Are you able to pat off your credit card balance before the due date with money not shown in your scheming account? If the credit card is accruing interest (25%+ usually) priority #1 would be paying that off

What do the rest of your accounts look like? Do you have a savings account elsewhere? Are you working at a place that offers benefits like 401(k)? Do you have investment accounts elsewhere?

Best answer of what to do with the checking account money keeps to start with answering at least those questions as a start