Once you’ve set up a checking account, you can have your employer directly deposit your pay into your account. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. ^Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.ĢEarly access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Credit Builder card issued by Stride Bank, N.A.ġSave When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account. Banking services and debit card provided by The Bancorp Bank or Stride Bank, N.A. Chime Disclosure - *Chime is a financial technology company, not a bank. But financial apps like will let you open an account instantly with no minimum balance or monthly fees, so there’s really no disadvantage to having a checking account. The two most common reasons why Americans don’t open checking accounts are a) they don’t believe they have enough cash and b) they want to avoid bank fees. Plus, opening a checking account establishes your credit history (more on that later). While physical cash is vulnerable to loss or robbery, the money in your checking account is insured for up to $250,000, meaning that if the bank gets robbed or goes out of business, you won’t lose your money. Storing your cash somewhere at home may have kept things simple when you were a teen, but you’ll want to open a checking account as soon as possible. If you haven’t already begun depositing your cash and payments into a checking account, you’ll need to complete this step before moving on to the rest of this list. Surround yourself with friends and family who are smart with money Buy health insurance (or check your existing benefits) Save on pre-owned goods using Facebook Marketplace Switch to a pay-per-mile auto insurance policy Buy a cheap, reliable car (or none at all) Get a credit card that fits your lifestyle
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