• have your paycheck deposited directly into your bank or credit union checking account.
• withdraw money from your checking account from an ATM machine with a personal identification number (PIN), at your convenience, day or night.
• instruct your bank or credit union to automatically pay certain monthly bills from your account, such as your auto loan or your mortgage payment.
• have the bank or credit union transfer funds each month from your checking account to your mutual fund account.
• have your government social security benefits check or your tax refund deposited directly into your checking account.
• buy groceries, gasoline and other purchases at the point-of-sale, using a check card rather than cash, credit or a personal check.
• use a smart card with a prepaid amount of money embedded in it for use instead of cash at a pay phone, expressway road toll, or on college campuses at the library's photocopy machine or bookstores.
• use your computer and personal finance software to coordinate your total personal financial management process, integrating data and activities related to your income, spending, saving, investing, recordkeeping, bill-paying and taxes, along with basic financial analysis and decision making.