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Learning about

Checking

Accounts

WHAT YOU NEED TO KNOW

©2010 Deluxe Corp. All Right Reserved.

Contents
Learn About Checking Accounts
Write a Check

3

................................

4

....................................................

Manage the Money in Your Account

5

............................

Deposit Money in Your Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Endorse a Check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
Review Your Monthly Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
Check Processing

11

...............................................

Balance Your Account
Do’s and Don’ts
Glossary

12

..........................................

16

................................................

17

.........................................................

Practice Exercises . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18
Answers to Practice Exercises

26

...................................

NOTE

Words that you see underlined throughout this guide are explained in the glossary.

Education Learning About Checking

Page 2

2

Learn About

Checking Accounts
For thousands of years, people have used some sort of currency or type of money
to pay for things they want. Different countries and cultures have used everything
from seashells to pigs to purchase goods and services. Now, in modern times, we
use four main ways to pay—

cash, credit cards, debit cards and checks.
This guide talks about checks. You’ll learn about...





having a checking account with your financial institution
how to deposit money
how to write checks (make withdrawals)
how to keep track of your money

Whether you have just started a checking account or plan to open one in the future,
this guide will give you the information you need to use a checking account.
You may be asking...What’s so great about a checking account?
• It’s like carrying all your money with you, but much safer.
• It helps you keep track of your money and what you spend it on.
When you start filling out the forms you use with your checking account, it might
seem confusing. But it won’t take you long to figure it out.

So, let’s get started.

Education Learning About Checking

Page 3

3

Write a check
Writing checks is easy, with a little practice. When you write checks, always use a blue
or black ink pen and write neatly. Every time you write a check, you’ll fill in the
following six spots:

00-6789/0000
12345678

JAMES C. MORRISON

© DELUXE WALLET OR DUPLICATE



1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345

PAY TO THE
ORDER OF

1

2

DATE

$

4

3
DOLLARS

Security features
included.
Details on back.

SAMPLE - VOID
MEMO

5

6

SAFETY PAPER

1

Date: Write the date.

2

Pay to the Order of: Write the name of the check’s recipient.

3

$ Amount: Write the check’s amount using numerals. When you write the

number, start at the left and don’t leave space. People could add in more
numbers if you do.
4

Dollars: Write, in words, how much the check is for. When you write the

words for the dollars, start at the left side. Write any cents as a fraction. (See
sample.) Draw a line through the extra space.
5

Signature: Sign your name on the signature line, just like it is on the top of

the check. Don’t sign it until you use it. If you sign it ahead of time, someone else
could use the check.
6

Memo: Note what the payment is for. (See sample.)

It is important to write your check legibly to make sure your check is accurately processed.
For practice go to page 18
Education Learning About Checking

Page 4

4

Manage the Money
in Your Account
A check register helps you keep track of the money in your checking account.
That’s where you write down everything you do with your account. Whenever you
deposit money or withdraw money, or use your ATM or debit card, write it in the
check register immediately.
When you write something in your check register, we call it recording a
transaction. So let’s take a look at a check register and how it works.
The columns in your check register are labeled. Here’s what each column is for:
AD-Automatic Deposit
NUMBER OR
CODE

DATE
A

Codes
ATM
D
DC
E
TT
T
O

AP-Automatic Payment

Automatic Teller Machine
Deposit
Debit Card
Electronic Check
Telephone Transfer
Tax Deductible
Other

ATM-Teller
T
Machine

TRANSACTION DESCRIPTION

DC-Debit Card
PAYMENT
A
AMOUNT

T-Tax
T Deductible
FEE

TT-Telephone
T
T
Transfer

DEPOSIT
AMOUNT

1

Number: This is the check number. You’ll find it in the upper right corner
of each check. Every check has a different sequential number.

2

Date: Write the date you wrote the check.

3

Description of Transaction: This tells what you did. Did you deposit
money? Write a check? Use the Automated Teller Machine (ATM) or debit
machine? Make a telephone transfer? Describe your transaction here.

4

Payment/ Debit: Write the check or withdrawal amount.

5

Code for Transaction: This is where you fill in a code for transactions you

make when you aren’t writing a check. When you get your statement, every
month you’ll place a “ ” through this box when you see the transaction listed.
6

Service Fee: If your financial institution charges you money to write each
check or to withdraw money from the ATM, write that fee in this space.

