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In the age of technology, financial institutions are looking for ways to automate processes and make them more cost-efficient. However, when it comes to check processing, banks and credit unions who are still using the same solutions implemented at the time of Check 21 may be unaware of the underlying financial and operational impact.

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The Last Mile of Check Processing: A Hidden Financial and Operational Impact

In the age of technology, financial institutions are often looking for ways to automate processes and make them more cost-efficient. However, when it comes to check processing, many banks and credit unions who are still using the same solutions implemented at the time of Check 21 may be unaware of the underlying financial and operational impact.

The journey of a check can involve multiple software solutions and valuable resources from personnel to IT – not to mention the unseen costs associated with fraud, duplicates, and returns. This overhead amplifies with every point of presentment, from in-branch workflows to remote channels.

In this blog, we dive deeper into these points and efficiency roadblocks, and discuss how automation and modern deposit platforms reduce expenses, as well as ensure your institution is prepared to address the last mile of check processing.

Unseen Costs in Today’s Existing Check Processing Ways

Added expenses associated with deposit acquisition and image processing revolve around the negotiability of items and the probability that the check will flow through the processing system without any flagged issues that cause it to be routed through additional solutions, and image quality (IQA) or usability (IUA) analysis.   Fraud, duplicates, and returns , contribute to hard costs in the following ways:

Fraud – Check fraud, a continued and ever-changing obstacle for banks and credit unions, not only risks account holder loyalty and the reputation of the financial institution, but can lead to monetary losses, which impact the bottom line. 

Duplicate checks – The industry is still facing an uphill battle managing and detecting duplicate checks – when the same item is deposited through more than one channel and/or multiple institutions. In addition to related fraud expenses, banks and credit unions also face potential double posting fees and other related processing expenses.

Chargebacks, returns, and the back-office – Financial institutions commonly rely on separate solutions to process Day 1 and Day 2 items, increasing costs and decreasing efficiencies within the back-office. In addition, many of these efforts involve manual research and corrections, costing time and money. 

Reducing Costs, Speeding Processing, and Improving Efficiencies with Modern Platforms

Since the days of Check 21, most financial institutions have relied on their image-based platforms without considering a change – “ they’re doing their job so why switch? ” is often the response. Just like any other technology, there have been tremendous advancements in the last 20 years around image acquisition and processing. In addition to minimizing the cost of depositing a check, newer software platforms leverage more modern architectures, which improve automation and reduce manual keying, promote cross-channel consistency and data visibility, as well as allow banks and credit unions to reduce their overhead and time associated with testing, implementing, and deploying updates and new products. These operational improvements ultimately have a trickle-down effect that reduces the risk for fraud with real-time analysis cross-channel , less errors, and enable banks and credit unions to identify potential issues faster and before the check reaches the back-office workflow. 

The Unify Difference

Built on the most modern technology today, Unify is a thin-client cloud-native platform that streamlines and simplifies image acquisition and processing by allowing financial institutions to deploy the same platform and 1 external API across all Day 1 and Day 2 processing. The result: a reduction in the total cost of ownership, more streamlined check processing, and increased automation - translating into improved efficiencies and better account holder services. 

To see a 1:1 demo of Unify’s capabilities and the benefits it can bring to your bank or credit union as you approach the last mile of check processing, contact us . 

eBook: Learn more about Unify

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Writing a check may seem like a relic of the past in today’s digital age, but it’s still an essential skill to have. Whether you’re paying bills or making a purchase, knowing how to write a check correctly is crucial. In this step-by-step guide, we will walk you through the process of writing a check, from understanding the basics to avoiding common mistakes. So grab your checkbook and let’s get started!

Understanding the Basics of a Check

Before we dive into the nitty-gritty of writing a check, let’s first understand why it’s important to get it right. Think of a check as a vehicle that carries your money from your account to the payee. Just like driving, there are rules and guidelines to follow to ensure a smooth journey.

When you write a check, you are authorizing the transfer of funds from your bank account to the person or company you are paying. It’s a simple and convenient way to make payments, whether it’s for bills, rent, or other expenses. However, it’s crucial to write checks correctly to avoid any confusion or potential financial risks .

The Importance of Writing Checks Correctly

Writing checks correctly is essential to avoid any confusion or potential financial risks. A simple mistake, such as a misspelled payee name or an incorrect amount, can lead to delays in payment or even fraud. By mastering the art of check writing, you can protect yourself and your finances.

One of the key reasons to write checks correctly is to ensure that the payment reaches the intended recipient . Imagine writing a check to your landlord for rent, but misspelling their name. The bank may reject the check, causing a delay in the payment and potentially straining your relationship with the landlord. Additionally, if the check falls into the wrong hands, a fraudster could easily alter the payee name or the payment amount, putting your finances at risk.

Another reason to pay attention to check writing is to maintain accurate records . When you write a check, it serves as a paper trail of your financial transactions. Having clear and accurate records can be helpful for budgeting, tax purposes, and resolving any disputes that may arise.

Components of a Check

Now that we understand the importance of check writing, let’s take a closer look at the various elements that make up a check.

A check typically consists of:

• The payee line: This is where you write the name of the person or company you are paying. It’s important to double-check the spelling and ensure that it matches the payee’s name exactly.
• The amount line: This is where you write the numerical value of the payment. It’s crucial to write the amount clearly and accurately to avoid any confusion.
• The written amount line: This is where you write the payment amount in words. This serves as a backup in case there is any discrepancy between the numerical and written amounts.
• The date line: This is where you date the check. It’s important to date the check on the day you write it to ensure that it’s valid and can be processed by the bank.
• The signature line: This is where you sign the check. Your signature serves as a verification that you authorize the payment.
• The memo line: This is an optional space where you can write a note to yourself or the payee. It can be used to provide additional information or instructions related to the payment.

