--- title: 7 Tips for Making the Most of Your Checking Account description: It’s easy to overlook checking accounts. Here are seven tips to help you put your checking account to work as you continue your personal finance journey. image: https://rmcu.net/hubfs/RMCU-Tips-for-Financing-Your-First-Car-blog-Header(1).jpg --- [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) [Online Banking Login](https://banking.rmcu.net/auth/signin) [Online Banking Login](https://banking.rmcu.net/auth/signin) [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) - - [Home Loans](https://rmcu.net/home-loans) - [Personal](https://rmcu.net/personal) - [Business](https://rmcu.net/business) - [Membership](https://rmcu.net/membership) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Contact Us](https://rmcu.net/contact-us) - Search - [Financial Education ▾](https://rmcu.net/blog/7-tips-for-making-the-most-of-your-checking-account#financial-education-nav) - [About RMCU ▾](https://rmcu.net/blog/7-tips-for-making-the-most-of-your-checking-account#about-rmcu-nav) - [Security](https://rmcu.net/membership/security) - [TruStage: Security Alert](https://rmcu.net/trustage-security-alert) - [Money Mastermind](https://rmcu.net/money-mastermind-lessons) - [Financial Counseling](https://rmcu.net/financial-counseling) - [Savvy Money](https://rmcu.net/membership/financial-education/savvy-money) - [Blog](https://rmcu.net/blog) - [Resources](https://rmcu.net/resources) - [RMCU Team](https://rmcu.net/membership/about-rmcu/rmcu-team) - [Member Information](https://rmcu.net/membership/about-rmcu/member-information) - [Annual Meeting](https://rmcu.net/membership/about-rmcu/annual-meeting) - [Community](https://rmcu.net/membership/about-rmcu/community) - [Our History](https://rmcu.net/membership/about-rmcu/history) [back to blog](https://rmcu.net/blog) [Tips from the Pros](https://rmcu.net/blog/topic/tips-from-the-pros) # 7 Tips for Making the Most of Your Checking Account Read Time **2 mins** | Written by: Rocky Mountain Credit Union [mailto:?subject=7%20Tips%20for%20Making%20the%20Most%20of%20Your%20Checking%20Account&body=https%3A%2F%2Frmcu.net%2Fblog%2F7-tips-for-making-the-most-of-your-checking-account](mailto:?subject=7%20Tips%20for%20Making%20the%20Most%20of%20Your%20Checking%20Account&body=https%3A%2F%2Frmcu.net%2Fblog%2F7-tips-for-making-the-most-of-your-checking-account) ## 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.    ![RMCU-Tips-for-Financing-Your-First-Car-blog-2(1)](https://rmcu.net/hs-fs/hubfs/RMCU-Tips-for-Financing-Your-First-Car-blog-2(1).jpg?width=2894&height=1929&name=RMCU-Tips-for-Financing-Your-First-Car-blog-2(1).jpg) ## 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.](https://rmcu.net/hs-fs/hubfs/RMCU-Tips-for-Financing-Your-First-Car-blog-3(1).jpg?width=2894&height=1929&name=RMCU-Tips-for-Financing-Your-First-Car-blog-3(1).jpg) ## 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](https://blog.rmcu.net/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](https://blog.rmcu.net/300-checking-promo)\* 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. ##### Rocky Mountain Credit Union Share the Love [mailto:?subject=7%20Tips%20for%20Making%20the%20Most%20of%20Your%20Checking%20Account&body=https%3A%2F%2Frmcu.net%2Fblog%2F7-tips-for-making-the-most-of-your-checking-account](mailto:?subject=7%20Tips%20for%20Making%20the%20Most%20of%20Your%20Checking%20Account&body=https%3A%2F%2Frmcu.net%2Fblog%2F7-tips-for-making-the-most-of-your-checking-account) You May Like These ## Related Articles ![](https://rmcu.net/hs-fs/hubfs/RMCU_how-to-choose-a-checking-account-blogHeader.jpg?width=700&name=RMCU_how-to-choose-a-checking-account-blogHeader.jpg) Budgeting and Saving ### [How to Choose a Checking Account](https://rmcu.net/blog/how-to-choose-a-checking-account) Choosing the right checking account is especially important. Here are a few things to consider when ... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/RMCU_Advantages%20of%20Opening%20a%20Summit%20Checking%20Account_1.jpg?width=700&name=RMCU_Advantages%20of%20Opening%20a%20Summit%20Checking%20Account_1.jpg) Checking & Savings ### [The Advantages of Opening a Summit Checking Account with RMCU](https://rmcu.net/blog/the-advantages-of-opening-a-summit-checking-account-with-rmcu) Here are just a few of the advantages you can look forward to when you open your Summit Checking acc... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/RMCU-Benefits-of-having-a-Checking-and-Savings-Account-Blog-Header.jpg?width=700&name=RMCU-Benefits-of-having-a-Checking-and-Savings-Account-Blog-Header.jpg) Financial Literacy ### [6 Benefits of Having a Checking & Savings Account](https://rmcu.net/blog/6-benefits-of-having-a-checking-savings-account) Here are a few of the benefits of having both a checking account and a savings account. Keep Reading ## [**FOLLOW US ON INSTAGRAM**](https://www.instagram.com/rockymountaincu/?hl=en) - [Privacy Policy](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/Privacy_Notice.pdf) - [ADA Compliance](https://rmcu.net/ada-compliance) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Fee Schedule](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) ![Equal Housing Leader](https://rmcu.net/hs-fs/hubfs/raw_assets/public/RMCU_2022/images/home-lender-logo.png?width=140&name=home-lender-logo.png "Equal Housing Leader") ![American Strategic Insurance](https://rmcu.net/hubfs/raw_assets/public/RMCU_2022/images/asi-logo.svg "placeholder_200x200") Each account is insured by American Share Insurance up to $250,000. By members' choice, this institution is not federally insured. [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) All share and loan accounts are subject to membership eligibility. 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