Thursday, January 2, 2014

Four Real Reasons That Everyone Needs A Checking Account


In this age of Paypal and Isis, it might seem that personal checking accounts have basically become obsolete. However, there are still very viable reasons to have a checking account that go beyond the obvious reasons.

1. Automatic Direct Deposit


When you get paid each week, you have to go through a long process to cash your checks out or get them deposited into Paypal. With a checking account, you can have your check deposited remotely by your employer and save yourself a lot of time and effort. Wouldn't you prefer to start your Friday evening off earlier, instead of finding somewhere that is still open that can cash your check for you?

2. Insurance


Many insurance companies will not issue a policy if you do not have a checking account, since so many rely on automatic withdrawals. The days of door to door insurance salesmen collecting your premiums are gone. Not only that, but utility payments and other bills can all be taken out automatically, saving you time and money. It may not seem like it, but when the payments are withdrawn before you see them, it doesn't seem like as high a payment.

3. You can personalize your checks


Who doesn't like a check that reflects who they are? With creative checks, you an let your personality shine through with a check book customized to however you like it. Whether you want airplanes, kittens, or the picture of your children, companies can print personal checks in anyway fun, creative way you can imagine. Can you imagine the look on the cashier's face as you pull out a check book adorned with the supermodels?

4. A checking account allows the use of debit cards


Instead of carrying cash, which is a safety risk, you can simply use a debit card. There are banks that allow for the reimbursement of fees associated with card usage, and it makes it easier to carry a single card than several hundred dollars at a time. If you find yourself going out at night a lot, it's safer to not flash money around – and debit cards solve this issue. They also provide instant access to the money in your bank account, eliminating ever being short of cash at the register.


With a checking account, life becomes easier overall. Not only do you NOT have to store money under your mattress, but the variety of ways you can access your funds increases.In this age of Paypal and Isis, it might seem that personal checking accounts have basically become obsolete. However, there are still very viable reasons to have a checking account that go beyond the obvious reasons.


1. Automatic Direct Deposit


When you get paid each week, you have to go through a long process to cash your checks out or get them deposited into Paypal. With a checking account, you can have your check deposited remotely by your employer and save yourself a lot of time and effort. Wouldn't you prefer to start your Friday evening off earlier, instead of finding somewhere that is still open that can cash your check for you?

2. Insurance


Many insurance companies will not issue a policy if you do not have a checking account, since so many rely on automatic withdrawals. The days of door to door insurance salesmen collecting your premiums are gone. Not only that, but utility payments and other bills can all be taken out automatically, saving you time and money. It may not seem like it, but when the payments are withdrawn before you see them, it doesn't seem like as high a payment.

3. You can personalize your checks


Who doesn't like a check that reflects who they are? With creative checks, you an let your personality shine through with a check book customized to however you like it. Whether you want airplanes, kittens, or the picture of your children, companies can print personal checks in anyway fun, creative way you can imagine. Can you imagine the look on the cashier's face as you pull out a check book adorned with the supermodels?

4. A checking account allows the use of debit cards


Instead of carrying cash, which is a safety risk, you can simply use a debit card. There are banks that allow for the reimbursement of fees associated with card usage, and it makes it easier to carry a single card than several hundred dollars at a time. If you find yourself going out at night a lot, it's safer to not flash money around – and debit cards solve this issue. They also provide instant access to the money in your bank account, eliminating ever being short of cash at the register.


With a checking account, life becomes easier overall. Not only do you NOT have to store money under your mattress, but the variety of ways you can access your funds increases.


Do you have have any questions or suggestions? Write in comment section.

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