March 11, 2008

4 Safety Tips for Writing a Personal Check

Posted in finance tagged , , , , , , at 8:54 pm by Jon Symons

For anyone that has little experience in check writing, it is strongly recommended that you read on. Although, safely writing a check may not be the hardest thing you’ll ever do, it is one of the most important.

Use Ink Only

use a pen to write personal checksAlways use a pen to write a check to prevent any kind of tampering with the check. Never use a pencil when you are check writing because someone whod prefer to fill in the blanks with the amount they’d like to receive could easily erase your pencil marks. To avoid dishing out blank checks to people, be sure to use some kind of ink. Although a pen is acceptable according to most people, it is wise to use a permanent marker if possible. This is significant due to those occurrences in which people have committed “check washing”, which is a process in which criminals use chemicals to remove checks’ ink. A permanent marker prevents this possibility.

Dating and Identifying Tips

Upon first glance at the check, it might seem complicated to the inexperienced. If you know all of the information, however, the blanks are very easy to fill out. To start with, enter the current date on the check. It is illegal to post-date a check so always recheck the date that you put on the check. Once this has been completed, be certain to write the name of the person who shall be the recipient of the check on the “pay to the order of” line of the check. Make sure that you’ve accurately written the business name or the person’s first and last name.

Filling in the Amount

The foremost piece of information on the check is the amount of money you want the Bank to pay. This information will need to be inputted twice. The first place to put the information is in the dollar amount line. You’ll find this just under the line that says “PAY TO THE ORDER OF.” Include the full amount and any cents that are involved in the transaction. You need to complete this portion of the check thoroughly to avoid another from changing your numbers. Look at the right side of the check. Put the numbers you see there in the amount box.

Sign the Check Properly

Signing the check may be the last but not the least part of check writing. Be absolutely certain to sign the check with your own unique, standard signature, very stylistically similar to the one printed on your driver’s license. You could face the hassle of questions and accusations about fraud if you don’t sign the check with your standard signature. Deviations can cause the bank to red flag your check. Given how much check fraud and forgery is going on these days, banks are vigilant against suspicious-looking signatures that do not match up against your normal signature. The info section is somehow optional. Many people elect to make a quick note of what the check was for, just to keep their own bookkeeping records straight. Speaking broadly, you will be better off providing as much information as possible.

In general, it isn’t difficult to write a check. However, check writing isn’t something that should be taken lightly. Be certain to take a great deal of care in filling out each section of the check as carefully and completely as possible, so as to minimize the possibility that your check will be manipulated. This will prevent future headaches from occurring.

To save money on your next personal checks purchase, look for designer checks coupons that can be used for a discount when ordering online.

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January 31, 2008

Designer Checks

Posted in finance tagged , , at 11:41 pm by Jon Symons

When it comes to applying the word “designer” to the purchase of checks, it isn’t quite the same as in the world of haute couture, where the latest styles are cranked out by the likes of Calvin Klein, Ralph Lauren and Giorgio Armani. Designer checks actually refers more to a straying away from the traditional blue bank check and into the world of almost endless colors, shapes, images and scenes to decorate your financial exchange notes.

The fact is there are so many check designs that it can be overwhelming to narrow down what is possible when you want to purchase exciting checks. I’ve created this overview to give you a look into the main category options and make the journey to a more fun and interesting checkbook a bit more direct.

Being a sports lover, checks featuring major league professional teams are at the top of my list. You can purchase personal checks with backgrounds printed with any of the teams in the four top sports leagues:

  1. Major League Baseball – MLB Checks
  2. National Football League – NFL Checks
  3. National Hockey League – NHL Checks
  4. National Basketball Association – NBA Checks

Patriotic checks are the next most popular choice for designer checks. Personal checks with the Stars and Stripes of the United States flags as well as most major national landmarks and even images of former presidents and famous geographical vistas.

cars checksAutomobiles and motorcycles are well represented as images to decorate your personal designer checks. These designs are varied enough to excite any car lover. Styles include everything from American muscle cars, exotic foreign sports cars checks and even hot rods and dragsters. There is also a complete range of check designs emblazoned with Harley Davidson and other cool motorcycle styles.

It is also worth noting that the check sellers offer groupings of check styles. For example you can purchase a batch of designer car checks that will contain backgrounds images of 4 different cool hotrods.

Are simple stylish checks more your speed? Consider the many designer checks which are created without a recognizable image but have a pattern or beautiful color as their background. You’ll find a full range of styles: everything from the most traditional and conservative to cutting edge swirls and latest designer fashion trends.

The last type of designer checks worth mentioning are probably the most fun. These checks cast YOU in the role of the designer! Have a favorite photo from a vacation or your sports team or whatever. The only limit is your imagination.

That concludes this brief tour of the possibilities for customizing your financial transactions with designer checks. You no longer have a excuse for suffering the burden of those plain-Jane ugly blue checks that your bank over charges you for. Yes, it’s true that all the cool designer checks won’t even cost you any more than the ones you receive from your bank.