Getting back on your feet with a checking account might not feel so good. And starting from scratch isn’t the best deal, but it’s the only one that makes sense. Have you been trying to upstart your financial lifestyle only to find that there are sound reasons why having a personal checking account is part of taking the first step toward recovering from a financial meltdown. There are numerous advantages to checking accounts, and they surely beat stashing money under the mattress, or even in the mattress the old-fashioned way. Today, there are safer and more secure ways to store money. Give yourself a second chance by using a checking account as a primary tool for managing personal finances. It’s even especially useful for consumers with a recovering credit history. You might ask why. Well here are the advantages.You can get checking accounts from any bank, most credit unions, and most savings and loan companies. Most accounts in the US are insured for up to 250,000 US dollars by the Federal Deposit Insurance Corporation, also known as the FDIC. That simply means that in case anything happens to the bank, you are still entitled to your money. It means that for every dollar you have, the government is behind it. In recent years, employers have offered their employees the option to direct deposit their paychecks into their checking account. Instead of waiting to get a paycheck via snail mail, then having to make a trip to deposit it and stand in line, your money will be instantly deposited into your account, saving you time, and ready for you to use immediately. Most employees have chosen to use direct deposit options. Things like income tax refunds and student loans can be direct deposited saving time from having to wait on line to make a deposit or cash your check. For most of us, having more time for extra errands is a real plus.And just as important, having a checking account is a smart way to avoid carrying lots of cash with you. You also save on the cost of buying money orders to pay bills. Many banks offer online banking. It’s a sure way to see to it that your bills are paid on time, and it’s a great way to monitor and track what you’ve spent every month. Your checking account provides proof of payment in the form of cancelled checks and transaction printouts. And, of course, if you’re not great at balancing a checkbook, opting for online banking means that all the work is done for you. No arithmetic mistakes ever again. No late fees to worry about. In addition, with your very own checking account, you should be offered a debit card. You can make purchases with your debit card and have the cost of your purchases immediately deducted from your checking account balance. If your debit card is lost or stolen, it can be cancelled immediately and replaced with a new card. And another thing, you can also use virtual debit card numbers to make purchases over the internet.Even more of an advantage of a checking account is that you can begin on your road to financial recovery by using the cash from a smart-money alternative such as an auto title loan to fund your account when you open it. Just take the cash from an auto title loan and use it to start-up your checking account. It’s a smart way to begin. Auto title loans can be direct deposited into your checking account within the next business day. They are longer-term loans that allow you to go about your business while you make convenient monthly installments that you can afford. You don’t even have to give up your vehicle, and there isn’t a credit check to qualify. If you have a clear title to your automobile, you can be on the path to getting your financial house in order in no time. Many checking accounts require a minimum balance so the higher your balance, the more likely you will pay a low flat monthly fee, or no fee at all if you opt to use direct deposits. Your checking account will be ready-to-go with a direct deposit from an auto title loan lender.Feeling like your financial house is beginning to get back in the groove? So give yourself a second chance at financial freedom. Use a car title loan to start-up a checking account and see just how easy it is to stay on track.