{"id":24439,"date":"2026-04-25T17:40:33","date_gmt":"2026-04-25T17:40:33","guid":{"rendered":"https:\/\/incredipros.com\/?p=24439"},"modified":"2026-04-25T17:40:34","modified_gmt":"2026-04-25T17:40:34","slug":"what-is-a-checking-account","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24439","title":{"rendered":"What Is a Checking Account?"},"content":{"rendered":"<div>\n<p>Nothing says \u201cI\u2019ve reached adulthood\u201d like opening up your own checking account. Maybe you just got your first real job and have to set one up for the direct deposit of your paycheck, or maybe you just realized you\u2019re sick of carrying around your life\u2019s savings in your sock all day. Whatever the case, the good news is\u2014setting up a checking account is easy.\n    <\/p>\n<p>So, what is a checking account, and how does it work? Here\u2019s everything you need to know about checking accounts.\n    <\/p>\n<h2>What Is a Checking Account?<\/h2>\n<p><strong class=\"speakable\">A checking account is a type of banking account used for depositing money and taking out money<\/strong>. It\u2019s like a wallet, only it\u2019s way safer since you don\u2019t have to carry all your money around with you at once. <em>And<\/em> it works a heck of a lot better than stuffing all your cash under your mattress.\n    <\/p>\n<div class=\"BlogInsert-copy\">\n<p>Get expert money advice to reach your money goals faster!<\/p>\n<\/p><\/div>\n<p>So, basically, checking accounts hold the money you need quick access to so you can make all your daily purchases and pay bills. Most checking accounts come with a debit card and paper checks.\n    <\/p>\n<p>P.S. Checking accounts are a total no-brainer to have on your path to ditching credit cards for good. Why? Because your checking account is filled with\u00a0<em>real\u00a0<\/em>money, not fake credit card money. And having a checking account will help you spend and budget for the money you actually <em>have <\/em>instead of spending fake money you <em>don\u2019t <\/em>have.\n    <\/p>\n<p>So, what is a checking account? When it all boils down, it\u2019s just a simple way to keep tabs on your money.\n    <\/p>\n<h2>How Does a Checking Account Work?<\/h2>\n<p>It\u2019s pretty simple\u2014a checking account lets you deposit money and spend money. Whenever you buy things using your checking account, you\u2019ll see the money come out of your account each time you pay.\n    <\/p>\n<p>Remember, your checking account is linked to a debit card and paper checks. So whenever you buy stuff at checkout\u2014whether you swipe your debit card in person or buy something online\u2014the money is automatically taken out of your checking account balance. And if you write a check, it\u2019ll take a few days for the check to clear and the amount to come out of your bank account.\n    <\/p>\n<h2>How to Get a Checking Account<\/h2>\n<p>Okay, so maybe your question isn\u2019t, \u201cHey, what is a checking account?\u201d Maybe the real question on your mind is, \u201cHow do I even get one?\u201d\n    <\/p>\n<p>These days, there are really just two ways to open a checking account. For starters, you can walk into a traditional bank or credit union and ask to set one up. But if you\u2019d rather not deal with people, you can open up a checking account with an online bank and handle everything that way. Let\u2019s take a look at both options.\n    <\/p>\n<h3>Open a Checking Account at a Bank or Credit Union<\/h3>\n<p>There are about a zillion banks out there to choose from. So even though opening a checking account isn\u2019t hard to do, sometimes\u00a0choosing a bank\u00a0is. But before picking a bank, you\u2019ll want to think about things like balance minimums, maintenance and overdraft fees, and how many ATMs they have around.\n    <\/p>\n<p>You can go the mom-and-pop route where you\u2019re pretty much guaranteed to get more attention and better customer service. Or you can go the big bank route\u2014you know, the ones that pay ridiculous amounts of money to have their names put on sports arenas. With these guys, just count on being treated more like an account number than a human being.\n    <\/p>\n<p><strong>Things You Might Need:<\/strong>\n    <\/p>\n<p>No matter which bank you choose, there are a few pieces of information just about any bank will ask for before you can open a checking account:\n    <\/p>\n<ul>\n<li>Personal identification (driver\u2019s license or passport)<\/li>\n<li>Proof of address (something that shows where you live\u2014like a utility or cable bill)<\/li>\n<li>Usually an opening deposit amount (this might be as little as $25)<\/li>\n<\/ul>\n<p>Some banks might want two pieces of ID from you on top of your driver\u2019s license\u2014like a Social Security card or birth certificate. If you\u2019re not sure what information your bank needs, call ahead and double-check before you make a trip to the bank.