debt.

A credit counselor may be able to help people who are in debt, by reviewing their finances. They can figure out how much a person owes and analyze some spending habits that are causing bills to go unpaid. Along with this, they figure the net income and expenses, and work out a plan for an affordable monthly payment. They are able to educate clients about how to manage their finances productively.

Counselors may recommend negotiating with creditors for revised repayment options, or to consider credit consolidation. They know the types of available solutions, because they are experts at what they d, and they are very knowledgeable in their area. They are good at explaining credit report scores and the types of credit inquiries that appear on the report. They can give valuable tips on how to repair credit and financial tools to use to rebuild scores. When all options have failed, credit counseling programs may be a resource to use to get debts under control

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.

INGDirect.com Review -

INGDirect Online Bank Checking Account: Named best "No Fees" checking account - Kiplinger's 2010
* Over 35,000 FREE ATMs
* Free Person2Person Payments
* Bank on the fly with our mobile app

Get started and earn a $50 bonus.
1. Click on 'Apply Now.'
2. Open Electric Orange and make a total of 3 Card purchases or Person2Person Payments (or any combo of the two) within 45 days of account opening.
3. Your $50 bonus will automatically be deposited into your account on day 50.

*Your FDIC-insured Deposits Earn Interest - Your everyday money shouldn't cost you, it should help you save too.
*P2P Payments - Send money securely to family and friends. It's Fast and free. Watch a demo.
*Comes With FREE Stuff:
Free MasterCard® Debit Card for all purchases
Free Online Bill Pay
Free access at over 35,000 ATMs - find one near you
Free postage - we'll mail your paper checks for you

Give us a call at 1-866-327-4599
1-800-ING-DIRECT

What is an electronic checking account?
Electric Orange is a checking account without the paper. You can do everything - pay bills, mail a paper check, make a secure deposit directly into someone's account, transfer money - securely online at ingdirect.com. And with your Electric Orange Debit Card, you can access cash at ATMs worldwide or make purchases anywhere MasterCard® is accepted. You'll even receive all communications from us electronically.

After my Electric Orange checking is opened, will I receive paper checks to write?
No, this is a completely paperless checking account - you'll be able to make payments online or use your debit card for purchases. Also, please don't order paper checks from a third party provider - we won't accept them.

How do I set up Direct Deposit to my Electric Orange checking?
You can set up Direct Deposit one of three ways:

1. Give your ING DIRECT Account Number and our Routing Number, 031176110, to your employer. Learn more on how to get a voided check.
2. PRINT our blank Direct Deposit form and fill in your information.
3. You can access our pre-filled Direct Deposit form online.

1. Sign in to ingdirect.com with your Customer Number or Saver ID and PIN
2. Click on your 'Electric Orange'
3. Select 'Account Maintenance'
4. Scroll down and you will find the 'Direct Deposit form' under useful forms

Interest Checking Account - Save Your Money®. Even with your checking. It's about time your everyday money earned interest too.

* Your FDIC-insured Deposits Earn Interest - Your everyday money shouldn't cost you, it should help you save too.
* P2P Payments - Send money securely to family and friends. It's Fast and free. Watch a demo.
* Comes With FREE Stuff:
- Free MasterCard® Debit Card for all purchases
- Free Online Bill Pay
- Free access at over 35,000 ATMs - find one near you
- Free postage - we'll mail your paper checks for you

Remember, you can choose to have all or only a portion of your paycheck direct deposited.

What are the eligibility requirements for Electric Orange checking?
You must be a U.S. citizen or permanent resident with a valid Social Security number, be at least 18 years old, and have a personal (non-business) checking account at another U.S. chartered bank to initially fund your Electric Orange. As part of the account opening process, we may or may not obtain information about you from a consumer reporting agency (a "hard pull"). If we do, we may or may not open Electric Orange for you based on that information.

You are not required to keep your other checking account after your Electric Orange is opened. You do not need to have another ING DIRECT account in order to apply for Electric Orange.

Can I have more than one Electric Orange checking?
Customers can only have one Electric Orange. For example, if you have a joint Electric Orange with another Customer, you cannot have another Electric Orange with anyone else or a single Electric Orange in your name only.

Can I use my personal finance software to track my Electric Orange checking transactions?
Sure. Downloading your financial transactions to your personal finance software, like Quicken®, Money® or CSV downloads works the same way it does for our other accounts. To download your transactions, click on your Electric Orange and click on the ‘Download’ link.

