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How often do you check your bank account? Daily, every other day at the very least. Just in case there were charges that shouldn't be there we will catch any stolen debit card info early.
How often do you balance your check book? I don't write checks, so I don't balance a check book. I do my banking all online.
Has this ever helped or hurt your spending? IMO it helps to keep track of your bank account so you can check any fraud activity. Luckily I've never had an issue with my bank account, but once upon a time when we had credit cards I did find $4,000 in charges that were not mine because I checked my credit card info online every couple of days. Because I caught it early it wasn't a huge issue.