Reply
 
Thread Tools Display Modes
  #1  
Old 01-06-2020, 05:31 PM
f.coli is offline
Guest
 
Join Date: Nov 2010
Posts: 41

Writing checks in the 21st century


In the 20th century, your bank issued checks drawn on your checking account, which you would write out to pay your bills and send to creditors through the Post Office. I know, they still do that today, but, back then, the checks had a pre-printed "19__" in the date field, so that you only had to add two digits to specify the year. Since 1/1/2000, I have yet to see blank checks with a pre-printed "20__" in the date field. Has anyone else? I'm not complaining about the extra work of writing "20" on every check, but I wonder why, after 20 years, they haven't started pre-printing the century for our convenience.
  #2  
Old 01-06-2020, 05:35 PM
Procrustus is offline
Member
 
Join Date: Jun 2007
Location: Pacific NW. ¥
Posts: 12,715
I think the practice died out before 2000. It was not much of a convenience. My checks from the 1980s and 1990s didn't have a pre-printed "19." I've seen it from the early 1900s, and perhaps some banks kept doing it longer than others.
  #3  
Old 01-06-2020, 07:23 PM
Joey P is offline
Charter Member
 
Join Date: Jun 1999
Location: Milwaukee, WI
Posts: 29,748
Quote:
Originally Posted by Procrustus View Post
I think the practice died out before 2000. It was not much of a convenience.
I typically ended up writing 199x right over it anyways in my haste to fill out the check.

Then there's the other big convenience, the end of the line where you spell out the amount nearly always has "dollars" written there. I'm willing to bet most people write that anyways. Now your check says "Two hundred fifteen dollars and 17/100----------------dollars".

I'm not sure who thought preprinting a "19" and the word "dollars" was going to save any real time.
  #4  
Old 01-06-2020, 05:38 PM
Marvin the Martian is offline
Member
 
Join Date: Jun 2015
Location: Phoenix, AZ, USA
Posts: 1,355
I've never had personal checks with a pre-printed "19", and I have had numerous checking accounts since 1977.
  #5  
Old 01-07-2020, 05:57 PM
HMS Irruncible is offline
Guest
 
Join Date: Nov 2004
Posts: 8,942
Quote:
Originally Posted by Marvin the Martian View Post
I've never had personal checks with a pre-printed "19", and I have had numerous checking accounts since 1977.
Same. In fact I don't remember many forms pre-printed with 19__. But then again, maybe a faulty memory is a consequence of being born in 19__.
  #6  
Old 01-06-2020, 06:43 PM
Atamasama's Avatar
Atamasama is offline
Member
 
Join Date: Sep 2009
Posts: 4,958
Yes, I’ve only ever had checks with a blank line that said “date” and that does predate 2000.
  #7  
Old 01-06-2020, 07:24 PM
NotherYinzer is offline
Member
 
Join Date: Nov 2007
Location: Left of central PA
Posts: 858
My checks all had the 19__ on them and I, too, was wondering when the checkbooks were going to get on the ball and print the 20___.
__________________
~~~
"Lord, what fools these mortals be!"
  #8  
Old 01-06-2020, 08:09 PM
CookingWithGas's Avatar
CookingWithGas is offline
Charter Member
 
Join Date: Mar 1999
Location: Tysons Corner, VA, USA
Posts: 13,629
My checks have 20__. I don't write a lot of checks so these at least a couple of years old.
  #9  
Old 01-06-2020, 08:38 PM
hajario's Avatar
hajario is offline
Charter Member
 
Join Date: Apr 2001
Location: Santa Barbara, California
Posts: 16,252
I have checks that I bought maybe twelve years ago and they have the 20__. I am down to my last one so I bought new ones last month. They don't have it.
  #10  
Old 01-06-2020, 11:49 PM
Senegoid is offline
Guest
 
Join Date: Sep 2011
Location: Sunny California
Posts: 15,298
Quote:
Originally Posted by hajario View Post
I have checks that I bought maybe twelve years ago and they have the 20__. I am down to my last one so I bought new ones last month. They don't have it.
I think it's all due to residual fallout from the Y2K debacle that almost was. People are still so traumatized by that, they have resolved to NEVER AGAIN presume what the first two digits of the year will be.

And maybe a good thing too! So few paper checks are being written these days, maybe a current order of blank checks will last until 2100 !
__________________
=========================================
  #11  
Old 01-07-2020, 12:58 AM
panache45's Avatar
panache45 is offline
Member
 
Join Date: Oct 2000
Location: NE Ohio (the 'burbs)
Posts: 51,629
All of my 21st-century checks have 20__.
