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6 Advantages of Using Checks

checks are better

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.

checks are better

#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.

(Travel Safety) The 11 Part Guide to Safe Travel

travel safety

Traveling can be our greatest joy and our greatest pain. But some of the hassles can actually be our own fault by making common travel mistakes.

There are a lot of things to prepare for when you’re going to go away for a while. You have lots of travel plans going on and you’re excited to see new places, have unique experiences, and get some much-deserved relaxation time.

But traveling can be dangerous too, which is why you want to educate yourself on how to travel safely and about your travel destination and route. As you learn about your vacation spot you can be sure to avoid as much trouble as possible.

Part One:

What to Do with Your Money

Be smart about the cash you carry. Don’t be flashy with your money. Don’t attract unwanted attention to yourself by flashing your cash around too much. It’s also a good idea not to carry too much cash on you at one time in case you do lose your wallet or get pickpocketed.

You should also learn about your card options in order to get the best travel credit card for emergency scenarios and traveling. Different cards will have different insurances for if your wallet gets stolen or easier freeze features so you can stop your card from getting used as soon as you realize it’s gone.

It’s always a good idea to get a wallet set-up specifically for traveling. You can get something light and portable that can easily hide in a hidden pocket on your coat, or you can get a special wallet that hides in your shoe or a belt.

Money isn’t the only valuable thing you need to take care of though. Keep your identification documents in a separate place so that they are not taken if you are pickpocketed.

Part Two:

Prepaid Phone Card

You want to have a way to make a phone call in case of an emergency.

This will come in handy if you get lost, don’t have service, lose your phone, get your phone stolen, or your phone dies or breaks.

One way to be prepared in case of a phone emergency is to carry around a prepaid phone card at all times. With a prepaid phone card, you can make emergency calls even if your cell phone is stolen.

You can easily get a prepaid phone card at a Check City Location before you head out on vacation.

Part Three:

Keep Someone Posted

Whether you’re traveling in a group or all by yourself, you should always keep someone back home posted on your status. Plan scheduled check-in times to keep in contact with someone so your whereabouts and wellbeing are kept track of in case anything should happen to you.

Make sure this designated person has keys to your house in case an emergency happens in your home while you’re away and someone needs to get in. Give them the address of your hotel so they can get ahold of you in case of emergencies as well.

Part Four:

Stranger Danger

Be careful about the friends you make while you’re traveling. Vacation can be a great time to meet new and interesting people and even make new friends. But you should still be responsible when interacting with people you don’t know.

Use common sense and make sure you remain in control of every situation you find yourself in. For instance, don’t get into the car of a stranger because that takes away all your control in that scenario. Instead, meet at a designated, public location where you can socialize in safety.

Part Five:

Beware of WiFi Scams

When you’re traveling in unfamiliar places there is also going to be unfamiliar wifi. Think twice before you accept those free, guest wifi connections. They can be a trap for scammers to get into your device and get access to your personal information.

Instead, you can bring your own portable router or you can use unlimited data on your plan instead of connecting to unsecured wifi.

Part Six:

Keep Track of Your Stuff

Losing your stuff while traveling can be a real tragedy. There are some precautions you can take to help keep track of all your valuables.

Use products from tile so you can essentially put a GPS on anything important.

You can also set up a GPS tracking system for your phone. There are GPS apps you can use to help you find your phone in case you lose it.

Travel insurance is another safety net you can set up before traveling. It will help cover the costs if you lose things or get things stolen while you’re traveling.

Part Seven:

Protect Your Home

When you’re traveling, you leave your home alone for a period of time. This can be a danger since it makes your home more vulnerable to burglars while you’re absent.

Make your home less vulnerable while you’re away by not posting too much about how you’re leaving on social media. Instead, you can wait until you get home to post all about your trip.

You could also have someone house-sit your home. You can hire someone you know to just live at your house while you’re gone, bring in the mail, and deter anyone looking for an easy mark.

But if you can’t get someone to stay at your house while you’re away, then you can set up your own home security system. This can alert your phone when someone breaks into your house. You can even install cameras in your home so you can check in on your place from your phone as well.

Part Eight:

Learn the Language

If you’re going to a foreign country you might not know the language. This can jeopardize your safety as well as cause a lot of extra hassle and stress for you. But you can learn the language!

Duolingo is a great place to go when you need to learn some language basics.

You can also buy a pocket dictionary to carry around with you. Many dictionaries will even have sections with key phrases you might need to use the most.

Part Nine:

Learn Some Geography

Do some research about where you’re going. If you learn some of the geography beforehand, then you might be less likely to get lost once you’re there.

There might also be places or parts of town you should avoid. You can look up the crime rates for the area you’re visiting to learn what places are safe and which ones are less safe.

Part Ten:

Be Prepared for Emergencies

A lot can happen when you’re out of your element.

There are a few things you can do to prepare for potential emergencies. You can memorize important phone numbers. You can also write down important phone numbers on a notecard to keep with you at all times.

Keep a hard-copy map on your person in case your phone dies.

Bring a portable charger pack with you so you can charge your phone on the go.

Have enough money on you at all times for a bus fare to get back to your hotel. Try hiding your bus fare on your person somewhere so it’s less likely to get taken if you get mugged, that way you’ll still be able to easily get home.

Part Eleven:

Know the Scams

Tourists can be especially vulnerable to scams. You don’t know the area, you aren’t familiar with the local businesses, and scammers can take advantage of that.

Different locations will also have their own common scams. Take a moment to look up the kinds of ploys and scams you should be aware of.


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