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The Round Table
Do You Still Reconcile Your Checking Account?
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<blockquote data-quote="mtvernon" data-source="post: 558992" data-attributes="member: 4965"><p>Maybe I’m shopping in the wrong places. I don’t have a recent memory of anyone doing that. Everywhere I shop in the United States (I’m in California) there’s either a handheld device or one bolted to the counter at the point of purchase where I do the swiping and entering of pin numbers. Much of my grocery shopping is self checkout.</p><p></p><p>As to using checks, my wife and I were the subject of check fraud a few years back. At that point we were writing one or two checks per year, so we know exactly which check it was and where it went. For further evidence, the bank intercepted it and showed us the two checks that were made fraudulently from our checking account number. When I asked the bank what we could do to prevent this from happening in the future, the reply was to never write another check. So we don’t.</p><p></p><p>With a debit card, they can change the number and issue a new card, but with a check they have your account number, so rectifying the situation and getting your money back is more complicated, not to mention having to get an entirely new checking account.</p></blockquote><p></p>
[QUOTE="mtvernon, post: 558992, member: 4965"] Maybe I’m shopping in the wrong places. I don’t have a recent memory of anyone doing that. Everywhere I shop in the United States (I’m in California) there’s either a handheld device or one bolted to the counter at the point of purchase where I do the swiping and entering of pin numbers. Much of my grocery shopping is self checkout. As to using checks, my wife and I were the subject of check fraud a few years back. At that point we were writing one or two checks per year, so we know exactly which check it was and where it went. For further evidence, the bank intercepted it and showed us the two checks that were made fraudulently from our checking account number. When I asked the bank what we could do to prevent this from happening in the future, the reply was to never write another check. So we don’t. With a debit card, they can change the number and issue a new card, but with a check they have your account number, so rectifying the situation and getting your money back is more complicated, not to mention having to get an entirely new checking account. [/QUOTE]
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Do You Still Reconcile Your Checking Account?
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