\n    <\/p>\n<p>Once you have everything set, all you need to do is walk in and talk with a bank teller. They can tell you who you need to talk with to set up your brand-new checking account.\n    <\/p>\n<h3>Open a Checking Account With an Online Bank<\/h3>\n<p>Plenty of people have already made the switch to banking online. Handling all your banking needs right from a banking app or laptop makes things simple. Still, those people probably have a brick-and-mortar bank they can walk into if they ever need to talk with a teller.\n    <\/p>\n<p>But with a bank that\u2019s <em>completely <\/em>online, that means no tellers, no drive-through services and no lollipops for the kids\u2014none of the human stuff you get at a traditional bank. So if you like the idea of keeping everything online all the time (and not having to deal with people), then an online bank might be the route for you.\n    <\/p>\n<p><strong>Things You Might Need:<\/strong>\n    <\/p>\n<p>Like a traditional bank, online banks will need some proof that you are who you say you are before they\u2019ll give you a checking account. You know, the basics. Things like:\n    <\/p>\n<ul>\n<li>Personal identification (driver\u2019s license or passport)<\/li>\n<li>Proof of address<\/li>\n<li>Social Security number<\/li>\n<li>Usually an opening deposit amount<\/li>\n<\/ul>\n<p>Now, here\u2019s the tricky thing about some online banks: They might require an initial deposit to set up your checking account. But guess where that money needs to come from. A debit card or check tied to an existing bank somewhere else in the world.\n    <\/p>\n<p>So, if you\u2019re making the move from a traditional bank or another online bank to a new online bank, it\u2019s pretty straightforward. But if you\u2019re setting up a checking account for the very first time with a strictly online-only bank, you\u2019ll need to deposit money into your new account through a money order. It\u2019s not the end of the world\u2014just an annoying hoop to jump through.\n    <\/p>\n<h2>Basics of a Checking Account<\/h2>\n<p>Once you have your checking account set up, using it is pretty easy. Here are some of the basics you\u2019ll find that come along with your checking account.\n    <\/p>\n<h3>Debit Card<\/h3>\n<p>When you open a checking account, you\u2019ll get a shiny new\u00a0debit card (and probably a set of paper checks too). If you\u2019re at a traditional bank, you\u2019ll probably get your debit card there on the spot.\n    <\/p>\n<p>But if you\u2019re signing up for a checking account through an online bank, your debit card will show up in the mail, usually in about seven to 10 business days. Whenever your card comes in, remember that your debit card is connected to your bank account\u2014aka treat it like cash and keep it safe.\n    <\/p>\n<p>Just about anywhere you shop will take debit cards\u2014unless there\u2019s a \u201ccash only\u201d sign at the register (like at that snow cone place you like to hit up). But just because a place will take your debit card, don\u2019t get swipe happy here. Remember, your debit card is connected to real money. And it can fly out of your bank account faster than you can say, \u201cWhoops.\u201d\n    <\/p>\n<h3>Checkbook<\/h3>\n<p>When you open a checking account, you\u2019ll probably get a few temporary checks until the ones with your name printed on them arrive in about two weeks.\n    <\/p>\n<p>Checks work the same way as a debit card, just a whole lot slower. If a debit card is like email, checks are like snail mail. But just because it might take a few days for the money to come out of your bank account after using a check, that doesn\u2019t mean you still have that cash to your name. Nope! When you write a check, tell yourself that money is already gone. If you don\u2019t, this is where people with low checking account balances can get into real trouble.\n    <\/p>\n<p>Say you give your nephew a $100 check for his high school graduation. You keep waiting for him to cash it, but three months later\u2014still nothing. He never cashed the check, so you never took out the $100 from your records. Time goes on and you totally forget that your checking account shows $100 more than you actually have. You end up spending that $100. Twice. It\u2019s only when you get hit with a $35 overdraft fee and a $35 returned check fee that you realize your slowpoke nephew <em>finally <\/em>cashed your check. And those other purchases you made? Well, they put your account in the negative.\n    <\/p>\n<p>Now, that\u2019s not a PSA to <em>not <\/em>use checks. It\u2019s okay to still use paper checks, but if you do, don\u2019t forget to balance your checking account. That\u2019s life skills 101 right there. And remember, just like a debit card, checks are directly tied to your bank account. So treat them like cash, and keep them somewhere safe.