When Should I Write a Check?

You may have come across sites like Current Catalog or Checks in the Mail and seen the cute designer checks that are offered. In this era of debit and credit cards, it may seem unnecessary to write a check, but you would be surprised how important the art of writing a check can still be. There are times when it is important to write a check for your own personal or business records and other times where plastic may not be accepted. Below are some examples of when you should write a check, or when you have to.

Not Accepting Plastic

Believe it or not, many companies are not accepting plastic for payments. There are a handful of utility departments, mortgage lenders and others who refuse payment by debit or credit card. You can go online and do a bank transfer from your bank account in many cases, but other times you will need to write a check to pay these bills. To avoid having to get a money order or a certified check from your bank in these instances, it is a good idea to have your checkbook ready and loaded with checks.

High Ticketed Items

Your ATM or bank card and even your credit cards have daily spending limits and if you are planning on purchasing a high ticketed item, they may not work. The spending limits are put in place to protect you, but they can be annoying when you are planning on shopping for larger items. It is embarrassing to get through the line with your big screen television only to be turned down when you slide the card. The cashier does not know why you are being declined; he just assumes you do not have the available finds. After you argue for some time and get the number to call, you find out that your spending has reached its limit for the day and the transaction cannot go through. Sometimes your bank can lift the spending limits temporarily, but in most cases it is not instant and you will have to come back later in the week to try to purchase the item.

All this frustration could have been avoided if you had a check book; you could have simply written a check and taken home the item that you wanted to purchase that day. On larger items, the businesses will sometimes verify funds in your account before accepting the check. If they do not have the capability to do so without calling, it could still be a hassle if you are purchasing items after banking hours. But, in most cases, the check works fine and there is never a limit as to how much you can write a check for. There are no daily spending limits that will hinder your exciting day of shopping.

Receipts

One of the most common reasons people write checks is for receipts of their payments or purchases. When you write a check, you have either a copy of the check on duplicate paper, it can be viewed online, or it is sent to you at the end of the month with your statement after it has been cleared.


To find Checks in the Mail promo codes or Current Catalog promo codes, visit UltimateCoupons.com