  #12  
Old 01-07-2020, 06:35 AM
mjmlabs's Avatar
mjmlabs is offline
A Rather Dubious Fellow Indeed
 
Join Date: Jul 2003
Location: The Last Green Valley
Posts: 755
Quote:
Originally Posted by panache45 View Post
All of my 21st-century checks have 20__.
Same here. IIRC, which is no sure thing, my blank check vendor offers styles both with and without that purported convenience.

Here are two reasons I still use checks: 1) A physical record of payment can prove to be very important, legally--I pay my rent with a check both because my landlord can't deal with EFT and because in the event of a dispute, a cancelled check is pretty rock-solid proof of payment that relies upon no third-party's record-keeping; and 2) I like the USPS, and I'm perfectly happy to throw them a coupla bucks' worth of business every month to try to help keep them around.

And here are two reasons I might stop using checks (except for the rent): 1) Over the past few years, reports of thieves stealing outbound mail from USPS boxes have become increasingly frequent and worrisome; and 2) If/When the GOP succeeds in their drive to privatize the USPS, they'll get no more voluntary business from me.
  #13  
Old 01-07-2020, 01:09 AM
pulykamell is offline
Charter Member
 
Join Date: May 2000
Location: SW Side, Chicago
Posts: 48,571
I have four checkbooks at hand. Two of them just have a blank "DATE" field. The other two have a "20__" field.

I also have a stack of client checks here. Let me do a quick poll of those checks. Huh. Interesting. The last fifteen handwritten checks I received, each from different clients -- every single one of them just has a plaln "date" field without a pre-printed "20".

To be honest, I don't see the point of preprinting the first two digits of the year.

Last edited by pulykamell; 01-07-2020 at 01:09 AM.
  #14  
Old 01-07-2020, 01:15 AM
PatrickLondon is offline
Guest
 
Join Date: Mar 2015
Location: London
Posts: 3,742
Haven't your banks started chivvying you all on to paperless payments yet? Cheques aren't quite dead yet in the UK, but definitely on the way out.
  #15  
Old 01-07-2020, 01:20 AM
pulykamell is offline
Charter Member
 
Join Date: May 2000
Location: SW Side, Chicago
Posts: 48,571
Quote:
Originally Posted by PatrickLondon View Post
Haven't your banks started chivvying you all on to paperless payments yet? Cheques aren't quite dead yet in the UK, but definitely on the way out.
We're moving that way but, yes, checks are still popular. It's only in the last year or two that the majority of my non-corporate/individual clients have started to pay me electronically. (And it's only a slim majority.) And as far as corporate clients go, pretty much every single one of them still pays me by check. It is annoying, because I would rather be paid electronically both for the convenience/expediency and the ease of tracking/accounting.

Last edited by pulykamell; 01-07-2020 at 01:21 AM.
  #16  
Old 01-07-2020, 01:24 AM
Leaffan's Avatar
Leaffan is online now
Member
 
Join Date: Aug 2005
Location: Ottawa
Posts: 24,896
Yu
Quote:
Originally Posted by PatrickLondon View Post
Haven't your banks started chivvying you all on to paperless payments yet? Cheques aren't quite dead yet in the UK, but definitely on the way out.
This. I don't know of anyone who has written a cheque in Canada in like 15 years.
Our electronic banking system allows you to just pay at the Point Of Service with your bank card.

ETA: Kinda ninjad by Pulykamell.

Last edited by Leaffan; 01-07-2020 at 01:27 AM.
  #17  
Old 01-07-2020, 06:16 AM
Leaffan's Avatar
Leaffan is online now
Member
 
Join Date: Aug 2005
Location: Ottawa
Posts: 24,896
Quote:
Originally Posted by Leaffan View Post
Yu
This. I don't know of anyone who has written a cheque in Canada in like 15 years.
Our electronic banking system allows you to just pay at the Point Of Service with your bank card.

ETA: Kinda ninjad by Pulykamell.
Actually, I'm not even sure if anyone accepts cheques here in Canada anymore; why would they?
  #18  
Old 01-07-2020, 06:23 AM
FinsToTheLeft is offline
Member
 
Join Date: Nov 2010
Location: Toronto, Ontario
Posts: 620
Quote:
Originally Posted by Leaffan View Post
Actually, I'm not even sure if anyone accepts cheques here in Canada anymore; why would they?