7

Deposit/Credit: Did you deposit money into your account? Write down

For practice go to page 19

any deposit into your account.
8

Balance: To find out how much money you have, add the deposited

money to what you had before. Or subtract the withdrawal amount from
what you had before. The money left is your balance.
NOTE

When you write a check, withdraw money from the ATM, or deposit money
into your account, write it down right away. It’s easy to forget if you wait.
Education Learning About Checking

Page 5

5

Deposit Money
in Your Account
You can put cash and checks into your account in different ways. When you’re
ready to deposit money at your financial institution, you need to fill out a form
called a deposit ticket.

2

1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345

3
1

5

DATE_____________________________________________________________
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL



(OR TOTAL FROM OTHER SIDE)

S U B TOTA L

6

LESS CASH

7



8

____________________________________________________________________



SIGN HERE FOR CASH RECEIVED (IF REQUIRED)

* RECEIVED



$

2

1
x























MUST BE ENTERED
ON FRONT SIDE

5

x



TOTAL

10

x



LIST SINGLY

20

x

DOLLARS

4
CHECKS

50

x

TOTAL

100

x

$



CENTS

9

x

© DELUXE

JAMES C. MORRISON



C U R R E N C Y C O U N T - F O R F I N A N C IA L I N S T I T U T IO N U S E ON L Y

CASH

00-6789
0000



BACK

DEPOSIT TICKET



HD-101

FRONT

CHECKS AND OTHER ITEMS ARE RECEIVED FOR DEPOSIT SUBJECT TO THE PROVISIONS
OF THE UNIFORM COMMERCIAL CODE OR ANY APPLICABLE COLLECTION AGREEMENT.

You’ll find your deposit tickets in your checkbook, behind the checks. They have
printing on both sides. Just like with the checks and the check register, there are
areas you need to complete. Use a pen to fill out the form. It is very important
that you write neatly. Here are the spots to fill in on your deposit ticket.

NOTE

The deposit ticket style for each financial institution may vary slightly.
Education Learning About Checking

Page 6

6

Deposit Money
in Your Account (continued)
1

Date: The date you are depositing money.

2

Cash: The amount of cash you are depositing. Add it all together, and write

it down here.
3

Check Entry Area: This is where you write down each check you’re

depositing. Put each check amount on its own line.
4

Additional Check Entry Area: The back also has space for checks, if you

run out of room on the front.
5

Total From Other Side: If you have more than three checks and wrote

them down on the back side, add them up and put the total here. If you are
depositing three checks, this is the place you write down the third one.
6

Sub Total: Add items 2, 3 and 5.

7

Less Cash Received: If you want to deposit part of the money, and get part
of the money in cash, write down how much you want to receive in cash.

8

Sign Here: If you want cash back, sign your name here.

9

Net Deposit: Add all the cash and all the checks together. If you are

receiving cash back, subtract that amount. The result is your net deposit.
Write down that amount here.

For practice go to pages 20-22
Education Learning About Checking

Page 7

7

Endorse a check
If you’ve got a job, chances are you get paid with a check. To deposit that check,
you need to endorse it. That means you sign your name in ink on the back of the
check. Sign your name the same way it’s written on the check. If your name is
spelled wrong, also sign your name the correct way on the next line.
There are a few ways to endorse your check.
BLANK
ENDORSEMENT

SPECIAL
ENDORSEMENT

RESTRICTIVE
ENDORSEMENT

Sign your name the same way it’s
written on the front of the check.
Only sign it when you’re ready to
cash it or deposit the money into
your account. Once the check is
signed on the back (endorsed),
someone else could get your
money if you lose the check.
Do this when you want to give
someone else the money. Write
“pay to the order of ” and that
person’s name below it. Then
sign your name underneath. Now
only that person can cash the
check. (See sample.)
When you want your check to be
very safe, such as when you send
it to your financial institution in
the mail, use this kind of
endorsement. Write “for deposit
only” and sign underneath. Now
the check can only be deposited
into your account, not cashed.
(See sample.)

