Checking Account FAQs & Basics

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? Photo of Valerie Ashton Valerie Ashton What Happens to Student Checking Accounts After Graduation? College students can take advantage of many local perks and discounts, from annual... 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... How to Cash a Check Without a Bank Account Learn how you can cash a checking without going through checking or savings account. Find out where to access these alternatives and how much it could cost. 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 Photo of Krista Baum Krista Baum 7 Ways to Work Around Bank of America's No-Cash Deposits Policy It’s no secret that online banking and innovative technology are changing the way... 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... How to Open a Business Checking Account Learn what information and documents banks require when you want to apply for a new business checking account to separate personal and business finances. 5 Signs You Need to Open a Business Checking Account Find out when you need to open a business checking account, whether you are a freelancer,entrepreneur, or small business. Overdraft Fees: Different Types, Explained & Compared Photo of Krista Baum Krista Baum Overdraft Fees: Different Types, Explained & Compared Managing finances is easier than ever with banks offering online and mobile... What are the Limits on Chase ATM and Purchase Transactions? Photo of Thomas (TJ) Porter Thomas (TJ) Porter What are the Limits on Chase ATM and Purchase Transactions? Chase is one of the largest banks in the United States, with more than 5,000... Compare Overdraft Protection Transfer Fees at the Top U.S. Banks Learn about the costs to transfer money from your savings account to cover a purchase on your checking, known as an overdraft protection transfer. Find out how it works to help you avoid expensive overdraft fees. See what options are available when you overdraw your checking account to a point where you'll have a negative balance. Zelle Pay Daily and Monthly Limits at the Top U.S. Banks Find out the daily and monthly limits for using Zelle Pay to transfer money to friends and family at the top U.S. banks, may vary based on the type of account. Lost Your Debit Card? The Important Steps to Take Now Photo of Thomas (TJ) Porter Thomas (TJ) Porter Lost Your Debit Card? The Important Steps to Take Now Your debit card is one of the centers of your financial life. It gives you access... How to Join a Credit Union With Bad Credit Photo of Simon Zhen Simon Zhen How to Join a Credit Union With Bad Credit Because bad credit often prevents you from qualifying for typical loans, you might... How to Set Up Direct Deposit Without a Voided Check Learn how you can set up direct deposit without a voided check. Speaking with your payroll department and finding other options through your bank could mean an easier time getting direct deposit to your checking or savings account without a hitch. Can Multiple Accounts Be Linked to a Single Debit Card? Find out whether you can link multiple bank accounts, such as checking accounts and savings accounts to a single debit card. Learn what you can do when different accounts, and even loans, are connected to a debit card, including making purchases and submitting loan payments. How to Use Overdraft Lines of Credit to Lower Fees Photo of Thomas (TJ) Porter Thomas (TJ) Porter How to Use Overdraft Lines of Credit to Lower Fees When you use a check or debit card to spend more money than you have in your... IRS Rules for Depositing More Than $10,000 Cash in a Bank Account Photo of Paul Sisolak Paul Sisolak IRS Rules for Depositing More Than $10,000 Cash in a Bank Account For some fortunate reason, you find yourself with $10,000 just sitting there,... List of Interest Checking Accounts Offered by Online Banks in U.S. View a list of which online banks provide interest checking accounts. Compare the interest rates, account requirements and fees. How to Deposit a Check on the Mobile App Learn how mobile check deposit works and see if there are any rules and tips that you should be aware of when using this innovative banking technology. What to Do When You Get Charged an Overdraft Fee Photo of Mallory Hall Mallory Hall What to Do When You Get Charged an Overdraft Fee It’s not necessarily surprising that the older folks get, the better they are at... The Benefits and Risks of Joint Checking Accounts Photo of David Rodeck David Rodeck The Benefits and Risks of Joint Checking Accounts These days, getting married isn’t an automatic part of life for many serious... 10 Ways to Avoid Checking Account Fees for Good If you find yourself paying for bank fees, you're wasting money. Check out the following 10 ways to avoid bank fees. The Best Student Checking Accounts of 2024 Choosing the right checking account for your child is important. Compare student checking accounts offered at the top U.S. banks to find the right one. What is the Bank of America Preferred Rewards Program Photo of Gerald Morales Gerald Morales What is the Bank of America Preferred Rewards Program Flickr | https://www.flickr.com/photos/jeepersmedia/14086716155 Bank of America... How to Open a U.S. Bank Account When You're in Another Country Photo of Simon Zhen Simon Zhen How to Open a U.S. Bank Account When You're in Another Country epSos.de / Flickr | https://www.flickr.com/photos/epsos/8463683689/ Q: I’m a... What to Consider when you Open a Joint Bank Account? When you open a joint bank account you open your financial life to your trusted partner. There are things to consider before you take such a big step. Should You Keep Your Money in Your PayPal or Bank Account? Now that PayPal has released its own debit card the question arises: which will win you over - PayPal vs. Bank Account?