Bank Smarter: Manage Your Money & Build Credit

A checking account is for everyday spending—like paying bills and using a debit card. A savings account is for storing money you don’t plan to use right away, often earning interest.

Yes. A bank account makes it safer and easier to manage your money. It helps you get paid, pay bills, save securely, and build credit history in the U.S.

Bank fees include charges for overdrafts, monthly maintenance, or using out-of-network ATMs. You can often avoid them by keeping a minimum balance or choosing a fee-free account.

A debit card pulls money directly from your checking account. A credit card lets you borrow money up to a limit and pay it back later—usually with interest if not paid in full.

Yes, as long as you use strong passwords and avoid public Wi-Fi. Most banks use encryption and security tools to protect your information.

Look for low fees, good customer service, easy-to-use apps, and access to ATMs. Compare banks and credit unions to find what fits your needs.