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check writing 101

Published Jul. 9, 2009
Views: 849

Good afternoon GOLO!

 

Yesterday I checked one of my bank accounts and I noticed something was off. I seem to be missing money or I thought I had more money than was showing. I kept looking but couldn’t quite pin point what was making my account balance be differ than what I had thought it should be. I started clicking on checks that were presented to my bank for deposit and lo and behold I see a check I wrote on 6/26/09 that was deposited on 7/1/09 for $35.00. My bank cashed it for $350.00 making me over $300.00 short in my account. The check was written for $35.00. The numeric portion was hard to read since I was running out of ink with the pin I was using and you couldn’t really see the decimal that well. But I thought they went by the written portion and not the numeric? Anyway,  I called the bank and they straightened it out. I was glad I caught it. I wonder if they would have caught it eventually. Any GOLO bankers know? Has anything like this ever happened to you?

 

 

 

Filed under: Personal




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to those of you complaining when people write checks. Are you seriously that uptight??? I had to use checks the past week and a half because my card was fraudulently used and I had to tear it up and get a new one. It takes 7-10 days.

Really WTVD viewer and others get a life and take a chill pill.

"My last comment should read in the event that I write a check, I am a prepared check writer. I never hold up the line. 8-)"

That's good :) What really gets the line riled up is watching someone stand there, watch their order being rung up THEN pull out the checkbook and start writing after the whole order is totalled. Yikes.

Now granted, some of these customers are an older generation and this was normal in their prime, they just cant let go of the old ways :)

This is a good thread. A new blog might be in order -- how to write checks for the complete dummie.

How does a machine read the alpha lines?

Is using the 'check' ink pens I see at Wal-mart for $150 good?

Does a straight line to the left and right of the alpha amount do any good?

Do I need to put oo/ooo after an even number of dollars?

The long line of account numbers at the bottom, which is what?

Whomever you wrote the check to should have caught it....esp if it was a business. They (the business)might have wanted to just give you a credit in which case you would not have gotten the $$$ back w/o an argument. The bank handled it for you so that's GOOD.

My last comment should read in the event that I write a check, I am a prepared check writer. I never hold up the line. 8-)

LOL @ all of you all making fun of me writing a check. It was ONE check. I rarely write checks. This was the first one in a very long time.

ps. When I am in the grocery store, I make sure ALL of the fields on my check is filled out except the amount part. I always have my own pen and I NEVER hold up the line. So get off my back already people! lol

Good save GG!! I, too, thought the written amount was the final "contract" amount

Check card users are liable for the whole amount of any loss and check card takers can put a hold on more than you spend. If you must use plastic, use a credit card, only $50 liability, and the exact amount is deducted and pay it off each month or sooner. Otherwise, use cash.

We write very few checks anymore and doing banking online, but I can see where a bank would misread a check. I too thought they went by BOTH numerical and written amounts, apparently that was one teller who did not or whoever cashed it didn't dispute the amount??

"with all due respect, get some plastic. it bothers me when check writers hold up the line. I want a "credit card island only" for everything I buy."

YES

It urkes me so much at the grocery store when people pull out the checkbook and hold everything up. Swipe the check card, they are free BTW and you will never have this happen to you again.

Really people, its 2009. Checks are more outdated than laserdisc and snail mail

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