A calendar day is the actual day of the month including Saturdays and Sundays. A business day is a weekday when businesses are generally open to conduct business, usually Monday through Friday. Federal holidays are not considered business days.

The National Credit Union Administration (NCUA) is the independent federal agency that charters and supervises federal credit unions. NCUA, backed by the full faith and credit of the U.S. government, operates the National Credit Union Share Insurance Fund (NCUSIF) insuring the savings of 80 million account holders in all federal credit unions and many state-chartered credit unions. The NCUA is the equivalent to the FDIC for banks. Visit www.ncua.gov to stay up to date with NCUA news and information.

In some states, including Wisconsin, any assets, investments and income that are acquired during a marriage are considered community property. That is, they are owned jointly by the married couple.

Equity is the difference between an asset's current market value (the amount it could be sold for) and any debt or claim against it. For example, if you own a home currently valued at $300,000 but still owe $200,000 on your mortgage, your equity in the home is $100,000.

Chex Systems is a company that provides account verification services to aid financial institutions in identifying applicants who may have a history of account abuse. All reported applicants remain in the system for seven years or until removed by a reporting institution.