ENDORSE HERE

DO NOT WRITE, STAMP OR SIGN BELOW THIS LINE
RESERVED FOR FINANCIAL INSTITUTION USE*

ENDORSE HERE

DO NOT WRITE, STAMP OR SIGN BELOW THIS LINE
RESERVED FOR FINANCIAL INSTITUTION USE*

ENDORSE HERE

DO NOT WRITE, STAMP OR SIGN BELOW THIS LINE
RESERVED FOR FINANCIAL INSTITUTION USE*

For practice go to pages 23
Education Learning About Checking

Page 8

8

Review Your

Monthly Statement
Every month, you’ll get a statement from your financial institution. This
statement tells you:
• Every check that you wrote (the ones that have been processed— see
example on next page).
• Money you took out of the ATM, transferred by telephone or any
other withdrawals.
• All of your debit card transactions.
• All of your deposits.
• Your ending balance (how much you have in your account on the date the
statement was printed).
The envelope containing your statement may also contain your canceled checks.
You may receive pictures or images of the checks you’ve written, or a paper
document or image of a substitute check, (go to page 11). These are the checks
you’ve already written that have been cleared (paid out of your account) by your
financial institution. Any checks you’ve written that have not cleared are called
outstanding checks.
The purpose of your monthly statement is to give you information about your
account’s activity every month. Here are the different sections:
1

Return Address: This is where your financial institution sends your

statement from.
2

Account Information: Here is where you will find your personal

information, like the type of account you have, account number and social
security number.
3

Deposits: This is where your deposits are listed. You’ll see the date and the

amount of money you deposited.
4

Checks and Deductions: These are all the checks you wrote for the

month. You’ll see the date, the check number, and the amount you wrote
the check for. If you see dots or stars between the check numbers, that
means either you are missing a check, or that the check is outstanding.
You’ll also find your ATM and other withdrawals here.
5

Daily Balances: You’ll see dates listed, and how much money was in your

account on that day.

Education Learning About Checking

Page 9

9

Review Your

Monthly Statement
(continued)
6

Ending Balance: Here is a summary of your account for the month. You’ll

see how much money you started with, how many withdrawals you made,
how much money you deposited, and how much money you have left in
your account.
7

Customer Service Number: This is the phone number you can call if

you have any questions about your account or your statement.
Remember, if there is something you don’t understand about your account, call the
number you see on your statement to get your questions answered by your financial
institution’s customer service.
1

7

2

3

4

5

6

NOTE

The style of statement for each financial institution may vary slightly.
Education Learning About Checking

Page 10

10

Check Processing
Substitute Checks
Legislation was passed by the federal government in 2004 that permits financial
institutions to create and submit substitute checks, or image replacement
documents from electronic images for processing.

1800539446

10/28/2010

10/28/2010
123456789012345
This is a legal copy of your
check.You can use it the
same way you would use
the original check

2

[053000183]

1

*123456789*

This is an example of a substitute check that may be included in your monthly statement.
1

Endorsements on back side of the check.

2

Image of check is on the new document.

Education Learning About Checking

Page 11

11

Balance
Your Account
In this section we’ll talk about how to keep records. The first thing we’ll cover is
how to reconcile your accounts. That just means you’ll see how much you
deposited into your account, how much you spent, and how much you have left.
To reconcile your account you do two things: First, look at your check register
and your statement together and compare them. Here’s how to start.
1—First open the envelope with your statement. If your financial institution sends
your canceled checks to you, they will also be in the envelope. Many financial
institutions keep the real checks and return a list or picture image of your
check or substitute check, on your statement.
2—If you get your checks back, put them in order according to the check number.
3—Look at the statement; find the first check number listed.
4—Look at your check register. Find that same check number and place a check
mark in the column labeled (or “Code*”). Do this for every check on
your statement.
5—Do Steps 3 and 4 above for every deposit. Check it off on your statement and
check it off on your register.
6—If you see checks in your check register that are not listed on the statement,
they have not cleared the financial institution yet. Don’t check them off. They
will be listed on a future statement.
7—If you have any other service fees or charges for checks, ATM withdrawals,
financial institution services, or automatic deductions (i.e. a car loan) listed on
your statement, write them in your check register. Don’t forget to subtract
those charges from your balance in your check register.
8—If your financial institution pays interest on your checking account, add the
interest amount to your check register.
9—Now your checkbook should be up-to-date.