By understanding and correctly filling out each component of a check, you can ensure that your payments are accurate, secure, and hassle-free.

Preparing to Write Your Check

Now that you’re familiar with the components of a check, it’s time to prepare yourself before putting pen to paper.

Writing a check may seem like a simple task, but it’s important to approach it with care and attention to detail. Taking the time to gather the necessary information and ensuring you have sufficient funds will help you avoid any potential issues or complications.

Gather Necessary Information

Before writing a check, make sure you have all the necessary information at hand. This includes the payee’s name, the payment amount, and any additional details you may want to include in the memo line.

When it comes to the payee’s name, it’s crucial to double-check the spelling and accuracy. Making a mistake in the payee’s name can lead to delays in processing the payment or even result in the check being returned.

The payment amount is another critical detail that requires attention. Take the time to write the amount clearly and accurately, both in numbers and words, to avoid any confusion or discrepancies.

In addition to the payee’s name and payment amount, you may want to include additional details in the memo line. This can be helpful for both you and the payee in identifying the purpose of the payment. Whether it’s for rent, utilities, or a specific purchase, providing a brief description in the memo line can serve as a useful reference.

Ensure You Have Sufficient Funds

Writing a check is only useful if you have enough funds in your bank account to cover the payment. Before writing a check, check your account balance to avoid any unpleasant surprises.

It’s important to keep track of your finances and ensure that you have sufficient funds available to cover the payment. If you’re unsure about your account balance, you can check it online, through your bank’s mobile app, or by contacting your bank directly.

Writing a check without sufficient funds can result in overdraft fees, bounced checks, and potential legal consequences. It’s always better to be proactive and ensure that you have enough money in your account before proceeding with the payment.

In some cases, you may need to transfer funds or deposit money into your account to cover the payment. Planning ahead and taking the necessary steps to ensure you have sufficient funds will help you avoid any financial complications.

By gathering all the necessary information and ensuring you have sufficient funds, you can approach writing a check with confidence and peace of mind. Taking these steps will not only make the process smoother but also help you maintain good financial habits .

Writing the Check: A Detailed Process

Now that you’ve done the groundwork, it’s time to write the check. Let’s break down the process step by step.

Filling Out the Payee Line

The payee line is where you specify who will receive the payment. It’s essential to write the payee’s name accurately to ensure the check reaches the intended recipient. If you’re unsure about the spelling, double-check with the payee or consult their official documentation.

When writing the payee’s name, it’s important to use the appropriate format. If the payee is an individual, write their full name, including their first name, middle name (if applicable), and last name. If the payee is a business or organization, write the full and official name as it appears on their legal documents.

For example, if you are writing a check to John Smith, make sure to write “John Smith” in the payee line. Avoid using nicknames or abbreviations unless they are commonly used and recognized by the payee.

Remember, accuracy is crucial here. Any mistakes or misspellings could result in the check being returned or not reaching the intended recipient.

Writing the Correct Amount

Next, it’s time to fill out the amount line, which includes both the numerical and written representations of the payment. Take extra care when writing the amount in words, as this is the legally binding version of the payment. If you make a mistake, void the check and start over to avoid any confusion.

When writing the numerical representation of the payment, ensure that the amount is written clearly and accurately. Use decimal points to indicate cents, and separate thousands with commas for larger amounts. For example, if the payment amount is $1,500.75, write “1,500.75” in the numerical box.

After writing the numerical amount, it’s time to write the payment amount in words. This is an important step as it serves as a backup to the numerical representation. Write the amount in words using capital letters and include both dollars and cents. For example, if the payment amount is $1,500.75, write “ONE THOUSAND FIVE HUNDRED AND SEVENTY-FIVE CENTS” in the written box.

Double-check the written amount to ensure it matches the numerical representation. Any discrepancies between the two may cause confusion and potentially lead to the check being rejected or disputed.

Adding a Memo (Optional)

The memo line is a space where you can add a note about the purpose of the payment or any specific instructions. While it’s optional, including a memo can provide additional clarity for both you and the payee.

When adding a memo, keep it concise and relevant. If you are making a payment for a specific service or product, mention it in the memo line. For example, if you are paying for a monthly subscription, you can write “Payment for Monthly Subscription – July 2022” in the memo line.

Including a memo can help both you and the payee keep track of the purpose of the payment and provide a reference point if needed in the future. However, it’s important to note that the memo line does not have any legal significance and does not affect the validity or enforceability of the check.

Post-Check Writing Steps

Once the check is written, your journey as a responsible check writer is not over yet. There are a couple of important steps to take to ensure accurate record-keeping.

Recording the Check in Your Register

To keep track of your finances, it’s crucial to record the check in your check register. This allows you to monitor your spending and maintain an accurate balance in your account.

When recording the check in your register, make sure to include the date, payee’s name, and the amount of the check. Additionally, you may want to include a brief description of the purpose of the payment. This will help you easily identify the transaction in the future.

It’s also a good practice to reconcile your check register with your bank statement regularly. This ensures that all the checks you have recorded in your register have been processed by the bank and that there are no discrepancies.

Keeping Track of Your Checks

Keeping a record of the checks you write is essential for your financial organization. Maintain a separate file or folder where you store copies of your written checks. This will come in handy when you need to reference past transactions or resolve any discrepancies.

In addition to storing physical copies of your checks, you can also consider using digital methods to keep track of your checks. Many banks offer online banking services that allow you to view and download copies of your cleared checks. This can be particularly useful if you prefer to have a digital record of your financial transactions.

