The simple rule of thumb is that if you have a checking account, do not issue a check if you do not have enough funds. Unless you have an overdraft account or even so, you have to understand that taking money out as a credit could mean that you are overspending. The money you lose from interest charges could add up so high and that could mean mismanaging your finances. Use your checking account smartly and if you can save money on charges and fees, much better. Opening a checking account with WaMu (Washington Mutual) is one smart move. You can enjoy the benefits of a Free Checking account in a snap. Visit their web site, for more advice on basic banking along with valuable tips for smart financial management.
