What Are Duplicate Checks?

twin checks are a type of checkbook that makes it easier to keep racetrack of the checks you write. Behind each check is a thin plane of paper that records the checks you write .

here ‘s how double checks work, why some people choose to use them, and alternative options to consider .

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What Are Duplicate Checks ?

When you order double checks, you get a checkbook that keeps a copy of every confirmation you write. These copies are recorded onto sparse pieces of paper that are behind every control. Those pieces of paper are the “ duplicates. ”

Having a duplicate makes it easy to see who you paid, how much you spent, and when the match was written. The entire confirmation is copied, so can besides see anything you ‘ve written elsewhere, such as if you added your telephone number to the circus tent of the check mark. however, your key signature is broadly blocked to prevent person who steals your checkbook from duplicating your touch .

You could access your on-line account or order clear checks from your bank to get this information, but if you like having the ability to see your former payments well, you might like having duplicate checks.

How Do Duplicate Checks Work ?

Duplicate checks come in the like type of binding as single checks. This allows them to fit wherever you had been storing your regular checks. With duplicates, each check is followed by a thin sheet of paper that serves as a carbon replicate. The copy has the lapp check number printed on it for reference book. As you write a discipline, the pressure from your pen transfers everything you write to the double .

After you write the check, you merely tear out the check, leaving the twin sheet attached to your checkbook. This way, you always have a copy on-hand for easy citation. You ‘re left with a criminal record of everything you wrote on the bridle, including the payee, measure, date, and any memo you may have included .

Where to Buy Duplicate Checks

Your bank should have a check catalog at the branch or on its web site. Use this catalogue to opinion and leverage checks for your report. reputable on-line check printers tend to offer lower costs for extra and single checks, so it pays to shop around .

Pros and Cons of Duplicate Checks

Pros

  • Easy to use
  • Allows you to control recordkeeping
  • Offline access to records

Cons

Pros Explained

  • Easy to use: The carbon copy is created automatically by the pressure you put on the pen to write the check. It’s easy to see check amounts and recipients.
  • Allows you to control recordkeeping: You’re the only person who controls these duplicates. You can include as much detail on them as you want, and store them for as long as you want.
  • Offline access to records: Much of the information provided by duplicates is available online, but duplicates allow you to access the same information offline.

Cons Explained

  • Security and privacy risk: Duplicates have a lot of personal information about you, so if a bad actor obtains them, it could be troublesome for you. Duplicates contain your bank information, as well as information like how much you spend in a given week and where you spend it.
  • More expensive: Duplicates may be more expensive than single checks, depending on your bank or check provider.
  • Checks becoming increasingly uncommon: A major downside to all of this is that checks are becoming increasingly uncommon. If you hardly use checks, it might not be worth investing in duplicates. You might be better off simply building a habit of checking your account online more often.

Alternatives to Duplicate Checks

If you like the idea of keeping records, but you do n’t want to keep the paper, there are other options. Most banks have an on-line bill payment system that creates an electronic read of every payment you make. The record should include all of the information you ‘d typically find on duplicate checks .

Using on-line deposit to make bill payments allows you to keep everything you need to know about each expense in a format that ‘s easy to search and sort. Keep in take care that you might not be able to get an outright history of your checks online. You may want to download your transactions sporadically from your depository financial institution to have a wax record of your purchases .

You can besides snap a movie or scan a copy of every crack you write. With knock-down cameras on most mobile phones, getting a well image should be childlike. Make certain to store those images somewhere safe to avoid security and privacy risks .

check registers are another option, whether you do your register on paper or electronically. alternatively of a life-size copy of each check, you copy down the important details of each leverage. You ‘ll be less likely to bounce a check if you balance your account with a check file .

Key Takeaways

  • Duplicate checks are a type of check that includes a small piece of paper behind each check that serves as a carbon copy.
  • Duplicates are automatically created for every check written, making it easier for someone to control their recordkeeping.
  • Much of the information included in duplicates can be accessed online, but some people may prefer to have a hard copy.