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Thursday, January 29, 2009

Order Checks Online When Running Low On Personal Checks

By Peggy Ann Morgan

You're almost out of checks and before you run dry you may be thinking about running to the bank. But you can order checks online and save the middleman bank markup. There is no need to let the bank profit from your purchase.

Your bank marks up the price of checks before they sell them to the customer. By purchasing direct, the middleman is cut out and you put the difference into your wallet. Oder checks online thru your computer and save taxes, time and gas.

Another benefit is that you get to look over a more varied and a greater depth of check designs than you would had you been relegated only to the banks offering. The various categories offer many choices.

By ordering direct you'll save about 50%. Personalized check quality is equal or better than that you'd get at your financial institution, delivery is fast, security details in the check comply with all bank standards. There are a larger selection of designs, categories and motifs.

Checkbook covers, matching address labels and contact cards as well as various check formats are offered as well. Side tear, top stub, 3 to a page formats and many other formats are available. Note that when you write your checks that your drafts are covered. Check registers in easy to read and record formats make that possible.

Checks are deposited at the bank. Sometimes, when the payee is uncertain about a check, they will cash that check in the bank against which it was drawn.

When a check is presented and refused at the drawee's bank because of insufficient fund the check will not clear. It's called a bounced check.

Banks benefit when they get bounced checks. Their high service charges that are imposed make one take quick notice. Keeping accurate records to avoid service charges is essential.

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