These are the ways you can maintain good banking habits
Read bank notices and updates.
Your bank occasionally send messages to your email. Some of those messages contains information about banking products and services.
Endeavor to read such messages to keep yourself updated about your bank’s products and services, most of which may be of immense benefits to you.
Your monthly bank statement is also sent to you via email, open them to know with what is going on in your bank account.
Never issue a dud cheque.
It is important to ensure your account is funded before your cheques are issued. Never issue a cheque in anticipation of cash lodgment.
It is better you delay or postdate your cheque than to issue a cheque when you know you don’t have funds in your account.
Dud cheque is a criminal offense that comes with legal implication and reputation damage to you or your business.
To update your personal details when it has changed is another way to maintain good banking habits.
One of your responsibilities as a bank customer is to update your records with the bank when they have changed.
Marital status, Home or office address, work details, business details, phone numbers and email address including names must be updated once it has changed.
Keep your account balance within limit.
It is important for you to keep your account within the limit set by the bank. A non borrowing customers should not allow his or her account to go into debit and a borrowing customers should keep their within approved limit.
Drawing below limit will attract more bank charges apart from the damage it may cause to your credit history.
You would be seen to have good banking habits if you sign up for online transactions.
Banking has gone digital. It is not necessary for you to visit your bank for almost all your banking transactions. With your online banking you can do almost all you may need to visit your bank for.
Sign up for one and do your transfer to any bank customer in Nigeria and abroad from your accounts. Pay utility bills including your cable subscriptions, buy airtime for yourself and other and lots more.
To use alternatives banking channels is an example of good banking habits.
There are several other banking channels available to you as a bank customer: Point Of Sales Terminals (POS), Mobile Banking, USSD Banking. All these channels functions as much as if not better than being physically present in the banking hall to transact your banking business.
As a bank customer you may not need to visit your bank branch in years to continue to use your bank account.