You’d be surprised. Corporately, we are about 75% electronic for receivables and about 98% for payables.

Personally, i pay our gardener by cheque quarterly. He is older and low tech, does not even text or have email or I would pay him that way.
  #19  
Old 01-07-2020, 08:22 AM
kayaker's Avatar
kayaker is offline
Member
 
Join Date: Jul 2009
Location: Rural Western PA
Posts: 33,504
Quote:
Originally Posted by FinsToTheLeft View Post
Personally, i pay our gardener by cheque quarterly. He is older and low tech, does not even text or have email or I would pay him that way.
Why not cash, then?
  #20  
Old 01-07-2020, 09:47 AM
Corry El is offline
Guest
 
Join Date: Jan 2013
Posts: 4,038
Quote:
Originally Posted by FinsToTheLeft View Post
You’d be surprised. Corporately, we are about 75% electronic for receivables and about 98% for payables.

Personally, i pay our gardener by cheque quarterly. He is older and low tech, does not even text or have email or I would pay him that way.
Yeah I think some non-Americans in other developed countries overestimate how conservative/backward the US system is and/or how totally electronic theirs is, though maybe based on comments by Americans on web.

If you deal just as consumer with big co's in the US you can write next to zero checks nor will you commonly receive them. A couple of national publications (somewhat ironically) seem to only accept checks for subscriptions, can't think of any other cases where I personally must write a check for consumer purchases from large organizations. More stuff comes in the form of paper check, rebates/refunds for example especially if it's unsolicited. For example I mean if I cash in credit card rebate I'll have it go electronically to my bank account, but if the insurance company pays a rebate on the premium by some law, they don't have my bank acct info necessarily (I might pay *them* by credit card) so not sure what else they'd do but send me a paper check.

Anyway different story dealing as a small business, rental properties. I pay bills by debit card (or preferably credit card to get cash back) where possible, or Venmo to some service providers tuned into that. But a lot of other small businesses (contractors etc) want checks (or paper cash), and our tenants send us checks (or money orders). We just go with the flow there, rather than asking people to accept or send us electronic payments. It's not really a material difference in cost or convenience IMO on the receiving end. On the paying end I'd rather get CC cash back when I pay, for anything personal or business, but obviously that costs the receiver, bigger businesses tend to accept that as greasing the wheels, smaller ones tend not to. Paying electronically from bank account rather than sending a check is less of a clear cut advantage IMO, besides 'oh I/we are so modern'. It can make more than the cost of a stamp/envelope/check in interest to have a big property tax (or personal estimated tax) check postmarked by the deadline but cashed by the govt a week or 10 days later rather than have the money come out of an interest bearing account immediately when you do it electronically.

Last edited by Corry El; 01-07-2020 at 09:49 AM.
  #21  
Old 01-07-2020, 08:22 AM
Fleetwood's Avatar
Fleetwood is offline
Guest
 
Join Date: Nov 1999
Location: NH-US
Posts: 1,050
Quote:
Originally Posted by Leaffan View Post
Actually, I'm not even sure if anyone accepts cheques here in Canada anymore; why would they?
The Province of New Brunswick does. That is how I remit my property taxes each spring.
  #22  
Old 01-07-2020, 10:19 AM
Sparky812 is offline
Member
 
Join Date: Aug 1999
Location: Great White North
Posts: 4,719
Quote:
Originally Posted by Leaffan View Post
Actually, I'm not even sure if anyone accepts cheques here in Canada anymore; why would they?

Believe it or not, I write a lot of cheques for the kids school and/or extra-curricular activities, etc.. but also for several business accounts.

I am VP of our Little League association, on the executive for our Scouting group, the coach/manager for one of my boys hockey teams,and I was treasurer for our local community association so I have signing authority for each. Since all these organizations require 2 signatures for outgoing payments, by cheque is the only way this can be achieved.


Just last week, I was required to send a cheque and official roster through snail-mail for a hockey tournament in Nepean!? ....OK, I didn't have to mail it, but I wasn't driving all the fucking way out to Barrhaven to drop it off
  #23  
Old 01-07-2020, 12:40 PM
FinsToTheLeft is offline
Member
 
Join Date: Nov 2010
Location: Toronto, Ontario
Posts: 620
Quote:
Originally Posted by Sparky812 View Post
Believe it or not, I write a lot of cheques for the kids school and/or extra-curricular activities, etc.. but also for several business accounts.

