A lot of us have checking accounts along with a savings account for better services. But more often than not, we let the former languish and do not use it to its full potential. If you also hold a checking account and are looking for ways to get more out of it, then there are certain steps that you may just be ignoring until now. Here are some great tips for optimizing a checking account that everyone should be aware of.

• Get automation working for you
  With digital banking making things so easy, it is best to go for automated processes. You can consider setting up a direct deposit and if it isn’t a part of your professional payment methods yet, discuss it with your employer so your paycheck is in the account directly. You can also set automatic transfer methods which directly sends your money from a checking account to your saving account. This can help you save up for important goals and you would not even need to remember this on a monthly basis. Additionally, you can set up automatic bill payments too. This will help ensure that you get the most out of your checking account.
• Use technology to stay updated
  While many apps can connect you with your balances, there are certain apps that you can consider using otherwise, too. From apps that update you about your bank balance to apps that update you about your expenditures, there is a wide variety of choices you have. Here is how we recommend you pick the right tool to make the most of your banking experiences — start by setting a goal (saving, budgeting), understand the features carefully, and sync it with your bank account to get a proper update.
• Know all that your banking app has to offer to you
  While you can go for a third-party app, it is often true that you will find everything you need in the app provided by your bank itself. This app can be your one-stop solution to paying bills, direct deposits, and can even help you make direct transfers while on the go. It keeps you updated about your account activity and also lets you know the balance whenever you need to see it.
• Know about the interest rates offers
  One of the top tips for optimizing a checking account suggests that you can actually just deposit money in it and gradually manage it in a much more efficient manner. For increased savings, you can open a savings account with the same back and link the two. Put the excess money into your savings account via automated deposits and you will not only have regular accessible cash but also cash you can earn interest on!

Use the aforementioned tips for optimizing a checking account and you surely will be able to keep a better tab on your finances.