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7 Tips for Making the Most of Your Checking Account

It’s easy to overlook checking accounts in the personal finance world. There’s so much time spent talking about loans, savings, and credit card rewards that the good old workhorse, the checking account, can be overlooked. But there are plenty of ways to make the most of this type of account to help your money grow. Here are seven tips to help you put your checking account to work as you continue your personal finance journey.

Rocky Mountain Credit Union

Sign up for direct deposit 

You can enjoy all sorts of direct deposit benefits when your paychecks pop straight into your checking account. Direct deposit is the way to go from getting paid faster and easier to make sure your money is secure. 


Set up automatic transfers to savings 

Don’t let spending temptation keep you from saving your money. After your paycheck clears your checking account or on whatever schedule you want, you can set up automatic transfers to savings. When it’s this easy to save, your checking account will actually drive your savings to grow. 




Utilize secure online banking 

You want to make sure your money stays safe—that’s why you entrust it to your financial institution, after all. You can up your checking account game from paper statements and transfers over the phone to a sleek online banking system for an added layer of security. Enroll when you open your account and bank from anywhere. 


Use online bill pay 

Once you’ve signed up for online banking, pay your bills directly from your checking account without having to think about it. Online bill pay lets you set up a seamless system where you never miss a due date. 


Skip overdraft fees 

Set up overdraft protection between your savings account and your checking account, so you don’t accidentally overdraw. That way, you don’t have to think about it when you use your debit card. Say goodbye to overdraft fees, and use your checking account with confidence. 


Woman using her debit card.


Swipe your debit card

You don’t need a credit card to take advantage of the security and convenience of plastic. Use your debit card for daily purchases, shopping, and atm withdrawals to access your money,  anywhere easily. 


Take advantage of promos 

Your checking account can do so much more when it’s putting money straight back in your pocket. When a local financial institution offers a checking account promo, it’s a good idea to take notice. RMCU’s $300 Checking Promo is a great place to start. For a limited time, when you open a new swipe checking account with RMCU, you can earn a $300 bonus. 


To qualify, you must be 18 or older, make a minimum deposit of $20 to open the account, and receive a total of $1,000 or more in qualifying payroll deposits to the new checking account within 90 calendar days from account opening. The account must be in good standing at the end of the 90-day period. You must make one purchase using your RMCU debit card each month within 90 calendar days from account opening. 


Ready to put your checking account to work? Open your new swipe checking account* with RMCU, and make the most of your checking. 


*Must qualify for membership. All checking accounts are verified with ChexSystems. By member’s choice, this institution is not federally insured. Each account is insured for up to $250,000.00.

Non RMCU links are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by Rocky Mountain Credit Union of any of the products, services or opinions of the corporation or organization or individual. RMCU bears no responsibility for the accuracy, legality, or content of the external sites.

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