How to Stop Bouncing Checks

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By Limowreck
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Stop Bouncing Checks

Bounced check fees can spell financial disaster. Between ATM debit cards and personal checks, it's easy to make mistakes that cost hundreds of dollars in bank fees. Stop bouncing checks today and stop paying fees!

Difficulty: Easy

Instructions

Things You'll Need:

Step 1

RECORD ATM AND CHECKING TRANSACTION

Everyone knows the importance of recording the checks you write. However, most of us don't record our debit transactions. Because debit payments are usually withdrawn from your checking account, it is essential to add those transactions to your check register or notebook.
Step 2

GET ON THE SAME PAGE

If you share your checking account with another person, it is essential that both of you record EVERY transaction.
Step 3

DUPLICATE CHECKS

It's worth the extra money for checks with duplicates. These duplicates can save you TONS of money if, for any reason, you forget to record a transaction. Duplicate checks are only a few dollars more than ordering regular checks.
Step 4

MAKE CHECK OUT BY HAND

Handing a blank check over for the cashier to print out on the register may save you a moment at the store, but can destroy the organization of your checking account. ALWAYS write checks out by hand so that information is automatically kept on your duplicates.
Step 5

PAY CASH

You may have free checking, but it's not so free if you're paying for bounced checks. Whenever humanly possible, opt to pay with cash. It will make your checking account easier to balance.
Step 6

LEAVE THE CHECKBOOK

Don't take your checkbook everywhere you go. The temptation to write checks you may not be able to cover can be irresistible. Working with cash limits your ability to over-extend your finances.
Step 7

OVERDRAFT PROTECTION

Many banks and credit unions offer over-draft protection without charging a fee. If you are unable to balance your checkbook accurately, it may be a good idea to associate a savings account with your checking account for overdraft protection.