(BPT) - A bank account is the start to truly be in charge of your finances. If you've never had a bank account before, or you've struggled with keeping one in the past, you have options.

Here are three reasons why having a bank account is so important:

Saving on fees

When you get a check, is it a pain to cash it? Whether the money is from a relative or an employer, if you don't have a bank account, you probably have to take extra steps and pay fees to cash it. With a bank account, you can easily cash your check without the extra fees and can even take advantage of direct and mobile deposit, so your check automatically goes into your account without having to visit a branch. It's not only convenient, but you'll save money because you won't have fees stacking up with each check when you get paid. That can amount to hundreds of dollars per year!

Paying bills

Another issue people without bank accounts face is how to pay their bills. It's difficult and even risky to carry around large amounts of cash for things like rent, groceries and child care. In addition, electronic and digital payments are increasingly preferred by many, and are a more secure alternative to paying with cash.

A bank account that has a debit card allows you to easily pay your bills virtually anywhere at any time. Setting up rent or your utilities bill to be automatically paid electronically at the start of the month helps you eliminate costly late fees. Pay in one swipe at the store for easy and fast checkout.

Staying on budget

Overspending can often trigger overdraft fees. However, some accounts do not charge overdraft fees. These accounts make it easier to stick to your budget and avoid overspending altogether.

One example to consider is Chase Secure Banking, a simple and low-cost alternative to a standard checking account. With no minimum deposit to open and no paper checks, the account is designed to ensure you only spend what’s available, so you'll never be charged overdraft fees. No more worries about if a check will go through or bounce. You only spend what you have, making staying on budget simple.

Chase Secure Banking comes with all the benefits and perks of being a Chase customer, like fast access to thousands of fee-free ATMs, the mobile app, the ability to send and receive money and support from bankers in person or over the phone. Learn more at www.chase.com/SecureBanking.

Bottom line

Getting a bank account can help you gain money confidence and take more control of what you earn and spend. You can use your money like you want to, without extra steps, hassles or unnecessary fees. Take control of your finances and consider your options today.

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