Buzz
Thanks to smartphones and the widespread use of credit and debit cards, accessing your bank account has become incredibly convenient. However, this ease of access also means your balance can deplete faster than expected. Regularly monitoring your bank balance and reviewing recent credit and debit transactions can help you avoid potential errors. You can check your balance using an ATM, your bank’s website, a mobile banking app, or by visiting the bank in person.
Steps
Check Your Bank Account Balance Using an ATM
Obtain an ATM/debit card. Ensure your card is activated and you know your Personal Identification Number (PIN) before heading to the ATM. In some cases, the card will activate the first time you insert it into the machine.
Insert your ATM card into the ATM machine. It’s best to use an ATM from the bank where your card is registered to avoid fees, but most ATMs allow you to check your account balance for free.
Enter your PIN into the machine. The "PIN" stands for Personal Identification Number, a four-digit code set up when you opened your account. Then, navigate through the menu options. Scroll until you find the option labeled "balance."
Select this option to view your balance. Afterward, you can go back and choose to withdraw money or print a statement of your balance.
Choose to withdraw money from the ATM. You should request a receipt. Your balance will be printed on the receipt for your records.
Check Your Bank Balance Online
Visit your bank's website. You can find the bank's website by typing the name of the bank or credit union into a search engine. Click on the official website.
- Ensure you log in from a secure computer. Some computers may store your account information or keep you logged into your banking site.
Locate the online banking login section. Click on "Log in" or "Sign on."
Enter your username and password. If you’ve never accessed the site before, you may log in using your ATM or credit card number. You’ll then be prompted to choose a username, password, and security questions for future use.
Click on "Account." Select your checking, savings, or investment account.
Review recent debits or credits on your account. Most websites provide electronic statements that you can download.
Always log out of the website when you leave. Access your browser's history and clear the cache if you're using a public computer. This step enhances the security of your online banking services.
Check your bank balance using the mobile application.
Call the bank's customer service number or search on your smartphone to verify if your bank offers an online banking app. The customer service number is typically listed on the back of your debit card.
Visit the App Store or Google Play and enter your bank's name. Download the free application to your phone.
Install the app, then launch it. Enter the username and password associated with your online banking account. Refer to the online bank balance checking method to learn how to create a new login account.
Wait for the information to load. Your account details and balance will be displayed. You may remain logged into this account in certain situations, so always ensure your phone is securely protected.
Check your bank balance at the Bank.
Visit your bank branch.
Request a check of your account balance. Provide a government-issued ID photocopy and your debit card. In some cases, only your ID and account password may be required.
Wait for the teller to print the receipt, which is typically small and resembles an ATM receipt.
Inquire with the staff about registering to receive monthly account statements by mail. Many transaction accounts require registration for statement delivery, as sending statements via mail often incurs paper and postage costs. Double-check to ensure you are not charged for these account statements.
What you'll need:
- ATM/Debit card
- Smartphone
- Photocopy of government-issued ID
- Paper statement
