Check (Cheque)


Overview

Using a check (or cheques) as a source of payment is one of the oldest ways of making a transaction. This requires a bank to issue the order of your payment at your request and pay money directly to an identified merchant. Generally speaking, a check is a method that promises a merchant a specific amount that is given from the bank and taken directly from the customer’s account

How to Fund

In order to use a check, you must have or open an account with a local banking branch.Once you have done this, request a checking account and you will receive a pack of checks typically to your home mailbox within several business days so that you may begin using.

When you use a check to make a payment, it is on a sheet of paper and you fill out the check with the transaction amount, date, and signature- and address it to the merchant.

Pros/Cons

A drawback of using Checks as a source of payment is that is becoming obsolete and in many countries nonexistent when making online purchases. Many customers opt to use other methods of payment that are more secure and do not reveal bank details.

It is very easy for fraud to occur with checks since many criminals have stolen money through this method. Writing a check may be altered and a criminal could have access to retrieving additional funds from your bank account since your bank details are finely printed on the check.

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