Banking is Easy with Free Checking

In today’s technologically savvy world, we do much of our work online or through our mobile devices. Even when it comes to banking, we can fully operate our accounts online or through an app on our smart phone. We can access our accounts without any time or place restrictions, and as a result, banks and other financial institutions are updating their online services to provide easier use to tech savvy customers.

In addition to online banking activities, some banks offer their customers free checking accounts. Such accounts offer customers the ability to keep a low minimum balance in their account while still maintaining a good credit history. MA banks with free checking are very useful for customers who want to bank responsibly and still maintain a good credit line. Along with online access to their accounts, a free checking account is especially popular with those who don’t want to keep a large minimum balance or pay monthly fees.

Some of the features that a free checking account offers are:

·         Free first order of checks.
·         Free ATM/Debit card and use of SUM ATMs worldwide.
·         Free online banking and automatic bill payment.
·         Free 24-hour telephone banking.
·         Easy to access e-statements.
·         No annual fees for ATM/Debit card maintenance.

Some basic things to keep in mind when opening a free checking MA account are:

      1.   The customers should try to maintain a positive balance in their account and not overcharge. As long as there is no overdraw, no service charges or fees will be incurred.

2.       It is advisable to use ATMs that are a part of the SUM surcharge-free ATM network as to not incur any ATM charges.

MA banks with free checking are also giving their customers the ability to open their accounts online. One can browse through a bank’s website, read through their free checking account section and decide whether to open an account at that bank.

With all the recent increases in checking account fees and requirements, it's become more difficult to find a free checking account that is truly free. Aside from a savings account, checking accounts are one of the most basic and essential financial tools used every day by adults and teenagers alike. It is essential that you do your homework before you chose where to bank. Your first step should always be to understand your personal needs and banking habits before you sign up for a free checking MA account at any Massachusetts bank.