a是什么? 支票账户?

如果你以前没有支票账户的话, you may be surprised at a checking account’s functionality. 如果你已经有了, keep reading – you may find new features that can help your financial journey.

Here are the basics: A checking account (or share draft account as it used to be called) is a financial account that lets you move money in and out to cover day-to-day expenses. You can use a checking account to transfer money electronically, 网上支付, pay for in-person purchases, connect to cash-paying apps, and 写检查.

Keep reading to learn more about 支票账户, how much they cost, and how to use them.

一个 核对账户工作?

支票账户是你钱的储存库. There are several ways you can deposit money into a checking account:

• 存支票 (你可以用我们的 手机应用程序 或者去一家分店)
• 用电子方式转账
• 现金存款
• Transfer money from an associated savings or checking account
• 收到你的薪水或福利付款通过 直接存款

You can also withdraw money from a checking account by:

• 开支票 给别人
• 在自动取款机上使用借记卡
• 支付交易费用
• 电子转账

In the old days, if you had a checking account, you had to balance your checkbook monthly. 今天，支票和支票簿已经不那么常见了. 相反，大多数会员使用 网上银行 和 手机应用程序 跟踪他们的余额和交易.

类型的 支票账户

Contrary to what many people think, there isn’t only one type of checking account. You can often choose from one of the following types:

学生检查: These accounts will often have lower requirements than regular 支票账户, such as no minimum balance or no monthly maintenance fees.

定期检查: These accounts may often charge a series of fees, and often come with a free 借记卡. The monthly service fee, if there is one, may be waived if you maintain the minimal required balance. Some credit unions and banks offer 支票账户 without a monthly fee – like our 免费支票帐户.

感兴趣的检查: These accounts will pay interest on the amount in the checking account. This interest rate may be comparable to what you might find with some savings accounts.

什么是支票账户 用于?

Most people use 支票账户 to pay their bills from or to hold their money until they transfer it to another account, like a savings or investment account that earns a higher return.

检查 accounts are meant for everyday transactions because it’s set for easier money movement via a 借记卡, 检查, Zelle®, 账单支付, 和更多的.

If you need to access money as quickly as possible, a checking account gives you the most flexibility compared to a savings or money market account.

提示 & 事实

检查 accounts are perfect for everyday transactions because there’s usually no limit on the number of 取款 or deposits.

常见的检查 账户的费用

检查 accounts may come with the following fees:

• 最低余额要求: Some 支票账户 charge a fee if you do not maintain a minimum balance.
• 每月维护费: Many banks charge monthly fees if you have a checking account. Sometimes these fees can be waived if you have 直接存款 associated with the account or if you have a certain amount in the account.
• 检查: Some banks provide free 检查, while others will charge you if you order a set of 检查.
• 资金不足费: If you do not have enough funds in your account and a transaction attempts to go through, 你可能会被收取NSF费用.
• ATM的费用: Withdrawing funds from an out-of-network bank or credit union may result in an extra fee.
• 电汇: Most 支票账户 come with a fee if you send money or receive money via wire transfer.
• 活动费用: 如果没有交易, 取款, transfers or other types of activity on your account for a long period of time, 你可能会被收取不活动费. 你的账户甚至可能因为不活跃而被关闭.

Patelco费用在 我们的收费表. On the first page, you can also see our fee-free products and services.

我能买多少? 透支我的支票账户?

When you use a 借记卡, the money will come from your checking account. And if you try to spend more money than is in your account, 这会导致你透支账户. This can come with a large fee that can be charged daily until the account is in the black. Every bank and credit union is required to disclose their fees, which can vary greatly depending on the financial institution. (我们的 收费表在网上 so you can see all the fees associated with our 支票账户.)

Not all 支票账户 are set up for overdrafts. 如果你的账户不允许透支, then you will not be able to complete a transaction if you don’t have enough money in your account. 商人会拒绝你的交易. This will also result in a non-sufficient funds fee.

Some 支票账户 will allow for overdraft protection and will connect your checking account to a savings account. When you go over your checking account amount, the funds will be withdrawn from your savings account.

是一个 借记卡，支票账户?

A 借记卡 和支票存款不一样吗. 然而, 当你开一个支票账户时, you will often receive a 借记卡 that lets you pay for items by accessing money from your checking account. 你也可以用借记卡取钱, either at an ATM or as cash back when paying for something in person.

而借记卡可能看起来像信用卡, they should be treated like cash because it accesses funds directly from your checking account. 如果你丢了借记卡，一定要 立即报告.