I am VP of our Little League association, on the executive for our Scouting group, the coach/manager for one of my boys hockey teams,and I was treasurer for our local community association so I have signing authority for each. Since all these organizations require 2 signatures for outgoing payments, by cheque is the only way this can be achieved.


Just last week, I was required to send a cheque and official roster through snail-mail for a hockey tournament in Nepean!? ....OK, I didn't have to mail it, but I wasn't driving all the fucking way out to Barrhaven to drop it off
The Toronto District School Board switched to SchoolCashOnline a couple of years ago. Until then, that was the single largest use of cheques I had.
  #24  
Old 01-07-2020, 11:26 AM
RaftPeople is offline
Guest
 
Join Date: Jan 2003
Location: 7-Eleven
Posts: 6,773
Quote:
Originally Posted by Leaffan View Post
Actually, I'm not even sure if anyone accepts cheques here in Canada anymore; why would they?
From this article (2017):
https://business.financialpost.com/e...-using-cheques

"Canadians write an average of three cheques each month, worth a total of $245."

"If consumers want out, why do many Canadian businesses insist on using cheques?"
  #25  
Old 01-07-2020, 05:30 PM
Corry El is offline
Guest
 
Join Date: Jan 2013
Posts: 4,038
Quote:
Originally Posted by RaftPeople View Post
From this article (2017):
https://business.financialpost.com/e...-using-cheques

"Canadians write an average of three cheques each month, worth a total of $245."

"If consumers want out, why do many Canadian businesses insist on using cheques?"
That's definitely more than I average in the US, for personal (non business) checks, though I might write fewer checks than US average. Again I write checks sometimes strategically. If you pay your estimated income tax, income tax balance or property tax electronically you have to put it in by the due date and it will come out of your account immediately. If you mail a check it only has to be postmarked by the due date and IME at least 7-10 day lag before they deposit it, enough for the float to be worthwhile with interest checking account for larger amounts. Otherwise I write very few personal checks anymore. And even for taxes I now usually pay by credit card through one of the electronic online services. They charge a 1.87% 'convenience fee' for US federal but my CC pays 2.625% cash back, plus again I don't actually have to make that payment out of my bank account to the CC company for almost a month.

But business is a different story, many though not all small business service providers to other small businesses want checks, and tenants send you checks if you rent apartments. As Joey P said, no way would a landlord accept *credit card* payment for rent and pay the fee. If it's a free electronic debit type payment we'd be indifferent. If somebody wants to pay rent with Venmo, fine, but nobody has ever asked to.

It's arguably logical that merchants take CC's and pay the fees on the idea that customers will go elsewhere if they don't, or even spend more because they are using 'buy now, pay later' CC. But nobody is going to turn down an apartment because they can't pay the rent by CC, and once the rent is agreed everybody knows what's going to be bought and paid for each month, unlike a store or flexible service provider where the customer might just buy that extra thing because they are paying with CC (do people really do that? most people think they don't, I don't think I do, but it seems actually many people do).

Last edited by Corry El; 01-07-2020 at 05:31 PM.
  #26  
Old 01-07-2020, 01:48 AM
Lord Feldon's Avatar
Lord Feldon is offline
Member
 
Join Date: Dec 2010
Location: Ohio, USA
Posts: 6,709
Quote:
Originally Posted by PatrickLondon View Post
Haven't your banks started chivvying you all on to paperless payments yet? Cheques aren't quite dead yet in the UK, but definitely on the way out.
Things have been slowly changing, but one of the changes is that checks often are paperless, from the bank's point of view. If I get a check, I can deposit it from the convenience of my home, and the bank never touches it. There's still inefficiency in that I have to receive a physical piece of paper, but that's my inconvenience, not theirs.

Last edited by Lord Feldon; 01-07-2020 at 01:53 AM.
  #27  
Old 01-07-2020, 04:08 AM
cochrane is offline
Guest
 
Join Date: Jun 2006
Location: The Nekkid Pueblo
Posts: 22,691
Quote:
Originally Posted by PatrickLondon View Post
Haven't your banks started chivvying you all on to paperless payments yet? Cheques aren't quite dead yet in the UK, but definitely on the way out.
When all of my creditors start taking electronic payment, then I can stop writing checks. I don't write them out of any desire to do so. Some businesses aren't set up to receive payments any other way.
  #28  
Old 01-07-2020, 09:10 PM
suranyi is offline
Charter Member
 
Join Date: Sep 2000
Posts: 7,911
Quote:
Originally Posted by PatrickLondon View Post
Haven't your banks started chivvying you all on to paperless payments yet? Cheques aren't quite dead yet in the UK, but definitely on the way out.
