4 tips for maximizing checking accounts

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Today’s checking accounts are about a lot more than checks.

In fact, it’s a wonder these financial products haven’t been given a new name since paper checks are just one of the many benefits and services that checking accounts now offer consumers.

Checks aren’t going away. Rather, they’re the foundation on which so many other checking account services are built, says Nessa Feddis, deputy chief counsel for consumer protection and payments at the American Bankers Association, a Washington, D.C.-based industry group.

“Most banks offer what we would call a full-service checking account, and that covers everything from checks to debit cards, direct deposit, online bill pay and mobile banking,” Feddis says.

Here’s how to maximize your checking account.