How to Manage My Checking Account Online

Managing a checking account online gives you 24-hour access to information about your account. Virtually all banks and credit unions offer online banking, allowing you to easily view deposits, debits, credits and other transactions, such as money transfers. Some banks even offer immediate online help from a live customer service representative during certain hours. People with online checking accounts can also perform important online functions related to their account, such as ordering a stop payment on a check.

Instructions

1

Enroll in online banking with your bank or credit union. Call the customer service number on the back of your debit card. Ask for customer support online banking. Explain to the representative that you wish to enroll in online banking and need information on how to begin. Get the web address and brief instructions from the representative. Then visit the online banking site to enroll. Otherwise, visit the bank to open an account and learn about online banking.

2

Use your checkbook register to make paper notes of transactions such as checks you write or debit card charges. Keeping a list allows you to compare use of your checking account against information shown online. For example, online banking will not show outstanding checks. But your paper register will serve as a reminder.

3

Review the online account to view your current balance, verify withdrawals and view images of paid checks. Also activate options for receiving free email alerts, such as when a specific check is paid or your balance drops below a certain level.

4

Track your spending by activating features for managing your budget online. Features vary depending on the bank or credit union. Typically, online checking accounts allow the user to track spending in categories such as groceries, gas and utilities. Many online checking accounts also allow for paying bills, such as credit cards and utilities, electronically.