When organizing your checks, you may want to categorize them based on different criteria, such as personal expenses, bills, or business-related payments. This will help you quickly locate specific checks when needed.

Furthermore, it’s important to periodically review your check records to ensure that all the checks have been properly cleared and accounted for. If you notice any discrepancies or unauthorized transactions, contact your bank immediately to address the issue.

Common Mistakes to Avoid When Writing a Check

Now that you’ve learned the correct way to write a check, let’s take a look at some common mistakes to avoid.

Writing a check may seem like a simple task, but it’s important to pay attention to the details to ensure that your payment is processed smoothly. Here are a few mistakes that you should be aware of:

Incorrect Date Format

One common mistake that people make when writing a check is entering the date incorrectly. It’s crucial to write the date in the correct format on the designated line. For example, if the date is January 15, 2022, you should write it as “01/15/2022” or “January 15, 2022.” Mistakenly entering the wrong date can cause confusion and potentially delay your payment. So, always double-check the date before finalizing your check.

Additionally, it’s worth noting that some financial institutions may have specific guidelines for date formatting. It’s a good idea to familiarize yourself with these guidelines to ensure compliance and avoid any unnecessary complications.

Not Signing the Check

Another common mistake that people make is forgetting to sign the check. Always remember to sign the check on the designated signature line. Your signature acts as a validation and ensures that the check is authentic. Without a signature, the check may be considered invalid, and the recipient may not be able to cash or deposit it.

When signing the check, make sure to use your legal signature. It should match the signature on file with your bank. If you have recently changed your signature, it’s essential to update it with your bank to avoid any potential issues.

Furthermore, it’s important to note that some checks may require additional endorsements, especially if you are depositing the check into a joint account or a business account. In such cases, make sure to follow the specific endorsement instructions provided by your bank.

By being mindful of these common mistakes, you can ensure that your checks are filled out accurately and increase the chances of a smooth transaction. Remember, attention to detail is key when it comes to financial matters.

The Role of Digital Checks in Today’s World

In our increasingly digital world, traditional paper checks are no longer the only option. Digital checks are gaining popularity due to their convenience and efficiency.

As technology continues to advance, digital checks have emerged as a viable alternative to traditional paper checks. With just a few clicks, you can process payments electronically without the need for physical checks. This means no more trips to the bank or waiting for checks to clear. Payments are made electronically, enabling quicker transactions and reducing the risk of errors.

How Digital Checks Work

So, how exactly do digital checks work? It’s quite simple. Instead of writing out a physical check, you can now use online platforms or mobile apps to initiate the payment process. These platforms securely store your bank account information, allowing you to easily transfer funds to the recipient.

Once you’ve entered the necessary payment details, the digital check is sent electronically to the recipient’s bank for processing. The recipient then receives the funds directly into their account, eliminating the need for physical check depositing.

One of the key advantages of digital checks is the speed at which transactions can be completed. Unlike traditional checks that may take days to clear, digital checks offer near-instantaneous transfers. This is particularly beneficial for businesses that rely on timely payments to maintain cash flow and meet financial obligations.

Pros and Cons of Digital Checks

While digital checks offer convenience and efficiency, it’s important to note that they may come with potential drawbacks. Some individuals may have concerns about the security and privacy of online transactions. However, it’s worth mentioning that digital check platforms employ robust security measures to protect your sensitive information.

Another potential drawback is the reliance on technology. In the event of a system outage or technical glitch, digital check transactions may be temporarily disrupted. This can cause inconvenience and delays in payment processing, especially for businesses that heavily rely on digital checks as their primary payment method.

On the other hand, digital checks offer a range of benefits. They eliminate the need for physical checkbooks, reducing the risk of check fraud and forgery. Additionally, digital checks provide a convenient record-keeping system, allowing users to easily track and manage their payment history.

It’s vital to weigh the pros and cons before deciding which method works best for you. While digital checks may not be suitable for every individual or business, they undoubtedly offer a modern and efficient alternative to traditional paper checks.

Conclusion: The Art of Check Writing

Writing a check may seem like a simple task, but it requires attention to detail and a dose of financial responsibility. By following the step-by-step guide we’ve outlined, you can master the art of check writing and ensure smooth financial transactions.

Recap of Steps to Write a Check

Let’s quickly recap the steps to write a check:

• Gather necessary information.
• Ensure you have sufficient funds.
• Fill out the payee line accurately.
• Write the correct amount in both numbers and words.
• Add a memo if necessary.
• Record the check in your register.
• Maintain a record of your written checks.
• Avoid common mistakes like incorrect dates or forgetting to sign the check.

Final Thoughts on the Importance of Check Writing Skills

While our world becomes increasingly digital, the ability to write a check remains an essential skill. By honing your check writing skills, you can navigate financial transactions confidently and safeguard your finances. So, go ahead, grab your pen, and start writing those checks!

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If you haven’t written one in a while (or ever), here’s a handy guide on how to write a check.

Key takeaways

• Checks are still a valid form of payment, but are less commonly used due to the rise of electronic payments.
• It’s important to fill out a check accurately and legibly, as any errors can cause issues with the transaction.
• It’s important to keep a record of checks written and payments made to organize your personal finances.

Parts of a check

The parts of a typical check include:

• Your personal details: Positioned in the top left corner, these details include your name and the address linked to your bank account.
• Check number: Found in both the top and bottom right corners, this number is used for tracking and security purposes.
• Date line: This is where you specify the date for the intended transaction.
• “Pay to the order of” line: This is where you write the recipient’s name.
• Box for the dollar amount: This is where you note down the amount numerically.
• Line for the dollar amount: This is where you write the check amount, in words.
• Memo line: A feature that gives you the option to indicate the purpose of the check.
• Name of the bank: Usually accompanied by its logo or address.
• Routing number: The initial series of numbers at the bottom left that identify your bank.
• Your account number : The second series of numbers at the bottom that indicate the account from which the funds will be withdrawn.
• Signature line: Where you sign your name to authorize the funds to be drawn.

