6 Advantages of Using Checks

Lots of people are still using checks and for good reasons.

Checks actually have their own unique advantages and features that you may be missing out on if you only use cash or cards. Here are the 6 main advantages of using checks:

1. Checks are safer to mail
2. Checks can’t be used by thieves
3. Checks are traceable
4. Checks aren’t deposited immediately
5. You don’t need a bank account to cash checks
6. Checks make budgeting easier

Lots of people are still writing checks. Writing checks may seem old-fashioned, but there are many advantages to writing checks instead of using cash or credit cards. Using cards and cash might be quicker and easier, but checks have features and security that cash and cards just don’t have. Below are some of the main reasons you want to start making good use of checks.

#1: Checks are safer to mail

Sending a check in the mail keeps your money a lot safer than sending cash through the mail. When you have a check inside an envelope it can be very difficult for others to tell there is even a check inside. But if you put cash in an envelope it can be much easier for others to tell there is money inside since bills have their own distinct shape, material, and color.

#2: Checks can’t be used by thieves

Checks are also less attractive to thieves than cash. Checks cannot be cashed by just anyone, and that is too much of a hassle for a thief. Thieves want quick cash and forms of money that are untraceable, and checks are neither of those things. Also, when you carry checks you don’t have to carry cash or cards on you, making you less of a target while you are out.

#3: Checks are traceable

This is another reason why checks are safer than other forms of payment—they’re traceable. When you use a check the bank makes a copy so you can easily prove the payments you’ve made. All the information you would ever need about a payment is also written on your check and the underlying copy. With each check you can know how much you spent, who you paid, when you paid, and even what you were paying for.

#4: Checks aren’t deposited immediately

Another attractive thing about checks is the timing. It usually takes businesses a day or two to actually cash the check that you’ve written for them. This means that you have a day or two to make sure you have the money in your account to cover the check. This can be risky to do, but as long as you handle your checks wisely, then you should be able to use this feature to your advantage.

#5: You don’t need a bank account to cash checks

When you get paid through direct deposit you need to have a bank account set up. But if you get paid with checks then you don’t need to use direct deposit or a bank account. If you get paid with checks then you can just cash them, you don’t have to deposit them into a bank account or deal with electronic funds.

Check City offers convenient check cashing services for all of your check cashing needs. If you’ve been paid with a check you can come to any convenient Check City location and get that check cashed immediately. Check City will cash payroll checks, cashier checks, counter checks, government checks, insurance checks, money orders, tax refunds, personal checks, and even out-of-state checks. If you have a check, it is likely that Check City will be able to cash it for you.

#6: Checks make budgeting easier

Every time you write a check you are simultaneously writing your own personal receipt to go along with that purchase. These slips of paper can make budgeting super easy as you can keep those in your checkbook, and at the end of each week or month you can see an overview of all your spending in one convenient place.

Check Cashing with Check City

You may be wondering why you should come cash your check with Check City instead of going to your bank. Well, there are several reasons.

#1: Open Late

One reason is that our locations are open later than almost every bank or credit union. We have extended hours so you can come cash your check after work, or almost whenever you’d like. This makes it so you can get your cash sooner rather than later.

#2: Fast and Easy

Check City also understands how important your money is to you so we want to make sure the process of cashing your check is fast and easy. Our personable staff will make sure your transaction goes through as quickly as possible. As soon as you come in, we’ll be ready to help you and get you on your way.

#3: Low Rates

Check City also offers extremely low rates when it comes to cashing checks. We will not charge you much to cash your check with us, and the convenience of coming to one of our locations greatly outweighs the amount we’ll charge you to cash your check.

You Need:

All you’ll need to come cash your check at one of our locations is your check and your photo ID.

You Do:

All you’ll do is walk into one of our many locations, fill out a quick customer information form, and walk out with your cash in hand. Check City has locations in Utah, Nevada, Colorado, Virginia, and Maryland. At Check City, we want to make sure you get your money when you want it and how you want it. That’s why we offer convenient check cashing services that you are welcome to use anytime.

Cash Business Checks with Check City Too!

Check City also cashes business checks. This means that if people have paid your business in checks you can cash them easily here. In today’s credit driven economy, cash flow management is a challenging task for many small to medium-sized businesses. Check City has provided financial services to the public and its businesses since 1986 and we value the trusting relationship we’ve fostered with our communities ever since. Check City’s Business Check Cashing provides business owners immediate access to working capital by fast tracking the processing of checks to make your business funds available instantly. Cashing business checks at Check City is a great idea because there are 1) NO enrollment fees, 2) NO 3 to 10 day check processing holds, 3) the funds are available instantly, 4) gives your business the freedom to accept checks from your customers, and 5) we have convenient and professional locations.
 
Don’t waste your time thinking checks are a useless tool of the past. Checks are a useful financial product for personal and business use with their own unique features. Checks also provide a level of security in your transactions that cash does not. So don’t forget about this important tool in your financial arsenal and learn to use checks to their full advantage.