I hardly ever write checks anymore.
Most of my bills are charged to a credit card so I can take advantage of the rewards, and I even most of the rest with my bank’s Bill Pay system. It saves me the cost of mailing, and it saves paper. Yay environment!
Still, checks are a necessary evil. When sending money as a gift of course I send a check. Last month I had to pay a friend for an item I sold for her. Last week I had to pay a plumber who didn’t take credit cards. This week Husband’s cousin did some work on my car. Check, check, check.
I don’t think I wrote 30 checks all of last year, and I’ll probably write about that this year – perhaps less. And being a good girl I’ve always saved those canceled checks. You never know when you’re going to need one, do you? I don’t ever want a Judge Judy wannabee to give me the evil eye after grumbling, “What do you mean you didn’t get a copy of the check from your bank!!!??? Where did you think you were coming today??!!!!!”
Last year my bank – like just about every other bank – stopped sending us our canceled checks. A money saving measure, to be sure, but also a great savings on paper. Yay environment!
But what’s a good record-keeper like me to do? Well, nothing for the last year. Why not? All the usual reasons – I hardly write checks anymore, the bank has them if I really needed one (for a research fee that’s about a million an hour!), I’m too busy to deal with it…
Naughty, naughty record keeper!
All of that changed a couple of months ago. I started noticing a little check icon next to the checks I wrote on my online banking statement. Apparently they have added the ability to view these canceled checks. Whoa! Terrific! AND they will let you print them, too.
So, I’ve now printed a copy of each check, and stored it in a file on my computer. If I ever need one I have it, and I don’t have to pay the bank a million dollars to find it.
The bank taketh, and the bank giveth. And sometimes I’m smarteth.