ING DIRECT requires Customers to use Web Connect to download their ING DIRECT account information. And depending on the software or program you’re using, you may need an Access Code in order to pull your ING DIRECT information into the tool. The Access Code is used in place of your Sign In PIN, so you keep your personal information safe and secure. Learn more about downloading transactions.

How do I get a voided check?
1. Sign in to ingdirect.com with your Customer Number or Saver ID and PIN
2. Click on your ‘Electric Orange’
3. Go to the Account Maintenance section
4. Scroll down to the ‘Useful Form’ area
5. Click on the link to print out a ‘Voided Check’

Now that I'm applying for Electric Orange, do I need to close my checking account at my other bank?

You don’t have to keep your external checking account. You may decide to keep it open as you get used to electronic checking or for that very occasional check you may want to write from your checkbook.

To learn more about Electric Orange and get some helpful tips on switching checking accounts, check out our guide.

Is there any minimum balance I need in order to earn the interest rate?
You earn interest no matter what. If your balance is $49,999.99 or less, you earn an annual percentage yield of 0.25% . If your balance is between $50,000-$99,999.99, your entire balance earns 1.10% APY; and if your balance is $100,000 or more you will earn 1.15% APY on your entire balance! (Rates variable, as of 02/23/2011 ).

How is my Electric Orange checking interest rate determined?
Your interest rate is determined by the balance in your account at the end of each day (12 AM ET). The rate is variable and may change from day to day if your account balance moves above or below the balance thresholds for each interest rate listed above.

What fees will I incur if I have Electric Orange checking?
Like you'd expect from ING DIRECT, there are no fees for having your account. But we want to be up front, and let you know that there are five charges you could potentially incur for certain extra services.
* Overdraft Line of Credit. You pay interest if your balance drops below zero and you use your Overdraft Line of Credit. Unlike traditional banks, Electric Orange does not charge a fee to use your overdraft, and there's no fee to sign up. If you use it, you will only pay interest on the amount you borrow.
* Overnight Delivery of a Check. If you use our Overnight a Check service to send payments via overnight courier (for those instances when you need to send money for next bank business day delivery) the cost is $20. First-class Mail a Check delivery is free if you can wait a couple of days.
* Overnight Delivery of a Replacement Card. If you request to have a replacement Electric Orange Card sent to you via overnight courier, the cost is $25. There is no charge for standard delivery of a replacement card.
* Stop Payment. If we're able to stop a paper payment at your request, there is a $25 stop payment charge. Learn more about Stop Payments.
* Foreign Transaction. If you use your Card for a foreign transaction (any transaction made in a foreign currency or that MasterCard® classifies as a cross-border transaction), a charge of 2% of the foreign transaction amount will be applied. If it’s in a foreign currency, this will be based on the amount after it’s converted to U.S. Dollars by MasterCard. This is in addition to what MasterCard may charge as part of converting the purchase to U.S. Dollars. Please remember to notify us if you are travelling overseas.

How do I close my Electric Orange checking?
Please give us a call at 1-888-464-0727 if you'd like to close your Electric Orange checking. Associates are available from 8 AM to 8 PM, 7 days a week.

Can I set up an Automatic Savings Plan for my Electric Orange checking?
Yes. To set up an Automatic Savings Plan:
1. Sign in to ingdirect.com using your Customer Number or Saver ID and PIN
2. Go to the ‘Automatic Savings Plan' tab
3. Choose the amount you want to save, how often you'd like it deposited and the start date

If you’d like to change or delete your Automatic Savings Plan, simply click the ‘Edit’ or ‘Delete’ button next to it. Remember to make changes more than one business day before the transfer is scheduled to occur.

Are there any transaction limits on Electric Orange checking?
Yes. The transaction limit depends on how you’re making the payment.
* Bill Pay: $100,000 per transaction
* Person2Person Payment: $5,000 per day. Individual transactions are also limited to $5,000
* Mail a Check: $100,000 per transaction
* Overnight a Check: $100,000 per transaction
* Electric Orange Card ATM withdrawal: $1,000 per day
* Electric Orange Card purchases using your PIN: $25,000 per day
* Electric Orange Card purchases not using your PIN: $5,000 per day

How do I make deposits into my Electric Orange checking?
You can make deposits into your Electric Orange from another ING DIRECT account or linked checking account one of the following ways:
* Set up Direct Deposit
* Sign in to your account 24/7 at ingdirect.com and click on the ‘Transfers & Deposits’ tab.
* Call our Interactive Phone Service with 24/7 access at 1-888-464-7868.
* Mail a check for deposit to (and be sure to include your Account Number on the check):

ING DIRECT
PO Box 60
St. Cloud, MN, 56302-0060

How do I withdraw money from my Electric Orange checking?
You have several options:
* Use your Electric Orange Debit Card anywhere MasterCard is accepted.
* Use our state-of-the-art Electric Orange payment features.
* Access cash for free at over 35,000 ATMs with your Card; or from merchants that allow cash back as a part of a PIN-based purchase.
* Transfer Money to another ING DIRECT account or your linked checking account.
* Get a cash advance from a participating local bank using your Card for up to $5,000. Keep in mind the bank may have a lower withdrawal limit than ING DIRECT.

