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Bank Like a Boss: Tips on Picking the Best Checking Account

Mar 15, 2024

By now, most individuals in their thirties understand the importance of having a good Checking Account with a financial institution they can trust. They also know that not all Checking Accounts are created equally, so doing your homework is crucial in order to find the perfect fit for your financial needs. If you want to bank like a boss, consider Peach State versus a national bank for the best Checking Account, no matter your situation. 


Why a Credit Union Checking Account?

Credit unions are a wonderful option for anyone who wants to open the best Checking Account that offers benefits to their members.

Benefits of a Credit Union Checking Account

  • Lower Fees
  • Fewer Minimum Requirements
  • Better Rates
  • Superior Personal Customer Service
  • Deposits are Protected by the National Credit Union Share Insurance Fund for up to $250,000. At Peach State, your accounts are also insured up to an additional $750,000 with coverage by Excess Share Insurance Corporation (ESI), a licensed insurance company, for a combined coverage of up to $1,000,000. 

Your local credit union is here to support the financial journey for all members. Whether you're just starting out, reorganizing your finances, or progressing well on your financial path, Peach State offers a variety of different Checking Account options to fit your unique situation.


Tailored Checking Options at Peach State 

Peach State offers a variety of diverse Checking Accounts for members, including: 

  • Basic Checking  This account is the perfect choice for those who need the basics with no monthly service fees or minimum balance requirements. 
  • eXtreme Checking – Created for members ages 14-21, this account offers a great solution to help you get started with your first checking account.1
  • Fresh Start Checking – This account is for those who are rebuilding their financial history and may have had issues getting approved for a traditional account elsewhere.
  • Premium Checking – Members get all the perks of basic checking with the added benefit of earning dividends. 

Choosing the Right Checking Account

Savvy thirty-somethings can utilize their Checking Accounts for daily financial management and savings if they choose the right one. When searching for the best Checking Account to fit your needs and help meet your financial goals, these are some key features to consider.

  • No or Low Fees 
  • No Minimum Balance Requirements
  • Online and Mobile Banking Options 
  • Benefit of Earning Dividends

Also, be sure to look for reward programs and other complementary services that may come with your Checking Account, like Peach State’s Visa Debit Card Round Up Program, a smart savings tool for members. Every time you make a purchase with your Visa Debit Card, it will be rounded up to the nearest dollar and the excess funds will be deposited into your Round Up Savings Account overnight.2 This perk makes savings simple and convenient. 


Enhancing Your Checking Experience with Complementary Services

Since we are a technology-driven culture, having complementary digital banking options with a Checking Account is a definite plus. Peach State offers a variety of digital services to meet members’ high-tech needs and stay connected from anywhere, anytime. 

  • Digital Banking – Enjoy the convenience of Online and Mobile banking at your fingertips for tasks such as managing your Checking Account, transferring money, paying bills, and more.
  • Mobile Wallet Integration – For seamless transactions every time you shop, use the convenient Mobile Wallet to store your Peach State Visa Debit Card so you can securely make purchases from your phone.
  • Direct Deposit Services – Peach State’s direct deposit service is a simple and secure way to deposit any recurring check, like your weekly paycheck, into your account without the need to visit the credit union.  

Community Impact with Peach State Visa C.A.R.E.S. Debit Card 

Peach State prides itself on giving back to the local community and one way is via the Peach State Visa C.A.R.E.S. Debit Card Program. For every purchase a member makes with a Peach State Visa Debit Card, Peach State will donate a nickel to the C.A.R.E.S. Foundation to support local non-profits, school systems, and the arts in the community. All members can help when they choose to use their Peach State Visa Debit Card instead of cash, checks, or other credit cards for purchases. Together we can make a meaningful impact in the community! 

1 1 Young adults under the age of 18 must have a parent or guardian as a joint owner on their checking account. View all fees.
2 A separate club account will automatically be opened when signing up for and using the Visa Debit Card Round Up program.

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