A checking account is one of the basic building blocks of our financial lives. 对我们大多数人来说, a checking account is where we put the money we rely on to get through the day, 一个星期, 这个月, 及以后.
Credit unions, banks, and other financial institutions offer a wide variety of checking accounts. 无论是你第一次开户, 或者你在找一个新的, 货比三家是值得的.
选择支票帐户
选择一个符合你需要的支票账户是很重要的. A credit union’s brick-and-mortar location is no longer a top priority with the convenience of online and mobile banking. 而不是, 重点是支票账户的特点，比如利率, 消费奖励, 或者不收取低费用.
继续往下读，了解如何选择一个支票账户, along with some common considerations to help ensure you’re making the right choice for your goals and needs.
费用
阅读费用细则. What do you need to do to reduce or eliminate maintenance fees if there are any? It could be as simple as signing up for eStatements to be delivered electronically or maintaining the minimum monthly amount. 即使费用很低, fulfilling the requirements to avoid them keeps more money in your account.
一定要注意透支费. Some financial institutions will automatically sign you up for this overdraft service. 最好不要透支你的帐户. But if you're frequently down to the last dollar then figure out what it will cost to use the account’s overdraft features.
使用现金和自动取款机
A checking account allows the convenience of depositing and withdrawing your available money. You will also get a free debit card to use for bill pay, online, and in-store shopping. Alongside your checking account comes access to ATMs if you ever need to withdraw money at a moment’s notice.
通常，使用网络内ATM机不需要额外收费. Many credit unions offer ATM locator maps on their websites and mobile apps to help you find in-network locations. Be mindful of any fees associated with ATMs if you use one outside of your network. In some cases, you can be reimbursed for fees charged by a financial institutions’ ATM.
最低余额
Credit unions are more likely to offer competitive interest rates on checking accounts than some traditional banks.
如果你在支票账户里存了几千美元或更多, 你可以考虑开一个高收益的支票账户, 像我们的 优享派息核对. Looking for a free account with low balance requirements that earn you dividends? 查看我们的 自由动量检查.
在线/移动网赌最好最大平台
考虑 网上网赌最好最大平台 如果你精通技术，并且对网上网赌最好最大平台十大最好的网赌平台感到自在. It will save you time and make managing your finances easy, secure, and convenient. Many credit unions support a variety of tools for 网上网赌最好最大平台 and still keep their brick-and-mortar, 给你两全其美的东西.
网上网赌最好最大平台的一个额外功能是以预算的形式出现的. Stay on track with your spending, move money to savings, get account alerts, and more.
兴趣及奖励
你打算经常使用借记卡吗? A checking account that rewards certain activities might be the best fit for you.
Some credit unions offer an interest-rate bonus for maintaining a higher balance, 频繁使用借记卡, 设立直接存款, 等. Other rewards perks may include a points system if you shop with certain merchants or the opportunity to earn cash back on eligible purchases.
不同年龄组的账户
If your credit union has age-specific accounts with customized perks for your time in life, 甚至更好的! From young savers to senior citizens, there are a variety of accounts available.
For example, you may want to explore accounts geared toward seniors who use checks more frequently. 如果你是一名军人或在医疗保健行业工作, you may also find accounts with rewards that speak to your needs and goals.
Arbor Financial提供为以下人群设计的支票账户 青年和年轻人. So, whether you’re just starting to count coins or heading off to college, we’ve got you covered.
既然你已经知道如何选择一个支票账户——今天就开一个吧!
探索支票账户选项似乎要做很多工作. 这样做, 然而, 会让你获得经济上的成功吗, 帮助您避免每月的维护费用, 保护你的钱.
在Arbor Financial，您可以找到最适合您需要的支票账户. All of our accounts come with loads of free features and are paired with the latest technology for speed and accessibility. No, we're not a bank; we are a people-first financial institution that is here for you!
