Summer is a time for fun, but it’s also a time when expenses can add up fast. Whether you're planning a weekend getaway, attending a local festival, or just trying to manage higher utility bills, your checking account can help you stay on track.

With a few smart moves, you can stretch your dollars further and make everyday banking easier.

First, what is a checking account?

A checking account is a tool for managing your day-to-day money. You can deposit your paycheck, pay bills, and make purchases with ease. The best checking accounts with no fees even offer perks like interest, free ATM usage, and mobile tools to help you stay in control. Here are four smart ways to get the most out of your checking account.

1. Set up direct deposit for faster access to funds

With direct deposit, your money goes straight into your account. That means no waiting and no unnecessary trips to the branch. 

2. Use mobile banking to stay on budget

Mobile banking helps you manage your money wherever summer takes you. Check balances, transfer money, and pay bills in real time. You can even set up text alerts to avoid overdrafts or overspending. 

3. Find the right account for your lifestyle

Not all checking accounts are created equal. If you’re asking, “What banks offer free checking accounts?” you may want to look beyond traditional banks.

At Credit Union of Ohio, we offer checking accounts with no fees, no minimums, and easy-to-use digital tools. Some accounts even help you earn interest on your balance!*

4. Open an account online, anytime

You might be wondering, can I open a bank account online? The answer is yes! If you live, work, worship, attend school in an eligible community, or are part of a Select Employer Group, you can join Credit Union of Ohio and open your account online. Plus, opening an account online is fast, secure, and only takes a few minutes.

Your checking account should work for you when you bank smarter. By using features like direct deposit and mobile banking, you can make this your most financially savvy summer yet.

Open your account online today, call 800.443.5698, or stop by your local branch to learn more.