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Check yosuch as unauthorized activity earlier – without having to wait for your paper statement. You usually can notify your bank or credit union account of errors through the online or mobile banking app or chat functions.
Often, you can see deposits and charges that are pending, meaning they have not posted to your account yet. Note that for pending debit card transactions, the amounts you see may not be the same as the final amount that posts to your account. Be sure to check your bank’s or credit union’s funds availability policy before assuming that pending deposits are available for making payments or withdrawals.
Consider whether you would like to continue to receive paper versions of your periodic statements and other documents. Your bank or credit union may prompt you to go paperless while you set up online banking.
Most banks and credit unions allow you to set up automatic notifications to help you manage your account and alert you when any of the following happen: a direct deposit is received, a large payment is charged, your balance falls below a certain amount, your account is in overdraft, and more. Often, bank and credit union online portals offer you the ability to sign up to get these alerts via text, email, or both.

Register for access to your bank or credit union’s online banking platform
The first time you visit, you’ll follow the prompts to create an online account. You will answer questions Online Guide for Banking to prove it’s really you, choose a username and password, and set up security features and preferences . Be sure to create strong passwords and do not use the same password for all accounts. Don’t use information such as addresses and birthdays in your passwords. For more tips on how to create strong passwords read more on the Federal Trade Commission’s (FTC) blog .

These alerts can help ensure you stay informed without having to log in to your account several times a day.
Most banks and credit unions will allow you to deposit checks using your smartphone and a mobile app. You might not be able to deposit all types of checks this way, so check with your bank or credit union if you have any questions. The mobile app makes it easy to deposit a check in a few steps:
Download your bank or credit union’s app on your smartphone if you haven’t already.
Understand any rules your bank or credit union has about mobile check deposit.
Follow the directions in the mobile app to deposit the check
Hold onto the check for several days after deposit until you are sure it has posted to your account meaning that it is no longer pending and any holds your institution has placed have expired.
Destroy the check once it’s cleared by shredding it or tearing or cutting it up.
If you need to transfer money between accounts, or even between financial institutions, your online banking or mobile app likely offers you options to do that. Make sure you understand the terms and conditions of your transfer and double check that you are using the correct account and routing numbers when making any transfers.
There’s a good chance your financial institution offers a way to send money person to person, too. Before you use any mobile payment services, check out our best practices guide to make sure your transactions are done safely. You can test it out by transferring a small amount, like a dollar, back and forth. That way you’ll be sure your money goes where you want and you receive money you’re owed.