Question:  What Christmas gift works for picky teenagers?

 

Answer:  A gift card!  (Don't even try to buy clothes.  They will be the wrong size, wrong style, and soooo yesterday.)

 

If your bank hasn't looked at this growing product, consider offering gift cards this holiday season.  Remember that the limitations in the Texas Business & Commerce Code do NOT apply to cards issued by federally insured financial institutions.  However, the OCC has issued guidance on "best practices."  State banks should also consider using this to help you with disclosures and practices.  http://www.occ.gov/ftp/bulletin/2006-34.doc