Steps to fill out a check

These days, many consumers send money electronically , but on occasion it may still be necessary to pay by paper check. Checks can be ordered from banks or third-party printers.

It’s important to note that there are several different types of checks, including personal checks , cashier’s checks and traveler’s checks. Though they may come with different fees and different ordering protocols, the way you fill out each check is generally the same.

Before writing a check, you’ll need to have a checking account with sufficient funds to cover the amount of the check. Then, here are the steps to fill one out.

1. Fill in the date

Write the current date on the line at the top right-hand corner. This information notifies the financial institution and the recipient of when you wrote it. The date can be written in long form or all numbers. Either 1/11/2024 or Jan. 11, 2024, could work, for example.

2. Write the name of the payee

On the line that says “Pay to the order of,” write the name of the individual or company you’d like to pay, known as the payee. Use the payee’s full name instead of a nickname. If you don’t know the exact name, you can write “cash” here. Be aware that if a check is made out to cash, anyone can cash or deposit it.

3. Write the check amount in numeric form

There are two places on a check for stating the amount you’re paying. The first is a small box to the right of the line for the recipient’s name. Write the numerical dollar amount in this box. For example, you may write $100.30 if you wish to write a check for one hundred dollars and thirty cents. Make sure you write this clearly so that the bank can subtract the correct amount from your account.

4. Write the check amount in words

Next, write out the dollar amount in words on the line below “Pay to the order of,” making sure it matches the numerical amount. Add the cent amount over 100. For example, if you wrote $100.30 in the box, you’ll write “One hundred and 30/100.” If the check is for $100 or another round number, still include 00/100 after the dollar amount for clarity.

5. Write a memo

The memo section of the check is optional, but it’s a good idea to fill it out because it can serve as a reminder of what the check is for. If you’re writing the check to pay for a haircut, for example, you can write “haircut.” A company may ask you to write your account number or invoice number in this section, which helps ensure the payment is applied to the correct account. You would also write your account number in the memo area if the check’s for a bill payment.

6. Sign the check

Sign your name on the line at the check’s bottom right-hand corner. Sign legibly, and make sure to use the same signature on file at your bank. A signature confirms to the bank that you agree to pay the stated amount to the payee.

That’s it; your check should be all set to make a payment!

Additional tips for writing a check

• Always use a pen instead of a pencil when filling out a check, to avoid alterations.
• Write legibly to prevent any confusion.
• Double-check the details on the check before handing it over to ensure accuracy.
• Keep track of check numbers and maintain records of checks paid. That way you’ll have a record of the payment if there’s any question about whether a certain expense was paid or how much you spent.

FAQs about checks

Can i write a check to myself, what is a postdated check, how should i fix a mistake on a check, bottom line.

With the rise of digital payment methods, writing checks has become less common, but it is still essential to know how to fill one out correctly in case the need ever arises. By following the steps outlined above and double-checking all of the information you’ve written out, you can make sure that your check payments will be processed accurately and securely.

–Freelance writer Anna Baluch contributed to a previous version of this article.

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Breaking Down the Parts of a Check

Where is the routing number?

In the age of digital banking, check writing is a lost art. Still, illustrating the components that make up a check helps you better understand the banking process and how your money is being dispersed into and out of your checking account. Plus, you may be surprised to find there are elements of a check that are still relevant to your daily financial life. Here’s a breakdown.

1: Your personal information

In the upper left corner of your check, you’ll find the name and address you’ve registered with your bank.

2: Check number

In the upper and lower right corners of your check is the check number. This number is for your own record-keeping and provides additional account security. Check numbers help you keep track of which checks you have used and will appear as line items in your bank statement.

3: Date line

When writing a check, here is where you record the date that you intend for the transaction to occur. If you write a check and plan for it to be deposited at a later date, make sure that your account has adequate funds to cover the amount because your check’s recipient may not wait until the date written to deposit the check. 

4: “Pay to the order of” line

This line is where you write the name of the business or individual your check is intended for.

5 and 6: Dollar amount box and dollar line

To the right of the “Pay to the order of” line, your check has a box with a dollar sign in front of it. This is where you write the total amount of money you wish to send in numerals; for example, $315.10. On the line directly below, you will write out the check amount long-form, with words instead of numbers. If your check amount includes cents, they should be written as a fraction. Using the example above, this would be: Three hundred and fifteen dollars + 10/100.

7: Bank name and logo

Also visible on the front of your check is your bank’s name and logo. This indicates the financial institution that issued your checks and where the money in question will be withdrawn from.

8: Memo line

In the bottom left corner of your check, there is a line where you can specify your check’s purpose — such as Wi-Fi bill, plumbing fee, monthly rent, birthday, and the like.

9: Signature line

Next to the memo line in the bottom right corner of your check is the signature line. This is how you indicate the check came from you and denotes your permission for the funds to be withdrawn from your account. 

10 and 11: Account number and routing number

These two components of your check are arguably the most relevant, and those that you will use most frequently outside the confines of your checkbook. Your routing number is associated with the bank that holds your account, and your account number identifies your specific account within the bank. Knowing this information is useful when setting up direct deposit for your paycheck with your employer, or creating accounts with online banking and money apps such as PayPal, Cash App, and Venmo.

If you are a Wintrust customer and need to access this information without a check, you can find out how to access your branch’s routing number  here .