Education Learning About Checking

Page 12

12

Balance
Your Account (continued)
AD-Automatic Deposit
NUMBER OR
CODE

AP-Automatic Payment

DATE

Education Learning About Checking

ATM-Teller Machine

DC-Debit Card

TRANSACTION DESCRIPTION

$

PAYMENT
AMOUNT

T-Tax Deductible
FEE

$

DEPOSIT
AMOUNT

Page 13

TT-Telephone Transfer
$

13

Balance
Your Account (continued)
Most of the time, your checkbook balance and the statement won’t match. That is
normal. This happens because of those outstanding checks we discussed earlier
and any deposits that you made after the statement was printed.
Your statement will include a reconciliation form (usually on the back). This is a
form to help you reconcile your account. Just like all the other forms we’ve talked
about, there are spots for you to fill in.
Usually, the reconciliation form guides you to:
1

List deposits, checks, and other withdrawals that you have written in your
check register, but are not listed on the statement in the proper columns.

2

Write down the total of the deposit list and the checks/withdrawals list.

1

2
3
4
5
6

Education Learning About Checking

Page 14

14

Balance
Your Account (continued)
3

Write down the ending balance printed on the front of your statement.

4

Enter the total deposits from line 2. Add lines 3 and 4, enter on subtotal
line.

5

Enter the total withdrawals from line 2 and subtract from subtotal.

6

Now the balance of your checkbook should match the ending balance on
your statement.

If you have trouble reconciling your account, call the customer service number listed on
your statement.

For practice go to page 24
Education Learning About Checking

Page 15

15

Do’s and Don’ts
There are a couple things you need to know about using checks. Here is the first
one, and it’s a big one:
THINGS NOT TO DO

Don’t write checks for more money than you have in your account.

You might have heard it called “bouncing a check,”or “writing a bad check.”
The financial institution calls it non-sufficient funds (NSF).

Here is what
can happen if you
write checks
without enough
money in your
account:

• You could be charged an overdraft fee by your financial institution.
• The place to which you wrote the “bad” check could charge you another fee.
• The place to which you wrote the “bad” check could decide not to take
your checks in the future.
• Your name could go on a risk check or “risk credit” list, and other places
won’t take your checks.
• Your checking account could be closed by your financial institution and
you won’t be allowed to write any checks at all. Your financial institution
may report this information to other financial institutions, and they may
refuse to open a checking account for you for up to seven years after your
account was closed.
• You could get letters and phone calls from the people you owe the money to.
BUT... It’s easy to keep these things from happening. Just keep track of how much
money you have in your checking account, and don’t write checks for more than
that amount.
Don’t sign blank checks. They can be stolen and used by someone else.
Don’t erase mistakes on a check. Either write VOID across the entire check

and next to its number in the check register and tear up the check, or fix the
check and write your initials next to the mistake.
Don’t use other people’s checks or let them use yours.
Don’t use a pencil, only use a pen. People can erase the numbers when you
write in pencil. Always use a blue or black ink pen.
THINGS TO DO

Keep all your checks in a safe place. Checks are money and can be stolen
and used by other people, just like cash. If your checks are ever lost or stolen, call
your financial institution immediately!
Keep track of the money you take out of the ATM and debit card
withdrawals made—they add up quickly.
Put the right date on your checks.
Sign your name like it’s printed on the check.
Write the check amount as far to the left as you can.

