Check It Out Usar cheques es muy fácil. Kenneth Jones 201 First Street Your Town, GA 30600 PAY TO THE ORDER OF $ 00-5678 760 200.00 DOLLARS FINANCIAL.

Presentación del tema: "Check It Out Usar cheques es muy fácil. Kenneth Jones 201 First Street Your Town, GA 30600 PAY TO THE ORDER OF $ 00-5678 760 200.00 DOLLARS FINANCIAL."— Transcripción de la presentación:

1 Check It Out Usar cheques es muy fácil

2 Kenneth Jones 201 First Street Your Town, GA 30600 PAY TO THE ORDER OF $ 00-5678 760 200.00 DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, 30600 SAMPLE - VOID 19 Marie Smith Two hundred and no/100 Kenneth Jones 10/31 9898 For : 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 Marie Smith 764

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

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

5 Sample Deposit Ejemplo de un depósito

6 Your Name Your Address Your Phone Number DEPOSIT TICKET DATE October 30 19 98 DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL SIGN HERE IF CASH RECEIVED FORM DEPOSIT YOUR FINANCIAL INSTITUTION YOUR CITY, GA 30600 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. 200 0 0 0 0 CURRENC Y COIN CHECKSCHECKS OR TOTAL FROM REVERSE SUBTOTAL LESS CASH RECEIVED NET DEPOSIT 00-5678 760

7 “Holds” on Checks w To clear deposits: 2 Business Days -- all checks from insti- tutions within same Federal Reserve System 5 Business Days -- out-of-town checks w 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 w 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 PAY TO THE ORDER OF $ 00-5678 760 10.00 DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, 30600 SAMPLE - VOID 19 Star Market Ten and no/100 10/31 98 For food Gene Smith : 760005678:: 0101 34 5 ‘’ ‘ 678 9 0.; Gene Smith 201 Night Street Your Town, GA 30600 PAY TO THE ORDER OF $ 00-5678 760 20.00 DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, 30600 SAMPLE - VOID 19 Phone Company Twenty and no/100 Gene Smith 10/31 98 For : 760005678:: 0102 34 5 ‘’ ‘ 678 9 0.; Telephone - Sept. 102 101

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

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12 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

13 Sample Checkbook Register Ejemplo de registro de cheques

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

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

16 Checkbook Register # DATEDESCRIPTION OF TRANSACTIONPAYMENT - DEBT T FEE IF ANY DEPOSIT OR CREDIT (+) BALANCE 0 10/20 Open acct. 50 D 10/21 Deposit 200250 101 10/31 Star Market 10240 102 10/31 Phone Co. 20 220 103 10/31 Dr. Lopez 20 200 104 10/31 Bank Loan 100 11/10 A TM 20 80 1 2 3 4 5 6 7 8 Registro de cheques

17 The Bank Statement El estado de cuenta

18 Sample Checking Account Balance Sheet Modelo de una hoja de balance

19 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.

20 Outstanding checks -- w Checks written, but not taken out of account w 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

21 Outstanding deposits w Deposits not added to account Depósitos pendientes  Depósitos que no se han añadido a la cuenta

22 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

23 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

24 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)

25 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