What Are Duplicate Checks And Why Have Them For Image Checks, Style Checks, Top Stub Checks
It's rare that anyone pays with cash anymore due to the convenience of debit, credit and checks, but with all the frequent transactions that you make, it's easy to lose track of your expenditures or to detect if anything is coming out of your account that shouldn't. That's why duplicate checks can save you from memory loss and help you keep your accounts balanced and up to date.
When you buy checks, there are many options for you to choose from, far more than there used to be. If you make a lot of payments via check, like if you own a small business and pay suppliers, workers or services, then getting duplicate checks is the best choice for you. They are slightly more expensive, maybe $2 more per box than single checks, but they have a carbon copy of every check you sign for you to keep for your records. This helps you to keep track of every payment made without having to constantly balance a checkbook. If you go with a bank, they do not require you to have duplicates, but if you are with a credit union, it is mandatory to order duplicate checks for their safety reasons. It is also recommended that if this is your source of tracking, to keep your duplicates for up to 7 years in case you ever need to refer to any payments. Many banks however, offer you the ability to download a copy of your check online for validation purposes, but for everyday spending and tracking, duplicate checks are much easier.
If duplicate checks are too messy or smelly for you due to the carbon, another method of keeping your account in order easily is by getting top stub checks. This format usually includes a wire bound book where the top part is a stub attached to your check on the lower half. When you detach the check, record all the information in the stub above, and you will be left with a book of payment receipts. It is still easier than keeping a checkbook up to date since it is all attached, and with the wire bound design, it is easy to store and keep together.
The great thing too is that now you can customize your checks so that they are personal to you. Image checks allow you to upload any image, including personal photos that can then be printed onto your checks. This can be fun, but it is also a unique marketing technique if your company has a logo or slogan, so that it can be printed right on the checks it uses. If you simply want something different but don't have your own design to add, there are many style checks you can also choose from that contain artwork, animals, landscapes and other beautiful designs.
Using checks to pay for services, utilities, workers and even regular shopping is commonplace today, so why not use checks that are beautiful as well as functional? Small business owners or people working with many contractors or service people can also make a statement by including their business logo on the check, but in that case, more important than designing your checks is keeping track of them. If the volume of checks you send out is considerable, you should look into getting duplicate checks. When dealing with many different people and payments, having a record of every transaction made is a safe choice.
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