12: Padlock icon

On the back of your check, you’ll notice a box containing a padlock icon. No need to do anything with this — the icon serves as a symbol for the security measures that have been taken to prevent fraud.

13: Endorsement line

On the back of your check is a section where the recipient needs to sign before depositing in person, online, via mobile, or at an ATM. Endorsing a check is a final security measure to verify someone as the check’s intended recipient. This also allows the bank to move forward in clearing the check to deposit the funds. 

Questions? Our bankers provide guidance and direction not just when you get started on your banking journey, but at every step along the way. Contact your banker for assistance or reach out to us  here .

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How to Read a Check

Have you ever looked at a check, wondering what all the numbers mean? If so, you’re not alone. In today’s digital world, paper checks are less common, but knowing how to read a check is still a useful skill. Understanding what a properly written check should look like can help you catch errors, avoid fraudulent checks, and allow you to easily set up electronic transfers.

Whether you have a personal check from a friend, a business check from an employer, or a cashier’s check from a bank, each has the same key elements. The following guide explains each section of a check and how they work together to facilitate the transfer of funds.

9 Things To Look For When Reading A Check

Understanding exactly what to look for can help you ensure the check you've received is valid and reduce the chances that you could run into problems when it's time to cash or deposit the check. Here are nine important points to review. 

1. Date Line

The date line indicates the date the check was written. It is possible to post-date a check, writing a future date on the date line. This is often done with the intention of waiting until the account has sufficient funds to cover the check amount. However, post-dating does not guarantee that the funds won’t be withdrawn until after the date on the check. Most institutions will cash a check as soon as it’s signed by the issuer, regardless of the date written on the date line.

The date line is also important because banks and credit unions can choose not to honor checks that are more than six months old [1] . These are known as “stale-dated checks.” While federal law does not require checks to expire, states may have their own laws regarding check expiration. Some checks indicate on the front that they are only good for 90 days; however, the institution may still honor them for up to 180 days.

2. Check Number

The check number is typically located in the upper right corner of the check. In some cases, it’s also located at the bottom of the check after the symbol at the end of your account number.

Checks are numbered in ascending order, allowing you to easily keep track of checks that have been written. When you write a check, add the check number and the amount to your check register, which is the section in your checkbook where you record deposits and withdrawals. If you use a digital system like Quickbooks or Quicken to record banking transactions and reconcile accounts, enter the information there instead. Recording check information as soon as you write a check will help you keep the account balanced and avoid accidental overdrafts. 

3. Payee Name

The payee line is where the check writer indicates the name of the person or business being paid. If the check is made payable to multiple people with the word “and” in between, they must both endorse the check. However, if it is written with the word “or,” then only one of the parties indicated will need to endorse it [2] .

It’s critical to write out the payee information clearly and ensure the names are spelled correctly, as this can help avoid problems with cashing the check. If you’re the recipient of a check, make sure your name is clearly written on the payee line.

If the word “Cash” is written on the payee line, the check can be cashed by anyone who has possession of it. While this can be convenient in some situations, it’s also less secure than writing out a specific payee name.

4. Payment Amount In Numbers

The payment box contains the monetary value of the check, written in numbers. This should include the full amount in dollars and cents. For example, the payer may write $50.25 or $30.00. 

5. Payment Amount in Words

Under the payment box, there is also a line where the dollar amount is written out in words. For example, a check may have $225.75 written in the payment box and “Two hundred twenty-five dollars and 75/100” written on the line below.

If there is a discrepancy between the amount written in the payment box and the amount written out in words, the bank will typically honor the written amount. You can avoid confusion or potential disputes by ensuring these amounts match before issuing or trying to cash a check.

6. Check Memo 

On the check memo line, the payer can add a note regarding the purpose of the check, add an account number related to the purpose of the check (ex; utility bill), or include additional information. This can be helpful for reconciling payments or matching checks to the applicable account number.

7. Endorsement Line

On the back of the check, you’ll find the endorsement line. This is where the recipient of the check signs, verifying that they are the proper recipient and authorizing the bank to process the check on their behalf.

To avoid potential problems with cashing the check, it’s critical that the recipient sign the endorsement line exactly as their name is written on the payee line. Also, avoid writing anything below the endorsement line, as this can lead to complications.

8. Routing Number

At the bottom of your check is a series of machine-printed numbers. The first nine digits on the left are the bank’s routing number, which is a unique code that identifies the institution where the account is held.

When you cash a check, the routing number allows the receiving bank to request the funds from the correct institution. You’ll also need the routing number to set up electronic transactions such as online bill payments, direct deposits, or electronic fund transfers.

9. Account Number

The checking account number is the series of numbers to the right of the routing number. This is a unique identifier for each specific account. When someone writes a check, the bank uses the account number to withdraw funds from their account and deposit them into the payee’s account. Your account number is also needed when setting up electronic transactions.

Some checks may have additional numbers before or after the account number, which may be part of the bank’s internal processing or a way to identify a specific branch location.

Navigating The Numbers

Now that we’ve reviewed the details of how to read a check, you have all the information needed to set up electronic transactions, keep track of your transactions, and handle a paper check with confidence.

If you’re looking for a reliable partner in your financial journey, PNC Bank is here to provide you with the products and services you need. From checking accounts tailored to fit your lifestyle to online and mobile banking , we offer solutions that empower you to take control of your financial future.

