Your checking account is more than just a place to store your money. It’s a financial tool that needs to work for you. Whether you’re managing everyday expenses, saving for a goal, or just trying to keep things simple, finding the right account can make all the difference. Here’s how to find the one that fits your needs and makes managing your money easier.
Match Your Account to Your Lifestyle
Your checking account should work seamlessly with your day-to-day habits. Consider these key questions:
Do you want online and mobile banking?
Online and mobile banking is convenient and helps you stay on top of your finances wherever you are. Check out Horizon's online and mobile banking features here.
Do you write checks often?
If checks are a regular part of your financial routine, look for an account, like a Horizon checking account, that doesn't charge you for writing checks. This way, you won’t have to worry about extra fees when you use your checkbook.
Do you want overdraft protection?
Life happens, and sometimes balances dip lower than expected. Accounts with overdraft protection can help cover transactions when funds are short. While there may be a fee for this service, it’s usually lower than overdraft penalties and ensures your payments go through. Horizon offers overdraft protection for most checking account types.
Do you use ATMS frequently?
If cash withdrawals are a regular need, pick an account with a broad ATM network or one that reimburses out-of-network ATM fees. This can save you money and hassle. With a Horizon account, you can access more than 30,000 ATMs nationwide!
Are maintenance fees a dealbreaker?
Many accounts today offer no monthly maintenance fees, so it’s worth shopping around for one that provides essential features without unnecessary costs. (We'll make it easy on you: Horizon checking accounts have no monthly service charge.)
Interest-Earning Accounts
The main appeal of a checking account is easy access to your money. Not all checking accounts earn interest, but it's a nice perk when they do! Horizon's Summit checking is a great interest-earning account option if you're... interested.
If growing your balance is a goal, consider pairing your checking account with a money market account or certificate of deposit (CD) for the best of both worlds.
Simplify Your Banking Experience
By understanding your needs and exploring your options, you can find a checking account that simplifies your life and helps you avoid unnecessary fees. Take the time to compare your choices and you’ll discover an account that’s just right for you in 2024 and beyond.
If you need a place to start, check out Horizon's free checking options! With no monthly service charge, no per check fees, overdraft protection, access to 30,000+ ATMs and top-notch online and mobile services, you may not have to search for long.