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What Is A Checking Account?


A checking account is provided by a bank as a safe place to keep money that you need to access on a regular basis. To access the money you place in a checking account, the bank gives you paper checks, which you use instead of cash to pay for things. When you write a check, the amount you write it for is then deducted from your checking account. There are many benefits to having a checking account.


Checking Accounts…

•  Let you pay for things without having to carry large amounts of cash

•  Help you keep a record of what you have paid for and when

•  Can be a great tool to help you manage your money


With the benefits of having a checking account come certain responsibilities as well.


Checking Accounts Require You To…

•  Maintain a minimum balance (this amount varies by bank)

•  Make sure you have enough money in your checking account to cover the checks 
    that you write

•  Keep track of the checks that you write in a check register and compare it against
    your monthly bank statement


A checking account is a convenient and easy way to safely store and easily access your money.  

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Financial Literacy Toolkit