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Important Legal Disclosures and Information

1. The bank/credit union refused to cash a check because it was more than six months old. Is this allowed?, Consumer Financial Protection Bureau, August 26, 2020, https://www.consumerfinance.gov/ask-cfpb/the-bankcredit-union-refused-to-cash-a-check-because-it-was-more-than-six-months-old-is-this-allowed-en-933/

2. I received a check payable to both my spouse and myself. Do both of us have to sign the back of the check?, Consumer Financial Protection Bureau, August 25, 2020. https://www.consumerfinance.gov/ask-cfpb/i-received-a-check-payable-to-both-my-spouse-and-myself-do-both-of-us-have-to-sign-the-back-of-the-check-en-941/

PNC Bank, National Association Member FDIC .

These articles are for general information purposes only and are not intended to provide legal, tax, accounting or financial advice. PNC urges its customers to do independent research and to consult with financial and legal professionals before making any financial decisions. This site may provide reference to Internet sites as a convenience to our readers. While PNC endeavors to provide resources that are reputable and safe, we cannot be held responsible for the information, products or services obtained on such sites and will not be liable for any damages arising from your access to such sites. The content, accuracy, opinions expressed and links provided by these resources are not investigated, verified, monitored or endorsed by PNC.

Parts Of A Check

Parts Of A Check include your bank account information, the amount paid, and the payee’s name. Instead of ordering pre-printed checks, you can create personalized checks from scratch and print them from anywhere. The platform offers military-grade security for the checks you print, saving 80% of the cost. Checks can be sent online or mailed via USPS/FedEx for $1.25. Additionally, pay and get paid by ACH, Wire transfer, eChecks, Mail checks, and more.

OnlineCheckWriter.com- powered by Zil Money is a financial technology company, not a bank or an FDIC member. OnlineCheckWriter.com offers banking services through partnership with FDIC member banks Silicon Valley Bank, Texas National Bank, and East-West Bank.

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Use OnlineCheckWriter.com to print your MICR number securely on checks without needing an expensive MICR printer. The MICR number includes your bank routing, account, and check numbers, ensuring check security . To meet your needs, you can customize checks with logos, images, and fonts. The software provides high-quality checks and robust security features to prevent fraud .

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Check template is a pre-made document that streamlines the quick and cost-effective creation of checks. This platform lets users easily generate, personalize, and design checks online. You can instantly print the check template on blank paper from anywhere. It enables you to print business checks with your company’s logo, create custom payroll checks , and enhance the appearance of your checks using the integrated design tool.

FREQUENTLY ASKED QUESTIONS

What are the 5 parts of a check.

The five important parts of a check are date, payee, amount, signature, and bank information, such as your routing number, bank account number, and check number. Print all these details without any errors using OnlineCheckWriter.com.

Which part of check is routing number?

The routing number, or the ABA number, is the set of nine digits printed on the bottom left corner of a check. You can print routing numbers on checks using OnlineCheckWriter.com.

What is the best check printing software?

OnlineCheckWriter.com is the best user-friendly check printing software for personal and business needs. You can print unlimited checks using any printer with the software.

Check vs Cheque

Check and cheque are two different spellings of the same word. Check is the American spelling, whereas cheque is the British spelling. Print high-quality checks at home or in the office using OnlineCheckWriter.com.

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Check Format: Parts of a Check and What the Numbers Mean

Learn what to write in each space on a check

• Why Understand Check Format

Personal Information

Check amount written out with words, signature line.

• Your Bank's Contact Information

ABA Routing Number (MICR Format)

Your account number, check number, aba routing number (fractional format), frequently asked questions (faqs).

Britney Willson / The Balance

A check's format can be confusing if you're new to writing checks. It includes pre-printed information that's important to understand, as well as blank spaces where you should fill in the name of the person or organization you're paying, the amount you're paying, your signature, and more.

But once you understand the different parts of a check, you’ll feel confident completing, receiving, and depositing paper checks.

Key Takeaways

• A check includes pre-printed information, as well as blank sections that you need to carefully fill in.
• Understanding check format helps you set up direct deposit instructions, make sure checks you receive are filled in properly, and order new checks.
• The main parts of a check include personal information, bank information, the payee's name, check amount, and signature.

Why You Should Understand a Check's Format

In addition to being necessary for writing a check, understanding the parts of a check helps you:

• Order new checks
• Make sure check orders come out correctly
• Set up  direct deposit instructions
• Verify that any checks you receive are filled out properly

At the top of this story, you'll find a diagram of a check that is properly filled out, and the blank check below labels the different parts of a check, followed by a detailed explanation of each component.

Parts of a Check: An Overview

Justin Pritchard

Each of the below sections corresponds to an important part of this blank check. Some aspects of a check are self-explanatory, such as the date. Others have interesting quirks that are unique to check-writing, such as writing out dollar amounts with words.

• Personal information: Provides details about the account owner, who is the one paying money.
• Payee line: Designates who can receive the money.
• Dollar box: Displays the value of the check in numerical format.
• Amount of your check:  This is written out in a section using words instead of numbers .
• Memo line: A space for any notes about the purpose of the check.
• Date Line: Serves as a timestamp for the check.
• Signature line: Verifies that the account owner has approved the payment.
• Your bank’s contact information   and/or logo: This is usually printed on the check.
• Your bank's American Bankers Association (ABA) routing number: This tells banks where to find the funds for the check.
• Your account number: This is the identifier that lets the recipient know where the money for the check will come from.
• The check number: This appears in two places and is a security measure to identify each payment and prevent fraud.
• Your bank’s fractional ABA number: This contains the same information as the ABA in section nine, but it's often presented in another format in the upper right corner of the check as well.

The back of a check, which isn't pictured here, includes a space for  endorsements . A check is supposed to be endorsed, or signed by the recipient before it is deposited or cashed.

The upper-left corner of a check typically shows personal identifying information about the account owner, and it is almost always pre-printed on checks.

This section generally includes:

• A home address
• Your phone number

This information is usually either the contact information associated with the bank account or the contact information you choose to have printed when you order checks from your bank.

