Checking accounts provide convenient, safe access to your money using a debit card, ATMs or check writing, avoiding the need to carry cash. Another advantage is the ability to setup direct deposit of your paycheck or other recurring payments, eliminating a trip to the bank and giving you faster access to funds. Additionally, you get access to mobile and online banking where you can monitor your account, transfer funds and pay bills online. And, you can use a variety of digital tools to help you monitor and manage your money efficiently.