Checking accounts repeatedly is common

Many people frequently check their bank accounts through apps or other methods, often without realizing it. This includes looking at balances, recent transactions, and pending transfers. This behavior is not limited to those in financial trouble and occurs across all financial situations.

Money is a major source of stress

According to the American Psychological Association (APA), 66% of women and 61% of men in the 2024 Stress in America report identified money as a significant source of stress. This issue has remained consistent since the first APA survey in 2007, showing that financial stress is tied to uncertainty rather than just the amount of money one has.

Checking accounts is linked to uncertainty

A study of 1,046 adults found that the need to control all aspects of life can lead to chronic doubt and a desire for reassurance. However, seeking reassurance through account checks can actually maintain anxiety over time. Each check provides temporary relief but reinforces the habit, making it more likely to repeat.

Mood influences checking behavior

Research from 2009 found that people tend to check their accounts more after receiving good news, while they may avoid checking during bad news. This behavior is known as the "ostrich effect," where individuals check accounts to either enjoy a stable balance or reduce general anxiety.

Managing the habit can reduce stress

If checking accounts becomes a concern or interferes with daily life, strategies like turning off notifications, setting a specific time each week to check, or talking to someone close can be helpful. If stress continues, consulting a psychologist may help identify and address the underlying causes.