A checking account, also known as a bank account, is provided through financial institutions such as banks, credit unions and other facilities. Checking accounts offer the use of checks and deposits that can be used for a variety of reasons, such as paying bills, depositing checks, distributing checks and much more. A checking account has a unique account and routing number that can be seen on the bottom of the check. These numbers will also be seen in your account for clear transparency in terms of which account your checks are coming from.

A checking account is different from a savings account. A savings account is not intended for everyday use and a savings account can accrue interest the longer you keep a certain dollar amount in the account.

A checking account is a great, secure way to manage finances. Opening a checking account allows for easy management and transparency of your money. A checking account also records all your transactions, which is another way to balance your checkbook and keep your finances up to date. There are a few tips to consider before and while you are opening a checking account.

1. Consider your current and long-term financial needs. Is a checking account right for you? This depends on a variety of factors such as age, income and future financial aspirations.
2. How often will your funds need to be deposited and/or dispersed? The more often these functions are needed, the more important a checking account with adequate personal check use will become.
3. Evaluate banks and financial institutions. Doing research on what bank is right for you is important before you take steps on how to open a checking account. There are a variety of factors to think about such as the offerings of the bank, location, online options and accessibility nationally.
4. Next, you will need to set up a time to visit the bank. This is typically done in person. Remember to bring a form of identification and proof of address. If you are under 18 years old, you will need to bring a guardian or parent to co-sign the checking account.
5. Ask about accessing your checking account online. An online checking account is a great option for your mobile phone, tablet or computer, which provides you access to check your finances on the go.

The financial institute that you select for opening a checking account may offer you a box of checks. However, Bradford Exchange Checks offers personal checks as low as $3.50 a box, which can be as much as 80 percent less than what the bank will charge you. Bradford Exchange Checks also has hundreds of designs to choose from that will highlight any of your interests or personality, while ensuring your checks are secure and connected to your checking account.