If you're concerned about privacy, you can limit the amount of information on your checks or take steps such as using a post office box instead of your home address.

It's not uncommon for retailers to require certain details to accept a check. They may handwrite your phone number on the check, for example. This makes it easier for them to protect themselves in case of check fraud.

In this section, you specify who will receive funds from your checking account. Write the name of the person or organization that you wish to pay, also known as the payee . Only the payee is allowed to deposit the check, cash it, or endorse it to someone else.

Use the recipient's full name, rather than a nickname, to avoid any confusion or difficulty for the person depositing the check.

If you don't want to name a specific person or organization, it is possible to pay your check to the order of "Cash." However, this is risky because anybody can cash the check, not just your intended payee.

Write the amount of your check in numerical format (for example, "1,250.00" instead of "one thousand two hundred fifty") in the dollar box.

For security, you want to make it as difficult as possible for someone to alter the number you write in this box.

• Write the numbers as far to the left as possible.
• Clearly enter a decimal and any numbers after the decimal.
• Include ".00" for round dollar amounts.

This box is sometimes called the "courtesy box" because it appears on the check as a courtesy or convenience. The number in this box is not used to determine the legal amount of your check. Instead, the official amount comes from the line below, preceding the word "DOLLARS."

In theory, both amounts should match, but sometimes they don't. In those cases, the written words take precedence over the numbers in the dollar box.

On this line, write the amount of your check using words (as opposed to using numerals). For example, if you write a check for $10.50, you would write "Ten and 50/100" in this section.

If there is space either before or after the amount you write out, you may want to strike through it with a single line to prevent anyone from altering the value of your check.

On this line, cents are written as fractions of a dollar, rather than as full cents. Since there are 100 cents in every dollar, put the number of cents above the number 100.

Remember, if there's any difference between the dollar box and the amount written in words, the bank is supposed to ignore the dollar box. That's because words are harder to alter than numbers.

The memo line can be used to write an unofficial note on your check. This is entirely optional, and it can be written in informal terms. Use the memo line to:

• Add details for your personal recordkeeping.
• Include an account, invoice, or transaction number for paying bills.
• Add notes when you're writing checks to friends or family.

You don't necessarily need to get everything on the memo line. You can write additional information just about anywhere on the front of a check, as long as it doesn't cover up any important information. However, you should not use the back of the check for writing any memo information.

Enter the date in this space. If you want to delay the transaction, you can write a future date and notify the bank.

However, you can't simply post-date checks and expect the bank to delay the transaction. Banks generally have no obligation to adhere to the date written on the check unless you explicitly notify them.

Generally, if you notify your bank or credit union about a post-dated check in a timely manner, that notice is valid for six months. If you notify them verbally, rather than in writing, the notice is valid for 14 days. In that time, they should not cash the check before the date written on it.

The payer signs the check at the line in the bottom right-hand corner of the check. This is a security feature, and the signature can be compared to the account holder's signature on file.

Signing is the last step of writing a check, and it should only be completed after double-checking all other sections of the check. If you sign an otherwise blank check and lose track of it, whoever finds it can put whatever they want in those empty spaces.

You may find the letters "MP" next to the signature line on a check. This indicates that the check includes a security feature called microprinting . Microprinting involves tiny words on your check that cannot be detected by the naked eye.

Your Bank's Contact Information

Your bank's name appears on every check you write. However, this section doesn't contain important info, such as the routing number. A phone number and address may be included, or you might just see the bank's logo.

If you received a check from somebody, this section tells you where they bank and where the money will come from. If you want to cash the check, you may be able to do it at that bank (any branch location—it doesn't necessarily have to be at the same address shown on the check).

However, banks have no obligation to cash anyone's check. They may charge a fee or refuse to cash it if you're not a client.

The routing number, found at the bottom left of your check, serves as an "address" for your bank. With that number, other banks can get in touch with your bank and collect funds from your account when you write a check.

While this is the same information as the fractional ABA, the routing number along the bottom of the check is written in a specific font with a special ink. Known as "Magnetic Ink Character Recognition," or MICR, this allows checks to be easily read and processed by computers.

Your account number is also located on the bottom of a check, and it also utilizes MICR.

In most cases, there are three sets of numbers at the bottom of a check, and your account number is the one in the middle. Some checks use a different format, so it's a good idea to confirm your account number. For example, business checks and checks created by an online bill payment system have a slightly different format.

One good way to find your account number on a check is to look for the "⑈" symbol. Your account number appears just before that symbol.

A check number is a reference number that will help you:

• Balance your checkbook .
• Track which checks have been processed by your bank.
• Know which checks are still outstanding.

Some checks have the check number printed in MICR to help prevent fraud.

This number usually appears in two places, both the upper- and lower-right corners. Again, checks may be formatted differently depending on where they are printed. A good tip for finding the check number is to look for the smallest or shortest number—that's often the check number.

In addition to the MICR line along the bottom of the check, the bank's ABA routing number is generally also printed in its fractional format on the upper right corner of a check.

In some cases, the number is elsewhere, but if you're working with a  personal check , you should look toward the upper right.

Just like the MICR line, this number represents the bank, its location, and the Federal Reserve branch that services the bank. ABA routing numbers are more than a century old, and the fractional format helped bankers identify important information before the advent of MICR.

Do check numbers matter?

Check numbers are for your reference so you can keep track of transactions. The bank doesn't rely on check numbers when processing checks, and it's possible to clear multiple checks with the same number.

What information is required on a personal check?

Different vendors and service providers may have different requirements for the personal information you include on a check. Some of them will allow you to write in missing information such as a phone number. Usually, having your name printed on the check is sufficient. The more information you have printed on the check, the more access potential thieves have to your identity.

