How to Access a Checking Account

Accessing a checking account is made easy with a few identity protection procedures including confirming the account holder's identity, verifying PIN information and matching the account holder to the correct checking account. Banking institutions have set up internal procedures that are carefully outlined in print or on an official website that allows account holders to view and understand their rights when it comes to consumer identity and checking account protection.

Things You'll Need

• PIN number
• Debit card

Instructions

1. 

   Use the checking account number to deposit money into the account. If you do not have the checking account number, which can be located on the bottom of a check, to the right of a series of numbers separated by a dash or space, ask the teller to search the system by first and last name.

2. 

   Utilize Internet banking to view your checking account balance, recent and past transactions and bill pay schedule. To access your checking account at a branch location, provide valid identification and/or a debit card and pin number.

3. 

   Use an ATM. To access the account, enter your pin number. Once the pin number is verified, you can withdraw and deposit funds, view the account balance, print a miniature statement and request a receipt for any transactions that take place.

4. 

   Access your personal checking account without any identification. Verify your identity using your Mother's maiden name, last deposit amount, account balance, date of birth, or Social Security number.

Tips & Warnings

• Go paperless. Contact your banking institution and opt for electronic checking account statements.

• Never leave your checking account number in a public area such as a work lunch room or on a desk in a busy office or store.