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Check It Out

Check It Out. Usar cheques es muy fácil. Kenneth Jones 201 First Street Your Town, GA 30600. 764. 00-5678 760 200.00. 10/31. 98. 19. Marie Smith. PAY TO THE ORDER OF. $. Two hundred and no/100. DOLLARS. FINANCIAL INSTITUTION YOUR CITY, GA, 30600. Kenneth Jones. For.

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Check It Out

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  1. Check It Out Usar cheques es muy fácil

  2. Kenneth Jones 201 First Street Your Town, GA 30600 764 00-5678 760 200.00 10/31 98 19 MarieSmith PAY TO THE ORDER OF $ Two hundred and no/100 DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, 30600 Kenneth Jones For SAMPLE - VOID : 760005678:: 0764 34 5 ‘’ ‘ 678 9 0.; ENDORSE HERE For Deposit Only 345 - 67890 DO NOT SIGN, WRITE, OR STAMP BELOW THIS LINE. FOR FINANCIAL INSTITUTION USE ONLY MarieSmith

  3. KennethJones 201 First Street Your Town, GA 30600 412 10/31 98 00-5678 760 200.00 19 Marie Smith $ PAY TO THE ORDER OF Two hundred and no/100 DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, 30600 Kenneth Jones loan For SAMPLE - VOID : 760005678:: 412 34 5 ‘’ ‘ 678 9 0.; ENDORSE HERE DO NOT SIGN, WRITE, OR STAMP BELOW THIS LINE. FOR FINANCIAL INSTITUTION USE ONLY MarieSmith Maria Smith For Deposit Only 345-67890

  4. For deposit only Maria Smith 1098765-4321 ENDORSE HERE DO NOT SIGN, WRITE, OR STAMP BELOW THIS LINE. FOR FINANCIAL INSTITUTION USE ONLY. Pay to the order of Larry Lee Maria Smith Larry Lee ENDORSE HERE Pay to the Order of Larry Lee Maria Smith DO NOT SIGN, WRITE, OR STAMP BELOW THIS LINE. FO ENDORSE HERE DO NOT SIGN, WRITE, OR STAMP BELOW THIS LINE. FOR FINANCIAL INSTITUTION USE ONLY.

  5. Sample Deposit Ejemplo de un depósito

  6. Your Name Your Address Your Phone Number CURRENCY COIN DATEOctober 3019 98 0 200 0 CHECKS DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL OR TOTAL FROM REVERSE DEPOSIT TICKET SIGN HERE IF CASH RECEIVED FORM DEPOSIT SUBTOTAL YOUR FINANCIAL INSTITUTION YOUR CITY, GA 30600 LESS CASH RECEIVED 0 0 200 NET DEPOSIT DO NOT USE FOR AUTOMATIC PAYMENT OR CHECK TRANSACTIONS :760005678 : 12395 87890.: TO BE USED FOR DEPOSIT TRANSACTIONS ONLY, SUBMIT A CHECK FOR AUTOMATIC PAYMENT SET UP. 00-5678 760

  7. “Holds” on Checks • To clear deposits: • 2 Business Days -- all checks from insti-tutions within same Federal Reserve System • 5 Business Days -- out-of-town checks • Para tramitar depósitos: • 2 días hábiles -- todos los cheques de instituciones dentro del mismo sistema de Reservas Federales • 5 días hábiles -- cheques de otras ciudades Cuando "retienen" un cheque

  8. More on Check Holds • Available the “next” day -- cash deposits, government checks, cashier’s and certified checks • Disponible al día siguiente -- efectivo, depósitos, cheques del gobierno, cheques de caja y certificados Más sobre retención de cheques

  9. Gene Smith 201 Night Street Your Town, GA 30600 101 00-5678 760 10.00 10/31 98 19 Star Market PAY TO THE ORDER OF $ Ten and no/100 DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, 30600 Gene Smith food For SAMPLE - VOID : 760005678:: 0101 34 5 ‘’ ‘ 678 9 0.; Gene Smith 201 Night Street Your Town, GA 30600 102 00-5678 760 20.00 10/31 98 19 Phone Company PAY TO THE ORDER OF $ Twenty and no/100 DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, 30600 Gene Smith For Telephone - Sept. : 760005678:: 0102 34 5 ‘’ ‘ 678 9 0.; SAMPLE - VOID

  10. Gene Smith 201 Night Street Your Town, GA 30600 103 00-5678 760 10/31 98 19 20.00 Dr. Lopez PAY TO THE ORDER OF $ Twenty and no/100 DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, 30600 Gene Smith For Doctors visit SAMPLE - VOID : 760005678:: 0103 34 5 ‘’ ‘ 678 9 0.; Gene Smith 201 Night Street Your Town, GA 30600 104 00-5678 760 10/31 98 19 100.00 Your Bank PAY TO THE ORDER OF $ One hundred and no/100 DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, 30600 Gene Smith For car loan SAMPLE - VOID : 760005678:: 0104 34 5 ‘’ ‘ 678 9 0.;

  11. Your Bank ATM Receipt Date: 11/10/98 Time: 16:35 ATM# 312 2302 Westside Drive Banktown, IL 60202 Ref#: 8210 Card#: 4891 Your Bank Withdrawal $20.00 From Checking: 123456789 Balance: $80.00 Su recibo del cajero automático

  12. Sample Checkbook Register Ejemplo de registro de cheques

  13. Record in Checkbook Anote cada • Cheque • Depósito • Retiro de el cajero automática • Cargos por servicios Record Each • Check • Deposit • ATM Withdrawal • Service Charges Anote en la chequera

  14. Up-to-date checkbook register helps you to not . . . • Over spend • Write bad checks • Pay extra service charge Helps you keep a good credit record

  15. Checkbook Register 2 8 3 7 1 4 6 5 FEE DEPOSIT BALANCE # DATE DESCRIPTION OF TRANSACTION PAYMENT - DEBT IF OR ü ANY CREDIT (+) 0 T 10/20 Open acct. 50 50 D 10/21 Deposit 200 250 101 10/31 Star Market 10 240 20 Phone Co. 220 102 10/31 103 10/31 Dr.Lopez 200 20 100 104 10/31 Bank Loan 100 20 80 A TM 11/10 Registro de cheques

  16. The Bank Statement El estado de cuenta

  17. Sample Checking Account Balance Sheet Modelo de una hoja de balance

  18. Service Fees List service fees in checkbook. Subtract from your balance. Cargos por servicios Anote los cargos por servicios en su chequera. Deduzca los cargos del balance.

  19. Outstanding checks -- • Checks written, but not taken out of account • List and total on bank statement • Cheques sin cobrar-- • Cheques escritos que no han sido deducidos de la cuenta • Anote y calcule el total en el estado de cuenta

  20. Outstanding deposits • Deposits not added to account Depósitos pendientes • Depósitos que no se han añadido a la cuenta

  21. Do They Match? Compare bank statement total with checkbook total ¿Corresponden los totales? Compare el total en el estado de cuenta con el total en su chequera

  22. When They Don’t Match Check addition and subtraction Verifique sumas y restas Check for items left out Fíjese si dejó algo fuera Cuando no corresponden

  23. If you can’t solve problem, ask the bank(the bank may charge a fee) Si no puede resolver el problema, pida ayuda al banco (le pueden cobrar un cargo)

  24. El tener al día su registro de cheques le ayuda a no… • Gastar de más • Escribir cheques sin fondos • Pagar más cargos por servicios Le ayuda a mantener un buen historial de crédito

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