No subestimes la importancia de hacer el balance de tu cuenta de cheques

January 24, 2023

Aprender cómo hacer el balance de tu cuenta de cheques mensualmente te ayuda a detectar errores y fraudes, y a entender patrones de gastos.

Si eres uno de los millones de personas en los Estados Unidos que utiliza una cuenta de cheques, debes saber cómo hacer el balance para estar al día, lo que puede ayudarte a evitar cargos por sobregiros y a minimizar el riesgo de no percatarte de actividades sospechosas.

Una cuenta de cheques es una de las opciones más comunes para más del 92 por ciento de las viviendas en Estados Unidos que tienen una cuenta bancaria, de acuerdo con la Corporación Federal de Seguro de Depósitos (FDIC).

 

Información para entender tu cuenta de cheques

Una cuenta de cheques es una cuenta bancaria que te permite acceder fácilmente a tus fondos depositados emitiendo un cheque. También puedes realizar compras en línea o utilizar la tarjeta de débito relacionada con tu cuenta. Las cuentas de cheques están disponibles en varias modalidades, incluyendo cuentas básicas, cuentas para estudiantes y cuentas que generan intereses. Son varios los beneficios de utilizar una cuenta de cheques:

  • A menudo no requieren una puntuación de crédito específica para calificar.
  • Se pueden crear para individuos, parejas o corporaciones.
  • Se pueden utilizar para recibir cheques de nómina con depósito directo.
  • Se puede acceder en línea a la mayoría de las cuentas de cheques instantáneamente.
  • Muchas de ellas únicamente requieren un saldo pequeño, convirtiéndola en una útil herramienta de aprendizaje para los adolescentes.
  • La mayoría de ellas ofrecen protección contra sobregiros opcional para evitar que tu saldo caiga a números negativos.

 

Monitorea el saldo y las transacciones de tu cuenta de cheques

Haz el balance de la libreta de tu chequera monitoreando transacciones, revisando estados de cuenta de cheques mensuales y conciliando gastos. Hacer esto provee una variedad de beneficios. Puedes detectar errores bancarios y de pagos más rápidamente, reducir el riesgo de hurtos financieros, limitar los cargos por sobregiros y reconocer patrones de gastos que puedan permitirte gastar menos.

 

Documenta las transacciones

Una libreta de chequera al día empieza con darle seguimiento a cada transacción que realices. A pesar de que la mayoría de la gente ya no emite cheques físicos, el registro en la chequera continúa siendo un buen lugar para anotar todo lo que gastas. De otro modo, puedes utilizar una hoja de cálculo en tu computadora, una aplicación financiera para tu teléfono inteligente o computadora, o una libreta de recibos donde puedas guardar los recibos de cada compra realizada utilizando tu cuenta de cheques.

 

Revisa estados de cuenta mensuales

Ya sea que recibas tus estados de cuenta mensuales en tu casa por correo postal o los recibas electrónicamente, se recomienda crear el hábito de leerlos línea por línea para asegurarte de que no haya información incorrecta. Entre los errores comunes y las señales de advertencia se incluye lo siguiente:

  • Gastos inusuales
  • Cargos de proveedores que no reconozcas
  • Errores matemáticos

 

Concilia lo gastado con lo que quede

Para evitar un sobregiro, da seguimiento a los depósitos y retiros de tu cuenta de cheques. Conciliar tus gastos con tu saldo ayuda a evitar gastar de más, lo cual puede generar cargos por sobregiros o que se devuelvan cheques debido a fondos insuficientes. Una buena manera de gastar prudentemente es mantener un saldo continuo de lo que está disponible en tu cuenta. Aún después de cancelar un cheque, lo debes registrar para que sepas lo que hay en tu cuenta en cualquier momento dado.

 

 

Ahora que sabes cómo mantenerte al tanto de tu cuenta de cheques, infórmate sobre qué tipo de cuenta de cheques podría ser la mejor para ti.

Infórmate sobre U.S. Bank

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