Personal Bank Checks

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Personal Bank Checks: It’s Advantages and Disadvantages

If you’re not very familiar with banking transactions, you may not know what a personal bank check is. Or maybe you’ve seen one and you somewhat have a grasp of what it’s for, but you’re not really sure what exactly is its purpose. A personal check is a type of document that is mainly used to withdraw money from the checking account of a person.

What Can You Find On A Personal Check?

A personal bank check will usually contain name of the company or the person to whom the check is written for, the date, the amount of the payment in numerical form, the amount of the payment again written in words, and lastly the signature of the individual who has issued the check. You will also be able to find a set of numbers on the lower portion of the check. These numbers are printed with special magnetic ink that allows the identification of the characters. There are three sets of numbers all in all, and each set is the identification of three different things, the account number of the person who owns the personal check, the bank identification as well as the number of the check.

The Advantages of Using A Personal Check

Before people started paying for items or transactions with debit or credit cards, people used to pay with checks, although people seldom pay with checks anymore, especially since a lot are starting to think that personal checks are outdated. This is actually a very false notion, since according to the Federal Trade Commission, in one year alone, there are about thirty three billion checks written.

Even if other payment options are available today, some people still prefer transacting using checks because of the advantages that one can get from using a personal check that aren’t present with using other payment alternatives. If you’re wondering on just exactly what these benefits and advantages are, continue reading to find out.

• Spend Within Your Limits – A debit card has some similarities with personal checks. For instance, if you pay with a debit card, the amount you’ve spent will be automatically deducted from your bank account, instead of receiving a bill every month. The problem with debit cards is that you can still end up spending too much that what you have in your bank account, and if this happens, the results aren’t pretty, since you can end up being charged double or quadruple for the item you’ve bought. Paying with debit or credit cards may be easy, but the fact that you have to write down the money you’re about to spend twice on a personal bank check can help you get a real grasp on just how much you’re spending.

• Very Efficient – In some cases, a check can become even more efficient and handy than debit or credit cards. Like for example you’re in a rush, the next ATM machine is a long walk away, and you meet a friend whom you need to give money to fast. One way to give them money on the spot is by writing him or her down a check. Although you can easily use a debit or credit card inside a store or restaurant, it is definitely unusable in a situation like the one that we’ve mentioned.

• Duplicate Checks – Most of the time, personal checks either have duplicate checks or check registers. You can use these two to track down your recent payments or transactions. Think of it as an on hand statement of your expenditures. With personal checks, you no longer have to wait for a month for the report of your payments or transactions.

• Personalized Checks – If you think that personal checks all look the same, with their boring design and motif, think again. A lot of people today don’t even bother using dull checkbooks, since they opt for checks that truly have a ‘personal touch’. People today can now buy personal bank checks with designs embossed all over the paper. There are hundreds of thousands of designs and themes to choose from, and if you can’t find one that you like, you can always design your personal check yourself. Although this can be done with some debit or credit cards, there are only very little companies that allow this as of today.

The Disadvantages Of Using A Personal Bank Check

Of course, using personal bank checks isn’t always a good thing in some situations, since checks have their downfalls as well. Here are a few short reasons on why using personal checks may not be a great idea.

• Time Issues – With all the information that you have to write on the check, making payment transactions using a personal check can definitely take up a lot of someone’s time. Even writing it the first time will take quite a while, how much more if you made a single mistake on the last part of the check? With debit or credit cards, all you have to do is swipe and sign.

• Security – If you pay transactions using a check, you are also putting yourself into great risk. We’ve mentioned earlier that on the bottom of the personal bank check is your bank account number. Every time you give away a check, more and more people are becoming aware of your bank account number and other personal information. Individuals who use checks for transactions can be easy targets for those who want to commit fraud.

Custom Photo Checks

Why should someone’s design determine who you are as a person? It shouldn’t – that’s why Carousel Checks offers you the opportunity to design your own discounted checks free of customization charges.

Blue Safety

Blue Safety Top Tear Personal Checks are part of Carousel’s value-priced personal check line. These checks are eco-friendly and inexpensive but are still the same high quality checks, guaranteed compatible with your bank or financial institution.

Cupcakes

If you love to bake or love sweets, Cupcakes Personal Checks are perfect for you! These cute and fun Cupcake Personal Checks will make you smile and dig out the baking supplies to make your own cupcake creations.

Fresh and Fruity

The fresh and fruity personal checks offer you the rich array of tasting the succulent array of fruits you die for.These are ideally suited to nourishing your senses with the diverse array of fruits for your personal checks.

Burgundy Marble

Efficiently tailored, technically sound and personalized custom made checks are an efficient way of publishing company profile.

After Five

Enjoy an Appletini, Lemon Drop, Cosmopolitan, or, a traditional Martini every time you write a check!

Country Club

Have your stripes and solids too in classic shades of tan and blue. Comes with a FREE Monogram. Coordinating return address labels are available.

Ice Hockey

We are pleased to offer one of the newest checks in our Sports series, Ice Hockey Personal Checks. These Basketball Checks have four rotating different Pictures guaranteed make your friends look twice the next time they hit a slap shot into the goal!

Trumpets