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8 Common Mistakes People Make With Their Checking Accounts

Michelle Kellett by Michelle Kellett
June 4, 2025
in Financial
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Budgeting for Self-Care: Affordable Luxuries That Don’t Break the Bank
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A checking account is a fundamental financial tool for managing everyday expenses, but many people unknowingly make mistakes that can lead to unnecessary fees, financial stress, or even account closure. Avoiding common pitfalls can help you maintain financial stability and get the most out of your checking account. Here are some of the most frequent mistakes people make and how to avoid them.

1. Overdrawing the Account

One of the biggest mistakes people make is spending more money than they have in their checking account, leading to overdraft fees. Many banks charge hefty fees for overdrafts, which can quickly add up and make it difficult to recover financially. To avoid overdrawing your account:

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  • Keep track of your balance and transactions.
  • Set up account alerts to notify you when your balance is low.
  • Link your checking account to a savings account for overdraft protection.

2. Ignoring Fees and Account Requirements

Some checking accounts come with monthly maintenance fees, minimum balance requirements, or transaction limits. Failing to meet these requirements can result in avoidable charges. Before opening a checking account, review the terms and conditions carefully. Consider switching to a fee-free checking account or an online bank if you find yourself frequently paying fees.

3. Not Monitoring Transactions

Many people fail to regularly review their account statements, making it easier to overlook fraudulent transactions or banking errors. Checking your transactions frequently allows you to spot unauthorized charges or mistakes before they become bigger issues. Use online and mobile banking apps to stay updated on your account activity.

4. Using ATMs with High Fees

Using out-of-network ATMs can result in fees from both your bank and the ATM provider. These charges can add up quickly, especially if you frequently withdraw cash from non-affiliated ATMs. To avoid unnecessary fees:

  • Use in-network ATMs associated with your bank.
  • Opt for cashback options when making purchases at retail stores.
  • Consider a checking account that reimburses ATM fees.

5. Forgetting to Set Up Automatic Payments

Missing bill payments can lead to late fees and damage your credit score. Many people forget to set up automatic payments for recurring bills, resulting in unnecessary financial penalties. If your checking account offers bill pay services, consider scheduling automatic payments for essential bills to ensure they are paid on time.

6. Not Keeping a Cushion in the Account

Some people keep their checking account balance too low, risking overdrafts or declined transactions when unexpected expenses arise. Having a small buffer, such as $100–$200, can help prevent accidental overdrafts and ensure you always have a little extra money available in case of emergencies.

7. Writing Checks Without Verifying Funds

While electronic payments have largely replaced paper checks, some people still write checks without ensuring they have enough funds to cover them. A bounced check can result in bank fees, damage your financial reputation, and even lead to legal consequences. Always confirm your balance before writing a check.

8. Sharing Account Information Carelessly

Another common mistake is sharing checking account information with others or using weak passwords for online banking. This increases the risk of fraud and unauthorized transactions. To protect your account:

  • Never share your account details with others.
  • Use strong, unique passwords and enable multi-factor authentication.
  • Be cautious of phishing scams and fraudulent emails.

Avoid Mistakes That Cost You Money

A checking account is a valuable financial tool, but making mistakes with account management can lead to unnecessary fees, financial setbacks, and security risks. By staying informed, monitoring transactions, and using account features wisely, you can maximize the benefits of your checking account and maintain better control over your finances.

Michelle Kellett

Michelle Kellett

Deputy Editor, Investing and Corporate News

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