Posts Tagged ‘shopping’
What Makes Checks Better than Credit Cards?
Both checks and credit cards have already proven their worth as effective and efficient tools in handling payments. However, you may then find yourself asking as to which of the two is better than the other. In order to answer this question, we simply just have to determine all the advantages as well as the disadvantages of the two and weigh them in.
Since the day it was first used, credit cards still emerge to be a very favorable and preferred mode of payment. Credit cards exist to the very principle of banks and other financial institutions allowing the card holder borrow the needed amount quickly and efficiently by sending the fund electronically to the vendor. The card holder then pays back the money borrowed by using the credit card along with the interests drawn from the borrowed amount. With just a single swipe of the card, credit card holders enjoy the benefits of quick and easy payment transactions. Moreover, credit cards are thin and light which makes it to be easily kept in your wallet.
Checks on the other hand also come to be very flexible depending on the amount written on its surface by the one issuing it. It is a verifiable document as a proof of payment. Most frequently, checks have become the world’s favorite mode of payment. In the case of America, it has been estimated to have over 40 billion checks that are written every year. In bank checks written, the person is required to make entries to the check register.
Checks have been known as effective tools in handling finances well. Just recently, researchers have revealed that credit cards are most likely to encourage its holders to spend as much as 30% more than what they usually do. This is basically because credit cards are just easy to pull out of your wallet and probably juts buy about anything. But when with a check, we tend to be more cautious as we keep a close watch on our balance through the check register. This just means that we get to have more control factor when handling payments with a check than with a credit card.
Since internet technology has set foot on the virtual world, credit cards have been noted as a favorite payment tool by most of online shoppers. Online shoppers get to easily purchase almost anything on the internet through their credit cards. But then again, this only exposes important credit card details to much greater risk and security breach. But then again, online checks e-checks are now made available to handle online payments. Within the process, less information is needed giving more security to the one issuing the order checks.
With the abovementioned details, one can easily determine as to which mode of payment is better. Using a credit card or a check?
Flower Check Designs
Personalized checks these days are fast becoming popular with its flexibility, convenience, and the consumer’s freedom to have the check personalized in accordance to his or her interests. Furthermore, personalized checks are now much easier to be purchased by any person through the aid of the internet technology. Through the help of your computer and a clear and steady internet connection, you are clearly within full reach with these amazing checks that are not just effective tools of handling your finances well but are also clear and expressive symbols of your personality.
In the internet today, a lot of sites are offering various pre-designed personal checks that will surely match every person’s interest. One of these designs is the floral designs from which Lena Liu is most popularly known. This highly acclaimed artist displays her fine artistry and creativity through her long array of flower check designs from fresh garden art to fully bloomed flowers. Through these floral check designs, every encountered person just can’t refrain from enjoying the lovely scent of your flowers. Henceforth, every check written sends out a floral fresh air.
With lots of choices to choose from, you are very much assured of at least one design that will perfectly suit your needs for order checks. One excellent example is Lena Liu’s “Floral Borders with Verse” that is most likely to send out a warming message of peace and tranquility upon every check written.
The design is one of a kind with fresh and fully bloomed flowers bordering the four sides of your check and is most likely to make you daydream and freshen up all your senses. You can also have the liberty to choose a verse that you like the most from its four choices: “Believe al things are possible with God,” “May the Lord bless you and keep you,” “Love the Lord your God with all your heart,” and “Rejoice.
Other than the abovementioned design, there are still many other designs to choose from like “Ribbon of Hope,” “Flower Power,” “Heartfelt Expressions,” “Lena Liu’s Enchanted Wings,” “Garden Graces,” and “Live, Laugh, Love, Learn.” Purchasing these checks online will also give you another advantage such as saving 50% off bank prices.
Generally, a flower makes a significant representation of nature. With this symbol in your designer checks, you are sure to make a statement about yourself for the whole world. And when it comes to all other flower fans, all they have is nothing but a pure envy to your floral designed checks.
How to Use Online Bank Checks
Making use of bank checks or checking account requires writing a check, using the check register, making a deposit, and reconciling the account.
How to write an online check. Using check is an alternative of using cash for paying bills. But checks have to be ordered. It can be ordered through the net or by calling a nearby bank. If you choose the latter, some banks like Chevy Chase Bank may provide you with checks which have security features such as padlock icon, micro printing, security screen, and warning boxes at the front and back of checks. These features are designed to make order checks difficult to copy or alter, and they usually become manifest only when fraud is detected.
Using the check register. A responsible financial management needs good record keeping. Online banking allows you to use the net and check your transaction history and find out your current account. Once you are in the habit of tracking expenses, it should be a cinch to keep the checkbook balanced. This way, you can keep good records and you are sure to be on top of account balance. Online banking upholds transparency by registering any transaction such as deposits, ATM withdrawals, checks written, and check card purchases. It also fills out the check register before you even write the check and records any automatic payment.
Making a deposit. When you deposit, you will need deposit slip which is readily available inside a branch bank and can be purchased together with ordered checks. You need to indorse personal checks which are included in the deposit. You may deposit the prepared deposit at the nearby local bank branch or the bank’s ATM. Clients with jobs usually have their checks deposited directly by their employers.
Reconciling account. If you order checks in Chevy Chase bank, you will be given options on statement style and delivery method you want best. You can choose by clicking on e-Statements and Statement Select.
e-Statements- gives you the ability to view statement online. Statement Select- Chevy Chase Bank lets you choose to customize your account statement. You can either see all transactions chronologically, transactions by category or a big picture of all deposits and withdrawals.
Lastly Chevy Chase Bank has designer checks cards. It looks like a credit card but is different in some ways. Check card purchases are automatically deducted from the checking account therefore it is not an extension of credit that you pay back later like a credit card. Check cards are also similar to credit card in a sense that they are used wherever and a good alternative to paying cash.