I definitely make the vast majority of my payments electronically, but I still use checks regularly. Here are a few reasons:

1. For my son’s extracurricular activities at school, if I need to pay for anything then I need to write a check. They aren’t set up to accept electronic payments or credit cards at all.

2. My son’s piano teacher accepts payments in cash or check. Period.

3. Many small business service providers, e.g. plumbers, will give a small discount for paying by check instead of credit card. Some still won’t take credit cards at all.

Edit: I forgot the biggest reason of all: With a check, you can give someone money when all you know is their name, e.g. as a gift.
__________________
Right now, it’s Girls’ Generation. Tomorrow, it’s Girls’ Generation. Forever, it’s Girls’ Generation!

Last edited by suranyi; 01-07-2020 at 09:12 PM.
  #29  
Old 01-07-2020, 06:32 AM
Colophon is offline
Guest
 
Join Date: Sep 2002
Location: Hampshire, England
Posts: 13,661
On a related note, I saw a post on Facebook the other day warning people not to write the year as just "20", as it could easily be changed to another year, e.g. 6 Jan 20 could be turned into 6 Jan 2019 or 6 Jan 2021. Worth bearing in mind.

(Of course last year people could have changed it all to anything from 1900 to 1999, but a one-year change is more likely to be useful, I imagine.)
  #30  
Old 01-07-2020, 08:32 AM
Great Antibob is offline
Guest
 
Join Date: Feb 2003
Posts: 5,467
Quote:
Originally Posted by Colophon View Post
On a related note, I saw a post on Facebook the other day warning people not to write the year as just "20", as it could easily be changed to another year, e.g. 6 Jan 20 could be turned into 6 Jan 2019 or 6 Jan 2021. Worth bearing in mind.
Not that it's not prudent, but the warning seems to be more of a viral phenomenon than based on any actual cases or analysis by experts.
  #31  
Old 01-07-2020, 09:12 AM
Joey P is offline
Charter Member
 
Join Date: Jun 1999
Location: Milwaukee, WI
Posts: 29,748
Quote:
Originally Posted by Colophon View Post
On a related note, I saw a post on Facebook the other day warning people not to write the year as just "20", as it could easily be changed to another year, e.g. 6 Jan 20 could be turned into 6 Jan 2019 or 6 Jan 2021. Worth bearing in mind.

(Of course last year people could have changed it all to anything from 1900 to 1999, but a one-year change is more likely to be useful, I imagine.)
That's been floating around for a few days. I've yet to see a good example of why someone changing a date I wrote from "20" to "20xx" would be of any real concern. I understand what they're driving at, but I'm just not sure it's that big of a deal.

It seems like less of a big deal than an attorney friend of mine who (this was back in the 80's, before color printers/copiers/scanners) would only sign things in red ink. The reason being, if someone handed him a document with his signature in black, he knew it was a copy.
  #32  
Old 01-07-2020, 11:28 AM
markn+ is offline
Guest
 
Join Date: Feb 2015
Location: unknown; Speed: exactly 0
Posts: 2,991
Quote:
Originally Posted by Colophon View Post
On a related note, I saw a post on Facebook the other day warning people not to write the year as just "20", as it could easily be changed to another year, e.g. 6 Jan 20 could be turned into 6 Jan 2019 or 6 Jan 2021. Worth bearing in mind.
I too am not seeing the danger here. I should be worried that if I write a check to someone, they might modify it in such a way that it can't be cashed for several years? I say go for it.

(Of course I know that the check date doesn't really mean anything and postdated checks can be deposited regardless of the date, which makes this urban legend even more pointless.)

Last edited by markn+; 01-07-2020 at 11:30 AM.
  #33  
Old 01-07-2020, 09:17 AM
Jasmine's Avatar
Jasmine is offline
Member
 
Join Date: Jul 1999
Location: Chicagoland
Posts: 2,457
They should just have a "2", this way it would last a whole thousand years.
__________________
"The greatest obstacle to discovery is not ignorance -- it is the illusion of knowledge."
--Daniel J Boorstin
  #34  
Old 01-07-2020, 09:19 AM
campp is online now
Guest
 
Join Date: Mar 2010
Location: Arizona, USA
Posts: 3,237
Quote:
Originally Posted by Jasmine View Post
They should just have a "2", this way it would last a whole thousand years.
Ha!

I have a blank check from the 1920s, from Panhandle Bank, Texas. It has 192_ pre-printed, not just 19__. Of course, you had to write in your name and acct number, because they were just generic.