Education Learning About Checking

Page 16

16

Glossary
Automated Teller Machine (ATM): Also known as the money machine or

cash machine.
Bad Check: A check that is written when there is not enough money in the
account. Also known as a bounced check.
Balance: The amount of money you have in your account.
Cash: Money in the form of bills or coins.
Check: A document used for payment.
Check 21: Federal legislation passed in 2004 that permits financial institutions to
create and submit substitute checks from electronic images for processing.
Check Register: A form to keep track of your checking account transactions.
Checking Account: A payment method to manage your money efficiently.
Cleared Check: A check that has gone through the financial institution’s
processing center and is listed on your monthly statement.
Debit Card: A card that can be used at an ATM or merchant. Unlike a credit
card, the funds are deducted from your checking account.
Deposit: The money you put into your account. Or (verb) to put money into
your account.
Deposit Ticket: The form you use to put money into your account.
Electronic Check: When you write a check to a merchant and the merchant
hands the check back to you. The check is converted to an automatic deduction
to your checking account.
Endorse: To sign your name on the back of a check in order to cash it or deposit it.
Financial Institution: A business that deals with money. For example, a bank or
credit union.
Less Cash Received: The amount of cash you get back when you make a deposit.
Memo: The area on a check that notes what the check was written to pay for.
Non-sufficient Funds: See Bad Check.
Non-sufficient Funds Fee: The fee that is charged by a financial institution or
business when a check does not clear.
Outstanding Check: A check that is still going through financial institution
processing.
Overdraft: When your account goes below zero—there is not enough money to
cover the withdrawal.
Reconcile: A process to make sure your checkbook balance matches your
financial institution’s balance for your account.
Reconciliation: When you have verified that your checkbook balance is the same
as your financial institution’s balance for your account.
Reconciliation Form: A form that helps you reconcile your account. See Reconcile.
Recording a Transaction: The act of writing down a transaction in your check
register. See Transaction.
Statement: The documentation you get every month from your financial
institution that list all of the activities in your account for the month.
Transaction: When money goes into, or out of, your account. Can include
deposits, withdrawals, payments, fees, ATM transactions or transfers.
Void: This means that a check is not good or not usable. You would write “VOID”
across a check that has a mistake written on it, tear it up, and throw it away.
Withdrawal: When you take money out of your account. This can be by check,
ATM, automatic payment or other methods.
Education Learning About Checking

Page 17

17

Practice Exercises

Writing Checks

1

Today, you pay a $132.53 bill for auto repairs to Auto Re-New by check.
How would you fill out the check?

JAMES C. MORRISON

DATE

© DELUXE WALLET OR DUPLICATE



1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345

00-6789/0000
12345678

$

PAY TO THE
ORDER OF

DOLLARS

Security features
included.
Details on back.

SAMPLE - VOID
MEMO

SAFETY PAPER

2

Today, you buy $10.57 worth of groceries at the Super-Buy store.
Fill out the check to make the payment.

JAMES C. MORRISON

DATE

© DELUXE WALLET OR DUPLICATE



1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345

00-6789/0000
12345678

PAY TO THE
ORDER OF

$
DOLLARS

Security features
included.
Details on back.

SAMPLE - VOID
MEMO

SAFETY PAPER

Education Learning About Checking

Page 18

18

Practice Exercises

Managing Your
Money

3

You have $100 in your account. Today you write a check to the All-American
Health Club for $36.75 for your monthly dues. You also stop at an ATM and
withdraw $20.00. Fill out the starting balance, write the check, then enter the
check and the ATM transaction in the register. What is your final balance?

00-6789/0000
12345678

JAMES C. MORRISON
1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345
© DELUXE WALLET OR DUPLICATE



DATE

$

PAY TO THE
ORDER OF

DOLLARS

Security features
included.
Details on back.

SAMPLE - VOID
MEMO

SAFETY PAPER

AD-Automatic Deposit
NUMBER OR
CODE

AP-Automatic Payment

DATE
A

Education Learning About Checking

ATM-Teller
T
Machine

TRANSACTION DESCRIPTION

DC-Debit Card
PAYMENT
A
AMOUNT

T-Tax
T Deductible
FEE

TT-Telephone
T
T
Transfer

DEPOSIT
AMOUNT

Page 19

19

Practice Exercises

Depositing Money

JAMES C. MORRISON

CASH

00-6789
0000

1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345



DATE_____________________________________________________________
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL



HD-101

DEPOSIT TICKET



(OR TOTAL FROM OTHER SIDE)

____________________________________________________________________

S U B TOTA L



© DELUXE

Today, you are depositing a check from Mark Bennett for $45.00. You do not
want cash back. How would you complete this sample deposit ticket properly?



SIGN HERE FOR CASH RECEIVED (IF REQUIRED)

$



Education Learning About Checking

LESS CASH

* RECEIVED



CHECKS AND OTHER ITEMS ARE RECEIVED FOR DEPOSIT SUBJECT TO THE PROVISIONS
OF THE UNIFORM COMMERCIAL CODE OR ANY APPLICABLE COLLECTION AGREEMENT.

