There's no definitive answer as to how much you should have in your checking account because it depends on a few key factors. If your bank requires you to hold a minimum balance in your account, you should at least have that amount or you risk being hit with service charges that eat away at your balance. But it's always a good idea to keep at least one to two months' worth of expenses in your checking account. This ensures you have enough to cover your living expenses and bills in case of an emergency.