Checking Account Resources

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New to checking accounts, wondering why you should get one, or just looking for some good tips? You've come to the right place!

Tools

• The Elements of a Check and Check-Writing Learn tips about writing a check as you explore this interactive version of a sample check. Includes some good security tips!
• Three Ways to Endorse a Check This interactive version of a sample check back shows you 3 different ways to endorse a check when cashing it, and why you would choose one over another.
• Understanding Your Monthly Member Statement This interactive version of a sample member statement will help you understand its content and show you where to find valuable information about your account.

Learning Library

• Courtesy Pay & Overdraft Protection Frequently Asked Questions (FAQs) Frequently Asked Questions about how Provident Credit Union can protect your checking account from becoming overdrawn (having a negative balance).
• Why Get a Checking Account? Three good reasons why you would want to have a checking account.
• Balancing Your Checkbook Learn why balancing your checkbook is important, and how to do it in three easy steps.
• All About Debit Cards Find out what a debit card is, why you should have one, and tips on how to best use it.
• Understanding the Check 21 Law The Check Clearing for the 21st Century Act (Check 21) went into effect in November of 2004, ending the ability to "float" checks. Learn what this means to you.
• You Can Avoid ATM Surcharges Here's three ways (count 'em!) to avoid those buck-fifty or more surcharges that other banks impose when you use their ATMs. These tips can add up to a big difference.
• ATM Deposits vs. Direct Deposit Avoid the 48-hour hold on ATM deposits, and have access to your pay the same morning your paycheck is issued. It's easy and its free!
• Smart and Safe Travel Tips Make your vacation less stressful by following these tips for playing it smart...and safe.
• Making Payments by Phone If you want to use your checking account to make payments by phone, you will need Provident's routing number and your account number. Here is more information on both.
• Sending or Receiving Wire Transfers Clear information on what you need if you are sending or receiving a wire transfer with Provident Credit Union, either domestically or internationally.

Other Sites

• Consumer Guide to Check 21 and Substitute Checks One of the most important changes to come from Check 21 is the reduction in float time when you write a check. Learn more at this Federal Reserve Board Web site.