How to Check Your Bank Balance: 6 Easy steps

Save & Invest

Checking your bank balance is important to know how much money you have in your account, which helps you plan out your finances and assets. 

Checking your bank balance is a good thing. It’s a way of keeping tabs on your money and what might be coming in or going out. If you see an unexpected transaction, it can be a sign that something is wrong with your account and that you should contact the bank or credit union immediately.

Why is checking your bank balance important?

Checking your bank balance can be a tedious task. It’s important to do it regularly because it allows you to keep an eye on how much money you have stored up for emergencies.

If you don’t check your bank balance often enough, you might run out of money before you need it most. This is when it pays off to ensure that your savings are in good shape.

What happens if you do not check your bank balance?

If you don’t check your bank balance regularly, you may be surprised by fees or other charges applied to your account. Additionally, you may miss opportunities to save money or make wise financial decisions. Not knowing your bank balance can also lead to overspending, which can put you in debt and cause financial stress.

It’s important to be aware of your bank balance to avoid these consequences. Checking your balance often can help you stay on top of your finances and make smart money decisions.

How To Check Bank Balance Safely and Securely?

Your bank balance is one of the most important parts of your financial life. It’s how you pay your bills, how much money you have to invest, and how much you have left over after all that.

A quick check of your bank balance can be a great way to ensure everything’s going well.

Here are six steps to check your bank balance:

  1. Through Net Banking: 

Open the app and log in with your username and password. Select “My Account” from the left menu, and tap “Balance.” You’ll see your current balance and any pending transactions from the past few days.

  1. Mobile App: 

Download the mobile app for your bank, which will give you a similar view of your account activity.

  1. Accessing an ATM:

You can also check your account balance using an ATM. By going to an ATM nearby, you can put in your ATM or debit card and follow the on-screen instructions.

You can check your ATM balance by following the steps listed below.

  • Swipe your debit or ATM card.
  • The pin for your ATM (four or six digits)
  • From the drop-down option, select “Balance Enquiry Option.”
  • Finish the transaction.
    1. SMS:

If you do not have a smartphone or a tablet with Internet access, then SMS is another option to check your account balances through text messages sent through mobile phones.

You will receive a text message with information about your account balance. There should be an automatic activation of the message notifications. You will be immediately alerted if a financial transaction is on your account.

  1. Using missed call services:

Banks provide balance update notifications when customers use one of their registered mobile numbers to make a missed call. However, the following details are necessary to receive updates on your missed call balance:

  • The requirement that you have a registered mobile phone number is the most important requirement for this process. You get balance updates only if the bank has your phone number on file.
  • The phone number must be active to make a missed call or receive an SMS.
  • You should be able to use this service through your bank.
    1. Call your bank:

Call your bank’s customer service line and ask them to check your balance. Although you might only be able to reach a live person during specific hours, most banks offer automated systems that provide account information around the clock.

So, if you don’t know how to check your balance, these are the six ways to check your bank balance easily. 

Tips for keeping on top of your bank balance

If you’re like us, you have a lot of worries. We worry about the weather, our next vacation, and how to pay for that new sofa when we finally get around to buying one. But none of those things is as important as worrying about keeping your bank account in check.

Here are some tips for keeping on top of your bank balance:

1) Make sure you’re always paying your bills on time. If you need to pay an extra month or two, ask yourself if those payments will be worth it in the long run.

2) Do not touch the money in the bank unless necessary (like getting a loan). If possible, put any extra money into a savings account so that it doesn’t tempt you into spending it before it’s earned interest.

3) Pay off debt as quickly as possible—this is one of the best things you can do for yourself!


Checking your bank balance is a good way of keeping tabs on how much money you have and what might be coming in or going out of your account. Not checking your balance often can also lead to overspending and financial stress. 

Make sure you always pay your bills on time and don’t spend money unless necessary. If you need help with finances, you can always take the help of a financial expert like Piramal Finance. They will suggest what’s best for you and help take care of your personal loan requirements, if any.