Checking Account FAQs & Basics

How Online Checking Can Replace Your Traditional Checking Account Learn how you can replace your traditional checking account with an online checking account and benefit from lower fees and interest earnings. Which U.S. Banks Offer Foreign Currency (Multicurrency) Accounts? Photo of Simon Zhen Simon Zhen Which U.S. Banks Offer Foreign Currency (Multicurrency) Accounts? A foreign currency account (also known as a multi-currency account) that is...

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ACH vs. Wire Transfers: Compare Speed, Cost and Security Learn the difference between ACH and wire transfers -- comparing the cost, speed, and security of the funds being transferred. Do Banks Offer Notary Services? Is It Free? Find out if banks offer (and charge for) notary services to validate your identity for an important document -- and other options for a notary public. Legal Processing Fees: Why Do Banks Charge Them? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Legal Processing Fees: Why Do Banks Charge Them? If you look at the fine print or the fee schedule for your checking and savings... Counter Checks Fees Compared at the Top U.S. Banks Photo of Kevin Mercadante Kevin Mercadante Counter Checks Fees Compared at the Top U.S. Banks Counter checks come into play when you have a checking account, you need to write a... Pending Balance vs. Available Balance: Which Amount is Most Accurate? Learn about the differences between your current account balance and available account balance when you consider pending transactions. How to Write a Check Properly to Avoid Rejected Payments Learn how to write a personal check properly to avoid any problems for the depositor, including how to fill the payee details, check amounts, and memo lines. How to Tell If a Check is Real or Fake Photo of Thomas (TJ) Porter Thomas (TJ) Porter How to Tell If a Check is Real or Fake You got a check from someone and you’re ready to deposit it to your bank... How to Find Your Bank's Routing Number Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Find Your Bank's Routing Number Every bank account in the United States can be identified with an account... How to Get a Copy of Canceled Checks Learn how you can get a copy of canceled checks (known as checks deposited or returned), including why you'd want these check images and the fees involved. What is a Checking Account?: A Quick 101 Guide Learn about the basics of a checking account with this quick 101 guide, which covers features, fees, application requirements, and how to choose the right one. Prepaid Debit Cards vs. Checking Accounts: Which is Better? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Prepaid Debit Cards vs. Checking Accounts: Which is Better? You need an account that can act as the center of your finances -- an account to send... What's the Difference Between a Checking Account and a Money Market Account? Photo of Thomas (TJ) Porter Thomas (TJ) Porter What's the Difference Between a Checking Account and a Money Market Account? Checking accounts and money market accounts are two different types of bank accounts... Compare ACH Transfer Fees at Top U.S. Banks Learn about how ACH (Automated Clearing House) transfers work and the fees charged by big U.S. banks for this very common financial transaction. How to Pick an Online Checking Account If you're finally going to switch your checking account away from a brick and mortar bank, learn what to look for in the best online checking account for you. What Are Paper Statement Fees? Photo of Kevin Mercadante Kevin Mercadante What Are Paper Statement Fees? If you’re over 40 (or is it 50?), you might remember the term “free checking”. Like a... 5 Signs You Need a New Checking Account Photo of Lance Cothern Lance Cothern 5 Signs You Need a New Checking Account Switching checking accounts to a new bank can be a major pain. Besides transferring... What to Do When the ATM Eats Your Check After an Unsuccessful Deposit Find out what steps you should take right after an ATM steals your check after it couldn't complete the deposit successfully. The Difference Between Certified Checks and Cashier Checks Compare certified checks and cashier's checks to see how they differ and which one is better when you want to guarantee that the funds are there for payment. Should You Use the Same Bank for Your Personal and Business Checking Accounts? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Should You Use the Same Bank for Your Personal and Business Checking Accounts? Individuals and business have very different banking needs. Businesses often handle... How to Cash a Check at Walmart Photo of Simon Zhen Simon Zhen How to Cash a Check at Walmart Walmart isn't only an American hub for retail shopping -- it's also a popular... Compare the Deposit Cutoff Times at the Top U.S. Banks Find out what the cutoff times are for making check and cash deposits at the biggest U.S. Learn about when funds are available and when checks will clear. What Happens to Student Checking Accounts After Graduation? Learn what happens to your student checking account after you've graduated and you're no longer considered a college student. Compare Early Account Closure Fees at the Top U.S. Banks Photo of Aja McClanahan Aja McClanahan Compare Early Account Closure Fees at the Top U.S. Banks If you have to close a bank account, you’re probably wondering about the process and... How to Cash a Check Without a Bank Account Photo of John Csiszar John Csiszar How to Cash a Check Without a Bank Account Cashing a check has never been easier. In addition to traditional methods, such as... Can You Sign a Check Over to Someone Else to Deposit? Find out whether you can sign and endorse a check to have someone else deposit it. Learn about the rules for this practice and how to do it properly. 7 Ways to Work Around Bank of America's No-Cash Deposits Policy Learn about the Bank of America policy that bans cash deposits into a Bank of America account of which you are not a customer. Find out what other options you have available if you are trying to deposit cash into another customer's Bank of America account. What Is a Good ChexSystems (Qualifile) Score? Photo of Rebecca Lake Rebecca Lake What Is a Good ChexSystems (Qualifile) Score? Opening a checking account seems easy enough but there's one thing that could stand...