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ArcherTheRat
The purpose is to prevent going into the negative zone. When you start paying with checks and you don't have money on your account that's the same as stealing things which means that you can get arrested for paying with checks while not having money. It's like fraud. Also, in case you're late with payments, you can get interest rates that don't suit you.
Please mark brainliest, thank you! c: 

jtgriffin
Balancing and/or monitoring your checking account will prevent catastrophic lack of funds during your monthly billing expenditure cycle; i.e. so you don't go broke before you can pay your bills each month.

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