4

Page 20

20

Practice Exercises

Depositing Money

(continued)

JAMES C. MORRISON
1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345

DATE_____________________________________________________________
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL



(OR TOTAL FROM OTHER SIDE)

____________________________________________________________________

S U B TOTA L



SIGN HERE FOR CASH RECEIVED (IF REQUIRED)

LESS CASH



* RECEIVED

5

2

1

x

x

























MUST BE ENTERED
ON FRONT SIDE

10

x



TOTAL

20

x

DOLLARS
LIST SINGLY

CHECKS

50

x

Education Learning About Checking

TOTAL

100

x

$



CENTS



$

x

HD-101

CASH

00-6789
0000



© DELUXE

DEPOSIT TICKET



C U R R E N C Y C O U N T - F OR F I N A N C I A L IN S T I T U T IO N U S E ONL Y

Today, you deposit $1.65 in cash and four checks: Billings Realty—$132.12;
John Keller—$14.00; Mary Blake —$25.00; and an IRS refund check—$300.00.
You would like $50.00 cash back. How would you complete this sample deposit
ticket properly?



CHECKS AND OTHER ITEMS ARE RECEIVED FOR DEPOSIT SUBJECT TO THE PROVISIONS
OF THE UNIFORM COMMERCIAL CODE OR ANY APPLICABLE COLLECTION AGREEMENT.

5

Page 21

21

Practice Exercises

Depositing Money

(continued)

CASH

00-6789
0000

JAMES C. MORRISON
1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345



DATE_____________________________________________________________
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL



HD-101

DEPOSIT TICKET



(OR TOTAL FROM OTHER SIDE)

____________________________________________________________________
SIGN HERE FOR CASH RECEIVED (IF REQUIRED)

LESS CASH



* RECEIVED

AP-Automatic Payment

DATE
A

Education Learning About Checking

ATM-Teller
T
Machine

TRANSACTION DESCRIPTION

DC-Debit Card
PAYMENT
A
AMOUNT



$

AD-Automatic Deposit
NUMBER OR
CODE

S U B TOTA L



© DELUXE

You have a balance of $85.23 in your account. Today is April 16 and you deposit
two checks: Norelco, Inc.—$2.50 and a state tax refund— $35.00. You do not
want any cash back. Later in the day, you deposit $50.00 more at an ATM.
Complete the sample deposit ticket to reflect the first deposit. Also record both
deposits in the sample register.



CHECKS AND OTHER ITEMS ARE RECEIVED FOR DEPOSIT SUBJECT TO THE PROVISIONS
OF THE UNIFORM COMMERCIAL CODE OR ANY APPLICABLE COLLECTION AGREEMENT.

6

T-Tax
T Deductible
FEE

TT-Telephone
T
T
Transfer

DEPOSIT
AMOUNT

Page 22

22

Practice Exercises

Endorsing A Check

7

You have a check you want to
deposit by mail. How do you
endorse the sample properly?

ENDORSE HERE

DO NOT WRITE, STAMP OR SIGN BELOW THIS LINE
RESERVED FOR FINANCIAL INSTITUTION USE*

8

You want to give Pat Lind this
check to pay for the groceries she
bought you. How do you endorse
the sample properly?

ENDORSE HERE

DO NOT WRITE, STAMP OR SIGN BELOW THIS LINE
RESERVED FOR FINANCIAL INSTITUTION USE*

Education Learning About Checking

Page 23

23

Practice Exercises

Balancing Your
Account

9
AD-Automatic Deposit
NUMBER OR
CODE

From the check register and monthly financial institution statement below,
reconcile your account using the form on page 25.
AP-Automatic Payment

DATE

Education Learning About Checking

ATM-Teller Machine

DC-Debit Card

TRANSACTION DESCRIPTION

$

PAYMENT
AMOUNT

T-Tax Deductible
FEE

$

DEPOSIT
AMOUNT

Page 24

TT-Telephone Transfer
$

24

Practice Exercises

Balancing Your
Account
(continued)

This form is usually found on the back side of your statement.

Education Learning About Checking

Page 25

25

Answers
to Practice Exercises
1
00-6789/0000
12345678

JAMES C. MORRISON

DATE

© DELUXE WALLET OR DUPLICATE



1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345

$

PAY TO THE
ORDER OF

DOLLARS

Security features
included.
Details on back.

SAMPLE - VOID
MEMO

000067894

12345678

0561
SAFETY PAPER

2
00-6789/0000
12345678

JAMES C. MORRISON

DATE

© DELUXE WALLET OR DUPLICATE



1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345

$

PAY TO THE
ORDER OF

DOLLARS

Security features
included.
Details on back.