Is there a limit on the number of transactions (deposits or withdrawals) I can do in a month?
No. You can do as many transactions as you like (unlike the Orange Savings Account, which as part of federal regulations has a limit of 6 withdrawals per month).

What is an electronic transfer?
All funds transferred to and from ING DIRECT are done electronically via the Automated Clearing House (ACH) system.

Every day we send all our transfer requests to the ACH. That system then pulls together all the daily requests they receive from thousands of banks and routes them to the appropriate receiving bank. And voila, we have a transfer.

These transfers are free and typically take 2 business days to complete. View a demo to learn more about electronic transfers.

Is there a limit to the number of accounts I can have with ING DIRECT?
Yes. There is a limit to how many accounts each Customer can have (don’t worry, we doubt you’ll even get close to it) with ING DIRECT. You could be either a primary or joint account holder on a specific account and it would still count as one account. Here’s how it breaks down:
* Orange Savings Accounts and Business Savings Accounts: 25 accounts max
* Orange CDs and Business CDs: 50 accounts max
* Electric Orange checking: 1 account

Please note: IRA Savings and IRA CD accounts are not included in the total number of Orange Savings Accounts and/or Orange CDs you can have.

eFirstBank.com Review - Copyright © 2011 FirstBank Holding Company

FirstBank Free Checking - A free checking account with no minimum balance and no monthly service charge, and several other features to make your banking better.

What do I get?
* Free Internet Banking with eStatements
* Free Mobile Banking**
* Free Alerts**
* Free Bill Pay***
* A Visa Check Card
* 24/7 Live Call Center

Minimum Daily Balance: $0
Service Charge: $0
Direct Deposit Requirement: None
Interest Rates: N/A
Internet Banking: Do almost all your banking without ever entering a branch, just without the free candy.

* Free with eStatements.
* Transfer funds.
* View and print images of your checks.
* View and print your account statements.
* Update your personal information.
* Download to Quicken and QuickBooks.

Mobile Banking - Bank anywhere using your mobile device. It’s completely secure, free*, and imparts a feeling of extreme importance. For more information, visit Mobile Banking.

Alerts: Get free** text or email alerts about account activity or set up notifications. Refreshingly free of any LOLs or OMGs.
* Account and loan balance alerts.
* Withdrawal and purchase alerts.
* Foreign activity alerts.
* Deposit alerts.
* Payment due notifications.
* Personal information change notifications.

Bill Pay: Send payments quickly and securely for free*** online, because stamps and envelopes are not free.
* Schedule recurring payments such as mortgage or car loan payments.
* Schedule one-time payments for amounts that change each month.
* Receive eBills in place of paper statements (optional).

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Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

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Personal Loan: Short or long term personal loan.

Personal Finance: How to file bankruptcy and get free bankruptcy forms. Create a household personal budget and balance a checkbook. Get our free personal budget software.

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Auto loan down payment - Options to get down payment money for an auto loan.

Auto refinance - Benefits of using a refinance loan to lower payments and/or interest.

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Bad credit auto loan - Understand invoice, sticker price and other dealership jargon before applying for an auto loan.

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Bad credit home loan - Apply for a home loan and stop paying rent.

Bad credit personal loan - Online application for a no credit check loan with instant approval.

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Balance checkbook - How to balance a checkbook and download our free checkbook register software.

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Bank checking account - How to read a bank checking account statement.

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Checkbook Register - Free CheckBook Register Software to Manage Expenses

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Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

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Counterfeit money - Spot counterfeit money and report fake money to the govt.

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Credit card debt - Free help to get out of credit card debt and tips on how to avoid debt.

Credit card debt consolidation - Credit card debt consolidation quote to combine and lower monthly bills

Credit card facts - Learn about the different types of credit cards and approval standards.

Credit card interest calculator - Calculate total interest paid at payoff.

Credit card payment calculator - Calculate monthly payment amount required to payoff card within a time frame.

