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ATMs · Convenience -- and confusion · Advantages, disadvantages of debit cards · ATM fees · Using ATMs abroad · When a debit card is lost or stolen · Tips for responsible use of debit cards · Your personal safety · How to avoid those costly ATM surcharges Checking · Get an idea of what you need · Types of checking accounts · Choosing a bank · Balancing your account · Direct deposit Credit Cards · Understanding fixed vs. variable · Understanding the terms · How credit cards can cost you · Your protection & the law · Credit card fraud · Truth-in-lending rules · How to manage your credit wisely · What to do if you assumed too much · Last resort: Bankruptcy Helpful resources Credit Reports · Checking your credit report · What lenders look for · How to contact credit bureaus · Strengthening your credit file · How credit reports work · What less-than-perfect credit means