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check book may be obsolete

by Mary Kay / August 3, 2004 3:08 AM PDT
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Not happy with this.
by James Denison / August 3, 2004 5:11 AM PDT

This past year all my accounts have gone over to the copies of the checks. Downside; all the information concerning when they were deposited by a bill collector is on the reverse of a check and mine come with only the front of the check showing. I've had late charges dropped on some bills in past where I was able to show it had a deposited stamp on it for the day due or sometimes one or 2 days before. Find the check, run it through the scanner, and email the copy to them. Now that's not an option, unless you go through a procedure to get a copy of the front and back of a check. Some banks may provide both, but even that isn't adequate. If your check is a color similar to the ink used, then a black and white, poor image quality copy may not even show the stamped mark. That's another gripe of mine, the poor image quality two banks have. Unfortunately I had to close the out of town account I had which gave good quality copies of the checks, but among 3 accounts I've not seen a single one that gives an image of the stamped backside of checks. Simply put, without that, there is no way to prove when a creditor deposited a check and if his late charge is valid and to disprove it when it isn't.

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Re: Not happy with this.
by Mary Kay / August 3, 2004 5:49 AM PDT
In reply to: Not happy with this.

Me niether. Like you, I keep a complete record going and I try not to use credit cards when I can use a check.

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Re: Not happy with this.
by Dave Konkel [Moderator] / August 3, 2004 2:15 PM PDT

Hi, MK.

>>I try not to use credit cards when I can use a check.<<
I'm the opposite -- we have a credit card that's tied to airline miles (at a much more useful rate than most). We try to put everything we can on the CC, but always pay it off so we don't pay interest. Further, if there's a problem with a mail or web order, your only protection is to use a credit card so you can get the bank to cancel the transaction in event of a problem.

-- Dave K, Speakeasy Moderator
click here to email semods4@yahoo.com

The opinions expressed above are my own,
and do not necessarily reflect those of CNET!

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Re: Not happy with this.
by David Evans / August 3, 2004 2:22 PM PDT

I use Discover whenever I can, pay the balance every month too. The reason to use it? Got $120.00 cashback for last years usage.

DE

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Re: Not happy with this.
by Dave Konkel [Moderator] / August 3, 2004 2:10 PM PDT
In reply to: Not happy with this.

Hi, James.

I'm not happy with it either -- I have an envelope where I put all smallish tax-deductible checks in case of audit. Can't do that any more unless I start cutting up the printed sheet...

-- Dave K, Speakeasy Moderator
click here to email semods4@yahoo.com

The opinions expressed above are my own,
and do not necessarily reflect those of CNET!

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It is for me....
by C1ay / August 3, 2004 5:56 AM PDT

I've only written half a dozen checks all year since going to online bill pay. The few checks I have written have the imaage of the front and back of the check online where I can access it. When I'm out shopping I use the debit card or cash for everything.

You might look into your bank's bill pay service. Once the payees are set up you just log in and schedule them a payment when needed. It's a lot easier than the manual process of paying bills.

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Re: It is for me....
by R Bibb / August 3, 2004 7:41 AM PDT
In reply to: It is for me....

I've been paying bills online for a number of years and not received any cancelled checks back since the 80s.

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