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HOW ARE YOU PAYING FOR YOUR BACK TO SCHOOL PURCHASES?

(NAPSI)-It's back-to-school time, and that means shopping for clothes, computers, books and backpacks. But while your mind is probably on what you're buying, you should also think about how you're buying. Keep in mind that you have choices when paying for things.

I recommend that you use a check card or a credit card for a variety of reasons.

First, they'll help you keep track of what you spend, so you can stay within your budget. In particular, if you have a Bank of America account, you can instantly see your purchases online.

A check card is a good choice because it is safer than cash and the money is deducted directly from your checking account. In addition to the cardholder's photo on the front of the card, some banks provide financial protection against theft, loss or unauthorized use. Your money is better protected from fraud if you use a check card with added security features.

Using a check card that includes rewards gives you more benefits. Bank of America, for example, offers airline rewards check cards in addition to several rewards credit cards. Why not gather some frequent flier miles for the next family vacation while you're shopping?

Using a check card is faster than writing a check. How many times have you waited in line at the grocery store because someone was writing a check? They have to take time to write the check, show their driver's license and sometimes wait for a manager's approval. With a check card purchase, you swipe and go.

You'll start off the school year on a positive note with a little bit of planning about how you buy, along with what you buy.

For more tips on using your check card safely, visit www.bankofamerica.com/debitcardtips.

A check card is safer than cash and the money is deducted directly from your checking account.



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