A check image is a picture of a cleared check. The image can be useful when you need to prove to a third party, such as a merchant or the Internal Revenue Service (IRS), that a check you wrote actually cleared. DCU

Automated Teller Machine – a machine that can be used to withdraw money from your account, check your account balance, or transfer money between your checking and savings accounts.  You must have an ATM card in order to use the machine to get to your account.

An ATM surcharge is a fee charged by an ATM owner to a non-customer using the ATM. They range from 50 cents to $5.00 or more. Heavily used ATMs (such as those at tourist attractions, airports, and casinos) often have the highest surcharges. Typically the ATM will give the user a chance to cancel the transaction before the account is charged.

Annual Percentage Rate – How lenders state the interest rate on a loan.  The lower the APR, the lower the amount of interest you'll pay.

Annual Percentage Yield – How credit unions and banks tell you how much money you'll earn on your savings if you leave a lump sum in your account for one full year.  Use it to compare what institution gives you the best return on your money.

The amount of money you have in a checking or savings account.   With a checking account, it is important to figure out (or "balance") exactly how much money you have by comparing your check register to your statement. 

This is a type of investment that represents corporate or government debt. In essence, a bond is a loan from the purchaser to the company or government agency that issued it. Bonds are not federally insured, though bonds issued by the U.S. Government are considered free of repayment risk.

U.S. Savings Bonds are a popular way to save for the future. They are issued by the U.S. Treasury Bureau of the Public Debt. They are exempt from state income taxes and taxes are deferred until redeemed. DCU

A check is a negotiable instrument – a written order for your financial institution to pay someone with money in your checking account.

A check hold is when a financial institution temporarily blocks your access to all or part of the funds in a deposited check until it is paid by the institution on which it was drawn. Federal Reserve Regulation DD specifies the maximum holds financial institutions can place on deposited items. DCU