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{{DialREVIEWEDPLS | reviewer = [http://creaseharman.com/r-bruce-Ae-Law Blurbhallsor/ Bruce Hallsor QC], Crease Harman|date= July 2018}} {{Dial-A-Law TOC|expanded = creditmoney}}
Most of us open a bank account at some point in our lives. Learn the rights and responsibilities that come with having a bank account, and practical tips to avoid problems.
{| class="wikitable"
|align="left"|'''Tip'''
Overdraft protection helps not only with avoiding unexpected charges. If you pay for something and your bank doesn’t honour your cheque because there’s not enough money in your account, your [[Credit Reports (Script No. 249)|credit rating]] will suffer.
|}
You normally won’t be responsible for the unauthorized use of your card or PIN after you’ve told the bank about the loss or theft. But you must not have “knowingly contributed” to the unauthorized use — for example, by lending your card to a friend to withdraw money. And you must have been careful to keep your PIN separate from your card.
For more information about bank cards, see our information on [[Credit Cards (Script No. 247)|credit cards (no. 247)]].
===If you sign up for a joint bank account===
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