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Hannibal National Bank

Managing Your Checking Account

Kenneth Shaver, VP/Branch Manager
Monroe City, MO


Because your checking account is the main place your money flows in and out of, it is important to keep a close eye on your activity. Keeping track of deposits, balances, bills, or other withdrawals can prevent surprises. HNB Bank offers tools to help you tackle these responsibilities, including online and mobile banking and monthly statements.  However, tracking and utilizing these tools consistently are the keys to success.

Keeping Records

Keeping accurate records of all your transactions is important when balancing your checkbook. You can do this by writing your transactions out in your checkbook or entering receipts into an online based tool to help track of your spending. Also, an HNB debit card allows you access to your account in place of writing a check. Keep all your debit card receipts for verification and input these into your checking account registry. This is a basic way to always know how much is in your account

Account Statement

Your checking account statement will be mailed monthly to your address on record. You can also ask for an electronic statement or online statement. Electronic statements is the quickest way to see your account information and they provide a high level of privacy.

Keep tabs on your account between statements

Periodic checks on your account between printed statements is a good idea. Especially when you are expecting an out of the ordinary transaction. A debit card transaction will usually immediately show up in your account.

Call bank immediately if you find a problem

You will be glad you kept close track of your account if a problem does arise. If you report problems quickly, they’re likely to be fixed quickly and not escalate. It’s also easier to track things when they first happen vs. months down the road.

Other ways to protect your account

Keep your PIN and online banking password safe and do not share your debit card pin number with anyone.

Sign up for account alerts.

Don’t spend or authorize more than the available balance in your account.

Don’t date a check ahead of the day you wrote it.

Endorse checks only when you are ready to deposit them.

Do not click on links or respond to emails requesting your personal information. Legitimate companies will never request sensitive information from you such as password, PIN, Social Security number, or account numbers via email.

If you are traveling out of state, it is important to notify your bank so your card works properly.