The first financial product many of us have is a Checking Account Altoona PA. It’s almost impossible to take care of financial transactions without having your own checking account. That said, many of us don’t want to write checks. We’d rather use a Visa debit card the same way you would use a Visa credit card. It saves a lot of time at any checkout counter to just swipe the card. The card is smaller, so if you’re wanting to be running out and about for the day, and you’re a woman who doesn’t want to carry a purse that’s big enough to put a heavy checkbook-sized wallet in, it’s easy to just carry your driver’s license, debit card, keys, and small items in a small bag and just go.
The new way to use a Checking Account Altoona PA is to maybe order a book of checks for those rare occasions for which you need to write a check. There are still a few businesses that don’t accept credit cards or debit cards, and many of us don’t carry a lot of cash, so for those times, you need to have access to checks. However, most businesses do take credit and debit cards. For your monthly bills, you can either call the merchant and give them your Visa debit card number or pay online if the merchant has a website for taking secure payments.
Another option some financial institutions may have is an electronic online bill pay service. You can pay bills on a one-time basis or set up automatic monthly payments. These are not the same thing as authorizing the merchant to debit your account for a certain amount each month, like ACH payments. You can change the settings any time so that one month, you may pay merchant A a certain amount one time only, and you may set up merchant B so that your account sends that merchant the same amount every month, such as for a gym membership.
Just in case you overdraw on your checking account, the ARC Federal Credit Union offers overdraft protection for checking accounts. Overdraft protection can help you avoid the embarrassment of the merchant returning your check and having to pay a bounced check fee at your bank.
