Check It Out

1
Check It Out
Usar cheques es muy fácil
2

Kenneth Jones 201 First Street Your Town, GA 30600
764
00-5678 760 200.00
10/31
98
19
Marie Smith
PAY TO THE ORDER OF

Two hundred and no/100
DOLLARS
FINANCIAL INSTITUTION YOUR CITY, GA, 30600
Kenneth Jones
For
SAMPLE - VOID
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
3

Kenneth Jones 201 First Street Your Town, GA 30600
412
10/31
98
00-5678 760 200.00
19
Marie Smith

PAY TO THE ORDER OF
Two hundred and no/100
DOLLARS
FINANCIAL INSTITUTION YOUR CITY, GA, 30600
Kenneth Jones
loan
For
SAMPLE - VOID
760005678 412 34 5 678 9 0.
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
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.
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Sample Deposit
Ejemplo de un depósito
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00-5678 760
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Holds on Checks

• To clear deposits
• 2 Business Days -- all checks from insti-tutions
  within same Federal Reserve System
• 5 Business Days -- out-of-town checks
• 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
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More on Check Holds

• Available the next day -- cash deposits,
  government checks, cashiers 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
101
00-5678 760 10.00
10/31
98
19
Star Market
PAY TO THE ORDER OF

Ten and no/100
DOLLARS
FINANCIAL INSTITUTION YOUR CITY, GA, 30600
Gene Smith
food
For
SAMPLE - VOID
760005678 0101 34 5 678 9 0.

Gene Smith 201 Night Street Your Town, GA 30600
102
00-5678 760 20.00
10/31
98
19
Phone Company
PAY TO THE ORDER OF

Twenty and no/100
DOLLARS
FINANCIAL INSTITUTION YOUR CITY, GA, 30600
Gene Smith
For
Telephone - Sept.
760005678 0102 34 5 678 9 0.
SAMPLE - VOID
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Gene Smith 201 Night Street Your Town, GA 30600
103 00-5678 760
10/31
98
19
20.00
Dr. Lopez
PAY TO THE ORDER OF

Twenty and no/100
DOLLARS
FINANCIAL INSTITUTION YOUR CITY, GA, 30600
Gene Smith
For
Doctors visit
SAMPLE - VOID
760005678 0103 34 5 678 9 0.

Gene Smith 201 Night Street Your Town, GA 30600
104 00-5678 760
10/31
98
19
100.00
Your Bank
PAY TO THE ORDER OF

One hundred and no/100
DOLLARS
FINANCIAL INSTITUTION YOUR CITY, GA, 30600
Gene Smith
For
car loan
SAMPLE - VOID
760005678 0104 34 5 678 9 0.
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(No Transcript)
12
Your Bank ATM Receipt
Date 11/10/98 Time 1635 ATM 312 2302
Westside Drive Banktown, IL 60202 Ref
8210 Card 4891 Your Bank Withdrawal 20.00 Fro
m Checking 123456789 Balance 80.00
Su recibo del cajero automático
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Sample Checkbook Register
Ejemplo de registro de cheques
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Record in Checkbook

• Record Each
• Check
• Deposit
• ATM Withdrawal
• Service Charges

• Anote cada
• Cheque
• Depósito
• Retiro de el cajero automática
• Cargos por servicios

Anote en la chequera
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Up-to-date checkbook register helps you to not .
. .

• Over spend
• Write bad checks
• Pay extra service charge
• Helps you keep a good credit record

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Checkbook Register
FEE
DEPOSIT
BALANCE

DATE
DESCRIPTION OF TRANSACTION
PAYMENT - DEBT
IF
OR
ü
ANY
CREDIT ()
0
T
10/20
Open acct.
50
50
D
10/21
Deposit
200
250
101
10/31
Star Market
10
240
20
Phone Co.
220
102
10/31
103
10/31
Dr. Lopez
200
20
100
104
10/31
Bank Loan
100
20
80
A TM
11/10
Registro de cheques
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The Bank Statement
El estado de cuenta
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Sample Checking Account Balance Sheet
Modelo de una hoja de balance
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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.
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• Outstanding checks --
• Checks written, but not taken out of account
• 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

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• Outstanding deposits
• Deposits not added to account

Depósitos pendientes

• Depósitos que no se han añadido a la cuenta

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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
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When They Dont Match

• Check addition and subtraction
• Verifique sumas y restas
• Check for items left out
• Fíjese si dejó algo fuera

Cuando no corresponden
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• If you cant 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)

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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