SAMPLE - VOID
MEMO

000067894

12345678

0562
SAFETY PAPER

Education Learning About Checking

Page 26

26

Answers
to Practice Exercises (continued)
3
00-6789/0000
12345678

JAMES C. MORRISON
1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345
© DELUXE WALLET OR DUPLICATE



DATE

$

PAY TO THE
ORDER OF

DOLLARS

Security features
included.
Details on back.

SAMPLE - VOID
MEMO

000067894

12345678

0563
SAFETY PAPER

AD-Automatic Deposit
DATE
A

ATM-Teller
T
Machine

TRANSACTION DESCRIPTION

DEPOSIT TICKET

JAMES C. MORRISON

DC-Debit Card

T-Tax
T Deductible

PAYMENT
A
AMOUNT

FEE

TT-Telephone
T
T
Transfer

DEPOSIT
AMOUNT

CASH

00-6789
0000

1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345




DATE_____________________________________________________________
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL



(OR TOTAL FROM OTHER SIDE)

____________________________________________________________________

S U B TOTA L



© DELUXE

AP-Automatic Payment



HD-101

4

SIGN HERE FOR CASH RECEIVED (IF REQUIRED)

LESS CASH

* RECEIVED



$
000067894

Education Learning About Checking



CHECKS AND OTHER ITEMS ARE RECEIVED FOR DEPOSIT SUBJECT TO THE PROVISIONS
OF THE UNIFORM COMMERCIAL CODE OR ANY APPLICABLE COLLECTION AGREEMENT.

NUMBER OR
CODE

12345678

Page 27

27

Answers
JAMES C. MORRISON
1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345



DATE_____________________________________________________________


DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL
(OR TOTAL FROM OTHER SIDE)

____________________________________________________________________

S U B TOTA L



SIGN HERE FOR CASH RECEIVED (IF REQUIRED)

LESS CASH



* RECEIVED



$
12345678

5

2

1

x

x

x

























MUST BE ENTERED
ON FRONT SIDE

10
x



TOTAL

20
x

DOLLARS
LIST SINGLY

CHECKS

50
x

Education Learning About Checking

TOTAL

100
x

$



CENTS

000067894

C U R R E N C Y C O U N T - F OR F I NA NC IAL I NS T I T UT I O N US E O NL Y

CASH

00-6789
0000



© DELUXE

DEPOSIT TICKET



HD-101

5

CHECKS AND OTHER ITEMS ARE RECEIVED FOR DEPOSIT SUBJECT TO THE PROVISIONS
OF THE UNIFORM COMMERCIAL CODE OR ANY APPLICABLE COLLECTION AGREEMENT.

to Practice Exercises (continued)

Page 28

28

Answers
to Practice Exercises (continued)

JAMES C. MORRISON
1765 SHERIDAN DRIVE
YOUR CITY, STATE 12345



DATE_____________________________________________________________
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL



HD-101

CASH

00-6789
0000



(OR TOTAL FROM OTHER SIDE)

____________________________________________________________________

S U B TOTA L



© DELUXE

DEPOSIT TICKET



SIGN HERE FOR CASH RECEIVED (IF REQUIRED)

LESS CASH

* RECEIVED



$
000067894

AD-Automatic Deposit
NUMBER OR
CODE

12345678

AP-Automatic Payment

DATE
A

Education Learning About Checking



CHECKS AND OTHER ITEMS ARE RECEIVED FOR DEPOSIT SUBJECT TO THE PROVISIONS
OF THE UNIFORM COMMERCIAL CODE OR ANY APPLICABLE COLLECTION AGREEMENT.

6

ATM-Teller
T
Machine

TRANSACTION DESCRIPTION

DC-Debit Card
PAYMENT
A
AMOUNT

T-Tax
T Deductible
FEE

TT-Telephone
T
T
Transfer

DEPOSIT
AMOUNT

Page 29

29

Answers
to Practice Exercises (continued)
7

8

ENDORSE HERE

DO NOT WRITE, STAMP OR SIGN BELOW THIS LINE
RESERVED FOR FINANCIAL INSTITUTION USE*

ENDORSE HERE

DO NOT WRITE, STAMP OR SIGN BELOW THIS LINE
RESERVED FOR FINANCIAL INSTITUTION USE*

9

Education Learning About Checking

Page 30

30


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