Credit card ratings - Review consumer ratings of credit cards.

Credit card rebuild credit - Apply on the internet for a credit card to rebuild bad credit.

Credit card rewards - Choose perks such as cash back and points which interest you.

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Credit card statement - How to read a credit card billing statement.

Credit counseling versus debt settlement - Decide which alternative is the best option for you.

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Credit Federal - Good or bad credit personal loan and credit card resource.

Credit Federal - about us - Information about the CreditFederal.com website.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Credit report errors - How to correct credit report errors yourself.

Debit card - Virtual debit card offers online privacy so you can shop anonymously.

Debt consolidation loan - Payoff bills with a debt consolidation loan.

Debt counseling - Lower monthly bill payments or reduce principal altogether.

Debt negotiation - Chargeoff debt; reduce principal owed.

Debt negotiation sample letter - Do It Yourself debt settlement.

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Discover credit card - Review and apply online for a Discover card.

Disney credit card - Special entertainment and travel cards.

Emergency loan - Emergency cash to pay bills, get your car repaired, or for any reason.

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File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

Financial calculators

Fix credit report - How to fix credit report errors yourself or to get help.

Free bank checking account - Apply for a no fee, online bank checking account.

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Get out of debt - Ways to get out of debt, either Do It Yourself or with a Company.

Gold American Express - Browse for any current American Express gold card offers.

Gold credit card - Browse for gold credit card offers by each major credit card company.

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Joint auto loan - How spouse credit affects joint auto loans, and the impact of divorce.

Joint credit card - How spouse credit affects joint credit cards, and the impact of divorce.

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MasterCard Credit Card - Review and apply online for a MasterCard card.

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Mortgage refinance loan - For a home equity line of credit, you may want to think about a traditional second mortgage loan.

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Offers - American Express - Search American Express card applications.

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Payday advance loans - Benefits of a payday advance loan and common uses.

Payday loan interest - Payday loans charge a fee instead of an interest rate.

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Pay off debt - Loan options and tips to pay off debt.

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Personal budget software - How to use our personal budget software.

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Plan retirement - Prepare for retirement with our tips.

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Repay payday loan - Strategy to repay a payday loan.

Report credit fraud - How to report credit-related fraud.

Reverse mortgage - Information about the benefits of a reverse mortgage.

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Rewards credit card - Browse credit card rewards for people with good credit.

Savings calculator - Calculate savings (interest) with this simple tool.

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Secured credit card - Control your spending habits with a secured card.

Secured and unsecured loan - Conventional loans explained and online applications.

Short term loan - Get a loan to meet an emergency situation.

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Student credit card - Apply for a student credit card.

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Marriage Joint Credit and Divorce Ex-Spouse Issues: Couples who have been together for years sometimes have stress and conflicts over financial arrangements. Money issues are a prime cause of break-ups or even divorce. Having a budget may help eliminate some arguments. There is not a specific way to set up a budget. Any method should take into account spending habits and the monthly income. Those figures should be used to prepare a household budget, which should smoothly appropriate funds for regular bills, provide for emergencies, and allow for about 10% or more that can be placed into a savings account.

Married couples should each try to build their own individual credit history. This can be helpful if ever a divorce does take place. When one person has their own credit card, for example, their credit history will not affect anyone that is not on the account. When spouses have joint credit cards, that credit history will be reflected on both spouse's reports. Even after divorce, if there is any abuse or bad information reported, both ex-spouses will suffer the consequences of lower scores from the other.

For many people, money conflicts may be caused from one person who is keeping secrets about financial problems. This may cause even more problems when bad financial news surfaces later. Earlier stereotypes usually presented the husband as the money maker, and the one who would control the finances. Now, usually both partners make the money and maintain a budget together. It can be easier when both partners monitor and manage the finances in a responsible manner.

Good credit history can allow people to get approved for credit cards, home loans, or other loans. That is why it can be good for each partner to have credit their own name. It does make sense to use a joint checking account for shared expenses, yet it is good for each person to have individual accounts and their own credit references. When couples do this, it should be handled without creating any confusion or financial problems.

Online banking and bill pay can help make financial chores much easier by eliminating writing checks and mailing them. There may be an option with a local bank to set up a joint account and individual accounts. Then there may be the ability to make transactions between accounts. Even so, couples may still have disagreements at some point about money matters. There have been times when some partner is sure to hide or sneak in a purchase in an effort to avoid a confrontation. Marriages are a learning experience, just as a divorce is enlightening to financial issues that must be settled. The important thing is to always manage finances in a positive manner.