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7 Mistakes To Avoid When You Have A Checking Account

While having a checking account seems like the most basic need when it comes to financial management, being aware of a certain do’s and don’ts will also help you out to make the most of your checking account. Here are the top seven mistakes to avoid with your checking account so that you do not end up losing more than gaining:

Not having enough balance to cover your expenses
The whole point of having a checking account is to have enough funds in order to save up to satiate your basic needs. You should always have enough money in the account to cover your main expenses so that you can use it for automated billing, groceries, utilities, and make the most of all the services you get.
Having a surplus lying in your checking account
While maintaining a basic balance is very helpful, having too much money lying around in the checking account is not worth it. There are lucrative interest rates that your bank gives you in order to maintain the checking account, but having a lot of money, which can be used someplace else for higher returns is not wise at all.
Not having a bank which has easy access to your location
One of the worst mistakes to make while opening a checking account is not having an ATM near your workplace or house. If you regularly withdraw money from any other bank’s account, it will end up costing you a lot of money per transaction.

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Keeping a basic amount in the checking account
Another issue with just keeping the basic amount to maintain the minimum balance is also a problem. In this case, you will end up missing better deals such as opening an account in a credit union with no minimum monthly balance charges. Do not open an account with a bank, which charges you to keep your account intact.
Not being concerned about your alerts after each transaction
You should always have your account linked to your phone. Once you know how much is spent per transaction and you have an idea about how much balance is in your account, you will end up saving quite a bit. If you do not have a constant check on how much you are spending, then you might run out of funds completely.
Not paying attention to your transactions
It is also a good habit to access your monthly statements for scrutinizing the transactions. You should know about each cent going from your account and not waste any money on additional charges that you are not aware of. This way, you will financially be aware and will not waste any extra money.
Adding your details to every online retailer
While online shopping is very convenient, linking your account details to online retailers is not a good idea. With the rise in technology, there has been a significant increase in cyber crimes. One must be aware while shopping online. It is always advisable to go for the cash on delivery option.

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