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I handle probably 95% of my monthly purchases and transactions with a cash-back credit card, paying the balance in full every month. Everything else is handled either with online- or automatically-scheduled debits.
I can't drop checks from my financial arsenal entirely, though, because I use checks at Sam's Club, and because two of my monthly utility bills are payable only by cash or check. (Well, one of them actually is payable via online bank-account debit, but I'd have to pay a $2 "Convenience Fee" per transaction in order to do this. And I'm not about to pay two bucks for that. Talk about a huge rip-off.)
So while I don't have to order checks very often, I do have to order them on occasion. And, unlike pretty much everyone I know, I order my checks online — not through my credit union or bank.
Why Order Checks Online?
Because it's easy. And because it's probably cheaper than what I'd pay to order thru my bank. And because I can get those kick-butt, side-tear checks:
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I will state here unequivocally that side-tear checks Freaking Rule. They are unbelievably superior to the traditional style of checks — those that are perforated along the top, and Specially Handcrafted to Frustrate the Living Crap Out of You when you try to dislodge them from their backing.
And yes, I am one of the 12 remaining humans who are so completely boring that they still use Safety Blue checks. With no special monogram. Or typestyle. Or Personalized Quote above the signature.
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Until yesterday, the only check-printer I've ever used has been Designer Checks. Along with the side-tear feature, I like my checks to have carbon duplicates. Through Designer Checks, two boxes of such checks seems to run me about $30 plus shipping.
I've now also stumbled upon Checks In The Mail. I'll give them a shot this time, not because Designer Checks has ever given me a good reason to do so, but just to see how they do. Go ahead: Call me a risk-taker.
If any of you readers have other sources for your checks, or comments regarding check-ordering in general, I'd like to hear them!
Labels: Banking, Debit Cards