A personal check is a paper slip from a bank or financial institution that is signed by an account holder. For one to get a personal check, it is a requirement to have an account from the source of the money. You must have a personal checking account which will be the source of money to be withdrawn through personal checks. The slip contains the amount of money to be withdrawn, the checking account number, the personal checking account, and the payee’s name.
Where to Order a Personal Check?
The places where you can order it are Bank of America (120 checks for $22), Wells Fargo (120 checks for $18), Chase Bank (100 checks for $18.95), PNC Bank (120 checks for $19.99), and Regions Bank (120 checks for $20). The cheapest option to get it is by ordering from Direct-to-consumer check printers because they offer better deals. Five companies in this category are ASAP checks (200 checks for $10), Checks in the mail (125 for $17.99), CheckAdvantage (150 for $7.50). Check Unlimited (125 for $18.99) and Checkworks (125 for $9.99). ..
27 stores are as follows: Department of Wholesale Grocery, Home improvement, Discount stores, Pharmacies, Kohls, Target, Giant Eagle, Lowe’s, Dollar tree, CVS Health, JCPenney Walgreens, Walmart (J.C. Penney), Meijer Menards (Menards), Family dollar store (Macy’s), Wegmans.
Personal Checks policies
Some stores require you to produce an ID card or shopping card to verify whether the check you are using is yours. This is done to promote safety and provide financial safety. Paper checks are becoming outdated, so some stores require electronic checks. That doesn’t need to create anxiety or worries because there is a way to access e-checks. ..
Advantages of Checks over cash
Personal checks are a convenient and easy way to budget and limit impulse shopping. They are traceable, so if a check is stolen or used, it can be easily traced. They are easy to mail, so they offer security and offload as they hold all the money in them. Additionally, personal checks are customizable, so they can be customized to fit your needs. Finally, personal checks are safe because they are not deposited immediately - so in case of any errors or changes, the check can be canceled.
Disadvantages of Checks
Some businesses do not accept personal checks because they are not available in a specific quantity or because the bank charges when the slips are depleted. Personal checks are advantageous that they cannot be deposited quickly, but this becomes a disadvantage if the money is required urgently as the processing is slow.
It is easier and safer to use personal checks as compared to cash. An important factor to consider when going for personal checks is whether the retail stores around you accept them and also whether they are convenient. Even wiser is checking the policies of the stores to avoid any new problems. ..
Some stores do not accept personal checks because they are not comfortable with the way checks are processed. Some of these stores are Old Navy, Banana Republic, Gap, IKEA, and 99 cents only.
Target is a retailer that accepts personal checks for physical shopping at its stores but not for online purchases. It accepts it from U.S bank accounts only. It does not accept foreign, cashier and traveler’s checks. For it to be accepted, you have to produce an ID.
The check is easy to use and does not require much prowess. In any case of a refund, the check can be easily canceled as it takes a while to process it. Additionally, the check can be sent as mail from the comfort of your home. If it gets en route, it can be quickly traced.
