Electronic Checkbooks

Use an electronic checkbook to keep your finances in order.
Use an electronic checkbook to keep your finances in order. (Image: Jupiterimages/Comstock/Getty Images)

Put an end to overdrawn bank accounts with simple-to-use electronic checkbooks. An electronic checkbook is a checkbook that is digital, so you can upload the program or file to any of your electronic devices, such as your smartphone, PDA or computer. Managing your checkbook electronically lets you keep track of the available balance in your bank account and have the data readily available no matter where you are.


The interface of an electronic checkbook is designed to resemble the look of an actual checkbook. It contains the same information with regards to available balances, having a ledger that shows deposits and withdrawals and lines for putting in payee names and check amounts. After individual transactions are made, the checkbook updates and provides you with a current balance in a new interface. When it comes to selecting an electronic checkbook program, consider the different types of interfaces and select the one that feels most comfortable for you.


You may want to secure your electronic checkbook with a password, or you may wish to add other users and other accounts to the program. All of these options are possible with an electronic checkbook program. This feature may be especially beneficial to spouses who share accounts, so that person who was responsible for a financial transaction can access the electronic checkbook and input the information.

Payee List

Electronic checkbooks allow you to maintain a contact list of your payees. From your mortgage company to your housekeeper, you are able to store their names in your electronic checkbook. All you have to do is select the payee and put the amount of money next to their name on the ledger. Some electronic checkbook programs allow you to see an accumulative total of how much money you have spent on a particular payee.


Electronic checkbooks offer you organizational features that help you stay current with your finances and locate transactions from the past. For instance, you may wish to create separate ledger tabs for each month or year so that you only see one time period at a time. You are able to switch back and forth between tabs to compare various months or years.


Programs for electronic checkbooks are available for purchase, or you may find that your computer, phone or PDA comes with a special checkbook application already pre-installed. You can also make your own electronic checkbook through a program like Excel or Access.

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