  #35  
Old 01-07-2020, 09:26 AM
CookingWithGas's Avatar
CookingWithGas is offline
Charter Member
 
Join Date: Mar 1999
Location: Tysons Corner, VA, USA
Posts: 13,629
Quote:
Originally Posted by Joey P View Post
Then there's the other big convenience, the end of the line where you spell out the amount nearly always has "dollars" written there. I'm willing to bet most people write that anyways. Now your check says "Two hundred fifteen dollars and 17/100----------------dollars".
My check says "Two hundred fifteen and 17/100----------------dollars". There is not enough room to write my own "dollars" and it wouldn't make sense. I have never received a check from someone who did. I would take that bet but I don't know how we'd settle it.
  #36  
Old 01-07-2020, 09:50 AM
hajario's Avatar
hajario is offline
Charter Member
 
Join Date: Apr 2001
Location: Santa Barbara, California
Posts: 16,252
Quote:
Originally Posted by Colophon View Post
On a related note, I saw a post on Facebook the other day warning people not to write the year as just "20", as it could easily be changed to another year, e.g. 6 Jan 20 could be turned into 6 Jan 2019 or 6 Jan 2021. Worth bearing in mind.

(Of course last year people could have changed it all to anything from 1900 to 1999, but a one-year change is more likely to be useful, I imagine.)
What would be the consequence of someone modifying the date like that?

Quote:
Originally Posted by kayaker View Post
Why not cash, then?
Why not a check? I rarely see my gardener. He comes over when I’m at work. Two or three times a year he leaves an envelope under my doormat with an invoice (a small scrap of paper with what I owe) and I mail him a check.
  #37  
Old 01-07-2020, 10:15 AM
kayaker's Avatar
kayaker is offline
Member
 
Join Date: Jul 2009
Location: Rural Western PA
Posts: 33,504
Quote:
Originally Posted by hajario View Post
Why not a check? I rarely see my gardener. He comes over when I’m at work. Two or three times a year he leaves an envelope under my doormat with an invoice (a small scrap of paper with what I owe) and I mail him a check.
OK, not seeing him would make cash more difficult. I try to pay people running their own small businesses with cash to make things easier on them.
  #38  
Old 01-08-2020, 05:03 AM
Colophon is offline
Guest
 
Join Date: Sep 2002
Location: Hampshire, England
Posts: 13,661
Quote:
Originally Posted by hajario View Post
What would be the consequence of someone modifying the date like that?
Off the top of my head, if you signed some agreement to pay X amount a month “from 1/1/20”, somebody could change it to “1/1/2019” and try to claim you owed them an extra year’s worth of payments. I doubt if they’d have much luck but I presume this is the sort of thing the warning had in mind.

Or if you signed a post-dated cheque for, say, six months’ time with “8 July 20”, someone could fill in “19” and cash it immediately.
  #39  
Old 01-07-2020, 10:02 AM
Joey P is offline
Charter Member
 
Join Date: Jun 1999
Location: Milwaukee, WI
Posts: 29,748
Quote:
Originally Posted by CookingWithGas View Post
My check says "Two hundred fifteen and 17/100----------------dollars". There is not enough room to write my own "dollars" and it wouldn't make sense. I have never received a check from someone who did. I would take that bet but I don't know how we'd settle it.
How about any of these that popped up when I did a google image search for "handwritten check"?

Of course, it should be noted that it's redundant, but still correct. I mean $135.17 can be written as "one hundred thirty five and 17/100 dollars" or "one hundred thirty five dollars and 17/100 dollars" or even "one hundred dollars and thirty dollars and five dollars and 17/100 dollars". It's all correct.
In the end, it's just personal. As I was looking for the images, I noticed a lot of checks on auction sites written by Madonna, who writes the word dollar in the middle. I (and you) don't do it. I stopped years and years ago when I realized it wasn't necessary since the one at the end of the line took care of it. Besides, it's not like anyone looks at it that closely anyway.
  #40  
Old 01-07-2020, 10:16 AM
BrotherCadfael is offline
Guest
 
Join Date: Feb 2003
Location: Vermont
Posts: 10,399
Quote:
Originally Posted by NotherYinzer View Post
My checks all had the 19__ on them and I, too, was wondering when the checkbooks were going to get on the ball and print the 20___.
I remember asking my dad about this in the mid-60s. "What will they do when 2000 comes around?"
