Check It Out Usar cheques es muy fácil

Kenneth Jones 201 First Street Your Town, GA PAY TO THE ORDER OF $ DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, SAMPLE - VOID 19 Marie Smith Two hundred and no/100 Kenneth Jones 10/ For : :: ‘’ ‘ ; ENDORSE HERE For Deposit Only DO NOT SIGN, WRITE, OR STAMP BELOW THIS LINE. FOR FINANCIAL INSTITUTION USE ONLY Marie Smith 764

Kenneth Jones 201 First Street Your Town, GA PAY TO THE ORDER OF $ DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, SAMPLE - VOID : :: ‘’ ‘ ; 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

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 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

Sample Deposit Ejemplo de un depósito

Your Name Your Address Your Phone Number DEPOSIT TICKET DATE October DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL SIGN HERE IF CASH RECEIVED FORM DEPOSIT YOUR FINANCIAL INSTITUTION YOUR CITY, GA DO NOT USE FOR AUTOMATIC PAYMENT OR CHECK TRANSACTIONS : : : TO BE USED FOR DEPOSIT TRANSACTIONS ONLY, SUBMIT A CHECK FOR AUTOMATIC PAYMENT SET UP CURRENC Y COIN CHECKSCHECKS OR TOTAL FROM REVERSE SUBTOTAL LESS CASH RECEIVED NET DEPOSIT

“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

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

Gene Smith 201 Night Street Your Town, GA PAY TO THE ORDER OF $ DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, SAMPLE - VOID 19 Star Market Ten and no/100 10/31 98 For food Gene Smith : :: ‘’ ‘ ; Gene Smith 201 Night Street Your Town, GA PAY TO THE ORDER OF $ DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, SAMPLE - VOID 19 Phone Company Twenty and no/100 Gene Smith 10/31 98 For : :: ‘’ ‘ ; Telephone - Sept

Gene Smith 201 Night Street Your Town, GA PAY TO THE ORDER OF $ DOLLARS FINANCIAL INSTITUTION YOUR CITY, GA, SAMPLE - VOID 19 Dr. Lopez Twenty and no/100 Gene Smith 10/31 98 For : :: ‘’ ‘ ; Doctors visit Gene Smith 201 Night Street Your Town, GA PAY TO THE ORDER OF $ DOLLARS SAMPLE - VOID 19 Your Bank One hundred and no/100 Gene Smith 10/31 98 For : :: ‘’ ‘ ; FINANCIAL INSTITUTION YOUR CITY, GA, car loan

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

Sample Checkbook Register Ejemplo de registro de cheques

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

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

Checkbook Register # DATEDESCRIPTION OF TRANSACTIONPAYMENT - DEBT T FEE IF ANY DEPOSIT OR CREDIT (+) BALANCE 0 10/20 Open acct. 50 D 10/21 Deposit /31 Star Market /31 Phone Co /31 Dr. Lopez /31 Bank Loan /10 A TM Registro de cheques

The Bank Statement El estado de cuenta

Sample Checking Account Balance Sheet Modelo de una hoja de balance

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.

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

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

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

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

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)

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