There's only one of you. Your unique DNA make-up supports that fact. While individuals may be protected against liability for unauthorized accounts or transactions under federal and state law and by financial industry practices, it is still important to enlist simple steps to protect one's identity, consumer reputation and credit rating.

Banking has changed in many ways through the centuries. The oldest forms of banking were often simple loans issued to businesses to purchase their goods. Once the goods were sold, the lender collected the money for the loan with interest.

As the Bob Dylan songs says, "The Times They Are A-Changin'" and with the growth of home Internet use, they have changed quickly in the last decade. Access to information, products and finances are only a mouse click away. We can complete our Christmas shopping, communicate with long-distance friends, and catch up on current events from the comfort of home.

In the wake of recent financial mergers and closings, new scams are being devised to part individuals with their identities. According to the Federal Trade Commission, e-mails, phone calls and letters are being circulated which claim to represent an individual's financial institution.

Precious metals, conch shells and bartering have all been utilized by civilizations through the ages in the exchange of services or goods. This early form of money, or proto-money, was used before the invention of real currency. In ancient times, a bag of rice might have been exchanged by someone for a bag of beans.

Maybe you have moved to a new place and are looking for a bank. Maybe you've had one and are ready to make a change because your regular bank doesn't meet your needs. Here are tips to help you make the right decision.

With approximately 63 million Americans banking online, according to a recent study, it's getting harder to remember what life was like before it. As online banking gains widespread acceptance, more banks are offering web-based products and services to enhance communication and support with their clients.

Determination of choosing a Bank. Should you choose a National Bank or a Local bank. We explore some of the determining factors.

Typically, we associate savings, CDs or money market accounts with earning interest on our money. But that means the finances are less quickly available. With interest checking money is as accessible as a traditional checking account but it earns interest as well.

Working with a bank to ensure the successful future of a business begins with seeking one that will nurture a professional relationship that will grow through the years. Banks can provide businesses with invaluable support and guidance but the business connection should be a good fit from the start.