\n    <\/p>\n<h3>Direct Deposits<\/h3>\n<p>These days, most employers want to use direct deposit to drop your paycheck into a checking or savings account. Gone are the days of waiting for your paper check to arrive, driving to the bank, waiting in line, and then depositing your check. Instead, boom\u2014there it is right on time each and every payday!\n    <\/p>\n<h3>Mobile Check Deposit<\/h3>\n<p>What about other checks that don\u2019t come from your employer? Don\u2019t worry, you can still use direct deposit to get that birthday check from Grandma into your bank account. And you never even have to leave your house. Most banks nowadays have their own mobile apps where you can snap a picture of the front and back of a check and drop it straight into your checking account. Plus, you can also deposit cash into your checking account.\n    <\/p>\n<p>And let\u2019s not forget all the digital wallet and money-sharing apps that exist today, like Venmo, CashApp and even PayPal. They let your friends transfer their portion of the dinner bill or rent right into your checking account so you don\u2019t have to bug them about it.\n    <\/p>\n<h3>Online Bill Pay<\/h3>\n<p>With online bill pay, you can have all your bills come right out of your checking account on the day they\u2019re due. No more losing envelopes or scrambling to find a stamp to mail in your check. Just make sure you know when your bills are due (and budget for them!) so you don\u2019t overdraw your account.\n    <\/p>\n<h3>Transfer Funds<\/h3>\n<p>With a checking account, it\u2019s super simple to transfer funds into your savings account\u2014making it even easier to hit your goals. So if you\u2019re trying to get your $1,000\u00a0emergency fund\u00a0in place,\u00a0saving for Christmas, or finding\u00a0leftover money\u00a0in your budget at the end of the month, you can slide that extra cash in your checking right on over to your savings. Simple as that.\n    <\/p>\n<p>Wait\u2014you don\u2019t have a savings account yet? Well, when you open a checking account, that\u2019s also the perfect time to start a savings account. So when you\u2019re researching banks, check out what kind of interest rates they offer for savings. It\u2019s usually not a lot (like less than 1%), but hey, better in your pocket than theirs! And don\u2019t forget to check out interest rates at online banks too. Some of them will give you <em>over <\/em>1% interest on your money. We\u2019ll take it!\n    <\/p>\n<h3>ATM Access<\/h3>\n<p>One of the easiest ways to watch your hard-earned money disappear before your very eyes is to use ATMs that charge a fee. Yuck. Stay away!\n    <\/p>\n<p>When you open a checking account, find out where your bank\u2019s ATM locations are. If you\u2019re not a huge ATM user, then this isn\u2019t that big of a deal. But if you use ATMs a lot, it\u2019s worth it to know where your bank has fee-free ATMs.\n    <\/p>\n<p>A lot of smaller banks and credit unions will partner with grocery stores and pharmacies to offer free ATM services. So don\u2019t forget to ask about that too when you\u2019re setting up your checking account.\n    <\/p>\n<h2>Manage Your Money<\/h2>\n<p>It\u2019s true that having a checking account makes life so much easier. And let\u2019s be honest, you pretty much need one to buy anything in this world. But always be sure to keep your spending in check so that your checking account isn&#8217;t full of cobwebs instead of cash when you need it. And that means keeping a budget . . . because that&#8217;s what grown-ups with checking accounts do.\n    <\/p>\n<div class=\"rs-Shortcode rs-Shortcode--card\">\n<h4 class=\"u-typesetHeadingMedium u-spacingStack1\">Bank on Your Budget<\/h4>\n<p class=\"u-typesetBodyMediumShort u-spacingStack3\">The best way to control your money is with a budget. Sign up for EveryDollar and start today&#8211;for free!\n    <\/p>\n<p>  Sign Up\n    <\/p><\/div>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/banking\/checking-account\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nothing says \u201cI\u2019ve reached adulthood\u201d like opening up your own checking account. Maybe you just got your first real job and have to set one up for the direct deposit of your paycheck, or maybe you just realized you\u2019re sick of carrying around your life\u2019s savings in your sock all day. Whatever the case, the<\/p>\n","protected":false},"author":1,"featured_media":24440,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24439","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is a Checking Account? | IncrediPros<\/title>\n<meta name=\"description\" content=\"Nothing says \u201cI\u2019ve reached adulthood\u201d like opening up your own checking account. 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