  #41  
Old 01-07-2020, 10:22 AM
CookingWithGas's Avatar
CookingWithGas is offline
Charter Member
 
Join Date: Mar 1999
Location: Tysons Corner, VA, USA
Posts: 13,629
Quote:
Originally Posted by Joey P View Post
How about any of these that popped up when I did a google image search for "handwritten check"?
I'm not surprised you could find examples. I'm not saying that nobody does it, but I would bet that most people don't. If there were a way to prove it I would bet ten and 00/100 dollars Or a beer.
  #42  
Old 01-07-2020, 10:16 AM
pulykamell is offline
Charter Member
 
Join Date: May 2000
Location: SW Side, Chicago
Posts: 48,571
Quote:
Originally Posted by CookingWithGas View Post
My check says "Two hundred fifteen and 17/100----------------dollars". There is not enough room to write my own "dollars" and it wouldn't make sense. I have never received a check from someone who did. I would take that bet but I don't know how we'd settle it.
Well, since I have 15 handwritten checks sitting here, let me take a quick survey of them and report.

Eleven of them do not have a handwritten "dollars." The other four do.
  #43  
Old 01-07-2020, 11:07 AM
Marvin the Martian is offline
Member
 
Join Date: Jun 2015
Location: Phoenix, AZ, USA
Posts: 1,355
While I rarely write a personal check myself, my bank's online bill pay service will issue paper checks to any payee who does not accept electronic payment. Tend to be smaller vendors like my landscape service, pool service, etc. My pool service issues invoices via Quickbooks and I can log into Quicken and pay electronically, but that is a pain. Not sure why the online bill pay service can't let me pay electronically through Quickbooks (possible Quickbooks is their competitor).
  #44  
Old 01-07-2020, 11:14 AM
Joey P is offline
Charter Member
 
Join Date: Jun 1999
Location: Milwaukee, WI
Posts: 29,748
Quote:
Originally Posted by Marvin the Martian View Post
While I rarely write a personal check myself, my bank's online bill pay service will issue paper checks to any payee who does not accept electronic payment. Tend to be smaller vendors like my landscape service, pool service, etc. My pool service issues invoices via Quickbooks and I can log into Quicken and pay electronically, but that is a pain. Not sure why the online bill pay service can't let me pay electronically through Quickbooks (possible Quickbooks is their competitor).
Quickbooks and Quicken were both owned by Intuit until very recently. Also, they're not really competitors since Quicken is for home use and Quickbooks is for running a business. There's a very, very small amount of crossover, but it's pretty limited to people running little tiny business (ie working from home, no employees, bringing in a few grand a year) and just need an extra hand keeping track of expenses.

I would guess the reason for not being able to pay through Quicken is that they're two different products, they just happen to have similar names. Also, Quickbooks has spent the last 5+ years trying to get as much as they can online and creating a cloud based suite of products (suite? is that right?). In any case, it makes some amount of sense that in order for anyone to do anything in that cloud, you have to be logged into their cloud. I'm not sure if that makes sense, or even if it's correct. But it's my guess.

Of course, Intuit does a lot of things that make very little sense. So they may have just not been thinking far enough into the future to realize that a lot of businesses send bills to people that are just consumers or otherwise have no reason to own quickbooks or any other intuit product.
  #45  
Old 01-07-2020, 05:44 PM
Marvin the Martian is offline
Member
 
Join Date: Jun 2015
Location: Phoenix, AZ, USA
Posts: 1,355
Quote:
Originally Posted by Joey P View Post
Quickbooks and Quicken were both owned by Intuit until very recently. Also, they're not really competitors since Quicken is for home use and Quickbooks is for running a business. There's a very, very small amount of crossover, but it's pretty limited to people running little tiny business (ie working from home, no employees, bringing in a few grand a year) and just need an extra hand keeping track of expenses.

I would guess the reason for not being able to pay through Quicken is that they're two different products, they just happen to have similar names. Also, Quickbooks has spent the last 5+ years trying to get as much as they can online and creating a cloud based suite of products (suite? is that right?). In any case, it makes some amount of sense that in order for anyone to do anything in that cloud, you have to be logged into their cloud. I'm not sure if that makes sense, or even if it's correct. But it's my guess.

Of course, Intuit does a lot of things that make very little sense. So they may have just not been thinking far enough into the future to realize that a lot of businesses send bills to people that are just consumers or otherwise have no reason to own quickbooks or any other intuit product.
