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Managing Your Checking Account: The Basics

managing your checking accountChecking accounts are one of the simplest forms of bank accounts for money management. Usually, checking accounts are main source of personal financial activity. Amidst managing consumer debt, making sure your accounts are properly managed is important, too. So, here are some tips for managing your checking account. 

Tips For Managing Your Checking Account

Here are six tips for managing your checking account.

  1. Know the balance – Be sure to use the bank’s phone app, online banking login, or take a trip to the ATM weekly to ensure you are always aware of the balance in your checking account.
  2. Direct deposit – Utilize automation and set up direct deposit so your paycheck is immediately accessible in your account. Explore automatic bill pay through your checking account as well to ensure there are no missed payments.
  3. Online alerts – Set up online alerts for when your account reaches a certain amount. These alerts will help you avoid over drafting.
  4. Balance checkbook – Balancing your checkbook helps ensure your checking account balance matches your records. Be sure to record all dates and the amount that was deposited or withdrawn.
  5. Overdraft protection – It is usually best to opt out of overdraft protection. With overdraft protection, banks will cover the charge, usually up to a certain amount, so the transaction is not declined. This type of protection comes with a hefty fee. If a person with overdraft protection has $3 in their checking account and writes a check for $6, the bank will cover the $3 difference but charge an overdraft fee that could be as high as $25 or more.
  6. Bank ATMs – Avoid using out of network ATMs, so you don’t get stuck paying withdrawal fees.

Final Thoughts

Keep in mind, checking accounts are not the only type of bank account you should have. Savings accounts are important too! There are several different types of bank accounts that you may want to open as you grow your wealth and become more mature financially.

For more financial education resources, visit consumercredit.com or call one of ACCC’s certified credit counselors at 800-769-3571. 

ABOUT AUTHOR / Dilini

Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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