If you are using your checking account for general check writing, and as a “savings” account for money that is set aside for some future project, PowerChurch can help keep track of the two-accounts-in-one just fine, however…

When you receive your bank statement, you will be looking at an amount that you’re not used to seeing on your financial reports.

Sometimes that “Wow!” effect that comes from seeing the real amount in one account causes the tendency to overspend money from the general checking account.

Therefore, we have always tried to keep “extra” money in a separate account just so we don’t overspend.