Sorry, I mistyped Quicken for Quickbooks. I was wondering why I can't set up ebills and electronic payments through my bank's online payment service with a vendor who issues invoices (and can receive payments) through Quickbooks. The only way to pay this vendor is (1) through my bank's online bill pay, in which case they send a paper check directly to him or (2) logging into Quickbooks and making an ACH payment. Most larger vendors (electric, gas, cable) I can get a bill electronically in my bank's system and submit a payment up to the day before the due date - or better yet have automatic payment set up so I don't have to do anything.
  #46  
Old 01-07-2020, 11:29 AM
bob++ is offline
Guest
 
Join Date: Jan 2013
Location: Worcestershire UK
Posts: 6,941
Back in the day when I used to write cheques, the date line was always blank - I made a thing about always writing the month in full (January etc) rather and '/1', but I doubt that anyone noticed.

The amount was alway there twice. Once in writing - Twenty five pounds and 35 pence, and the other (where it was presumably scanned) in a box as a number 25 - 50.

''A/C Payee Only" was pre-printed across the cheque but I have doubts as to whether it had any real validity.

These days most larger organisations offer a discount for paying by direct debit. Some charge extra for credit card payments and some refuse to accept cheques at all. A one-man business I deal with uses PayPal for electronic transactions but prefers cash.
  #47  
Old 01-07-2020, 11:39 AM
Acsenray is offline
Charter Member
 
Join Date: Apr 2002
Location: U.S.A.
Posts: 36,647
When people talk about how obsolete paper checks are, they never mention how useful they were. You could write a check and get credit for payment knowing that it wouldn't be cashed for several days at least. That was very important to me if my account was low in funds. I would get time to either deposit more money or expect that my paycheck would be deposited before the payee got around to depositing the check. You can't do that with a debit card.
__________________
*I'm experimenting with E, em, and es and emself as pronouns that do not indicate any specific gender nor exclude any specific gender.
  #48  
Old 01-07-2020, 11:51 AM
The Librarian's Avatar
The Librarian is online now
Guest
 
Join Date: May 2002
Location: Delft
Posts: 1,225
Quote:
Originally Posted by Acsenray View Post
When people talk about how obsolete paper checks are, they never mention how useful they were. You could write a check and get credit for payment knowing that it wouldn't be cashed for several days at least. That was very important to me if my account was low in funds. I would get time to either deposit more money or expect that my paycheck would be deposited before the payee got around to depositing the check. You can't do that with a debit card.
On the flip side: Our cleaning lady can send me a text when she's leaving our house and have the money in her account when she reaches the shop.
In the dark ages that would take up to 3 "working" days, or I would have to remember to leave enough cash (the exact amount) on the kitchen table.
  #49  
Old 01-07-2020, 12:04 PM
Sparky812 is offline
Member
 
Join Date: Aug 1999
Location: Great White North
Posts: 4,719
Quote:
Originally Posted by Acsenray View Post
When people talk about how obsolete paper checks are, they never mention how useful they were. You could write a check and get credit for payment knowing that it wouldn't be cashed for several days at least. That was very important to me if my account was low in funds. I would get time to either deposit more money or expect that my paycheck would be deposited before the payee got around to depositing the check. You can't do that with a debit card.
Yep, you could always float yourself a couple of days until your next pay cheque especially between different banking institutions.

Unfortunately, thanks to computers and the internet, cheques go through much quicker if not instantaneously these days.
  #50  
Old 01-07-2020, 12:35 PM
kayaker's Avatar
kayaker is offline
Member
 
Join Date: Jul 2009
Location: Rural Western PA
Posts: 33,504
Quote:
Originally Posted by Sparky812 View Post
Yep, you could always float yourself a couple of days until your next pay cheque especially between different banking institutions.
Back when I accepted checks, that was one of my pet peeves. Someone would write a check that would bounce. The person would often be pissed off because the check was "put through too fast".

Many people would blame their bounced check on the bank. In one case that was correct! The guy brought a letter from his bank explaining that he deposited sufficient funds to cover the check, but the ATM was hit by lightning!
Reply

Bookmarks

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off

Forum Jump


All times are GMT -5. The time now is 08:26 AM.

Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2020, vBulletin Solutions, Inc.

Send questions for Cecil Adams to: cecil@straightdope.com

Send comments about this website to: webmaster@straightdope.com

Terms of Use / Privacy Policy

Advertise on the Straight Dope!
(Your direct line to thousands of the smartest, hippest people on the planet, plus a few total dipsticks.)

Copyright © 2019 STM Reader, LLC.

 
Copyright © 2017