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Verify that all checks you have written have been deposited.

If a deposit doesn’t appear, take your deposit receipt to your bank or credit union for assistance.

Confirm that any deposits were credited to your account.

Unrecognized charges could be the result of identity theft or a compromised account and should be reported to your bank, and possibly law enforcement, immediately.

Make sure all charges are correct and were initiated by you.

When reviewing your account information, you should:

Otherwise, you’ll want to review your transactions at least once per month using your statement or an online banking portal. Ideally, you’ll write down every purchase and save every receipt, always knowing your true account balance – especially if your account balance is often near zero.

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How to Manage Your Account in Three Steps Otherwise, you will likely have to pay a retrieval fee for older statements if you need them later.

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If they’re available for just one year, for example, you will need to download them periodically and store them yourself. If you bank online exclusively, meaning you never receive paper statements, make sure you understand how long your statements will be available online.

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Staying Organized - Taking full advantage of the online services offered by your financial institution is usually the easiest way to stay organized, reducing the risk of missed payments that could hard your credit report and credit score.

Exporting Account Information - You can easily export your transactions to a money management program such as Quicken or even to a simple spreadsheet for easy tracking over time.

For example, you may be able to set up an alert when your balance reaches a certain threshold or as a reminder to pay a bill.

Automated Alerts - You can often set up alerts for common situations.

Electronic Bill Payment - Paying bills online not only saves stamps, it helps to reduce the chances that you will miss a payment as the result of a move or trip away from home.

24 Hour Account Access - Rather than waiting for a statement, calling an automated information line, or visiting an ATM, online account management gives you near real-time access to your balance and transactions.

While online account management is not the only way to effectively manage your accounts, it does have many advantages. Most banks and credit unions offer online banking tools that make managing your accounts easier than ever.

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Bank statements are often needed for tax returns, financial aid verification and in the event of a tax audit. No matter which type of statement you prefer, remember to save your statements for a minimum of three years and up to seven years. Most banks offer the option of either electronic or paper statements. It is ultimately your responsibility to monitor your account activity. Otherwise, you could be charged overdraft fees, your transactions could be declined, or you could even be charged late payment or bounced check fees from merchants. The same is true with any debit card transactions made without entering your PIN - it will generally take a day or two for the money to be withdrawn from your account and reflected on your statement.īy tracking your deposits, transfers, and withdrawals, you can make sure that you don’t spend more money than you have. But your financial institution doesn’t know that a check has been written until it’s been presented to the bank for payment, so your account balance isn’t telling the whole story at all times. For all practical purposes, that money has been spent - it’s just a matter of time before the postal service delivers the check and it’s deposited. How could your bank not know the true balance? Think about mailing a check to pay a bill. Actively managing your accounts ensures that you always know your account balances, even when the true balance may differ from the amount printed on your last statement or ATM receipt.