Can you use a check with an old address?

A check doesn't have to have your current address in order for you to use it. As long as the routing and account numbers on the check are current, the check is valid, and your bank can process it.

National Credit Union Administration. " Understanding a Check and Balancing a Checkbook ."

CFPB. " I Received a Check Where the Words and the Numbers for the Amount Are Different ."

CFPB. " Can a Bank or Credit Union Cash a Post-Dated Check Before the Date on the Check? "

CFPB. " My Bank/Credit Union Cashed a Post-Dated Check Even Though I Told Them About the Post-Dated Check Before They Received It ."

Treasury Department. " U.S. Treasury Check Security Features ."

Federal Reserve Consumer Help. " Can a Bank Refuse to Cash My Check? "

Georgia Department of Banking and Finance. " Check Fraud / Counterfeit Checks ."

American Bankers Association. " ABA Routing Number ."

Mobile Check Deposits: With Soaring Use, Increasing Risks

Introduction Consider the following hypothetical scenario (and a typical scam involving mobile check deposits) in which an employer (the “Company”) issues a paper check to one of its employees (the “Employee”). The Employee remotely deposits the check with his or her bank (“Bank A”) by snapping an image of it with his or her smartphone and using Bank A’s mobile deposit app.  Bank A electronically creates a substitute check, and presents it to the Company’s Bank (“Bank B”) for payment. Meanwhile, the Employee retains the original paper check and later cashes that original check at a check-cashing store (or at another bank or currency exchange). [1]  The check-cashing store then deposits the original paper check with its depositary bank (“Bank C”). Bank C converts that check to an electronic item and presents it to Bank B (the Company’s bank), through an electronic forward-collection cash letter. [2] Bank B will at this time likely identify the check as a suspected duplicate, because the substitute check has already been presented for payment. When Bank B dishonors the check as a suspected duplicate, the check will bounce back to Bank C, which will charge the item back to its customer’s (the check cashing store’s) deposit account.

The duplicate deposit might have been an accident or it might be the result of fraudulent intent. Either way, the Employee is double-depositing a check, begging the question as to who is left to make good on these multiple transactions, especially if the parties are unable to recover directly from the Employee? The check-cashing store is likely to assert that it is entitled to payment from the “drawer” (in this scenario, the Company) as a holder in due course. Does the Company have any defense to the check-cashing store’s holder in due course claim?  Furthermore, does the Company or its bank (the “drawee” or “payor bank”) have any recourse against Bank A, which created the substitute check (the “reconverting bank” [3] )?

Since the 2004 introduction of the Check Clearing for the 21st Century Act (“Check 21 Act”), [4] mobile deposits of checks have become increasingly popular. The Check 21 Act created a new negotiable instrument called a “substitute check”—a digital version and legal equivalent of an original check—paving the way for electronic check presentment by retail bank customers. Electronic check presentment has two major benefits: first, presentment occurs more quickly than if the physical check had to be transported for presentment; and second, the process is less costly. [5]  However, with the increasing use of mobile check deposit technology comes an increasing risk of checks being deposited more than once (“duplicate presentment”). The loss resulting from duplicate presentment is one of the principal risks posed by mobile check deposits.

Prior to the introduction of mobile deposit technology, the existence of a single, unique paper check meant that only one “holder” was capable of possession. The existence of a digitized “substitute check­”—indeed, one that can be replicated multiple times—results in a situation where multiple parties can claim to be “holders in due course,” each with a claim of entitlement to payment of the same instrument. 

The “holder in due course” doctrine governs negotiable instruments such as checks. [6] The doctrine says that a party who acquires a negotiable instrument in good faith, for value, and without notice of certain facts, [7] takes the instrument free of competing claims of ownership [8] and most defenses to payment. [9] The underlying idea is that a party acquiring a check should be free of concerns that the creator of the check or anyone else who owns the instrument will have particular grounds for refusing to pay.

This article provides an overview of the legal framework governing mobile check deposits, focusing on duplicate deposits where one party holds the original paper check, and suggests strategies for mitigating the risk of duplicate presentment.

Uniform Commercial Code The provisions in Articles 3 and 4 of the Uniform Commercial Code (“UCC”) provide some answers to the questions posed above, although revisions are sorely needed in the face of technological advances in check collection and payment practices, particularly given that the current provisions were designed for a paper-based system.

The current presentment and transfer warranties in Articles 3 and 4 depend upon transfer or presentment of a physical piece of paper. [10]  Thus, a transferor or presenter does not make these warranties if the item being transferred or presented is an electronic image of a check. Importantly, the UCC imposes no warranty obligation for potential double deposits such as the one outlined in the hypothetical scenario presented above (i.e., payments on both the electronic image (substitute check) and the original paper check). Simply stated, the UCC does not address the possibility that a single instrument could be presented for payment multiple times since, prior to mobile deposit technology, presentment or negotiation of an instrument required physical possession of the original instrument. [11]

In the hypothetical scenario above, the payor bank (Bank B) will be required to credit its customer’s (the Company’s/drawer’s) account for one of the payments, as only one was properly payable. Here, if the payor bank (Bank B) returns the suspected duplicate item and refuses to pay either the reconverting bank (Bank A) or the check-cashing store, the drawer of the original check (its customer, the Company) will then likely face a holder in due course claim.

Traditionally, the right to enforce an instrument has been given to the holder of that instrument, [12] with the holder, in turn, defined as the person in physical possession of the instrument. [13]  The entity that retains the original check (here, the check-cashing store) might have a holder in due course claim and, thus, might demand payment from the drawer (the Company). The check-cashing store has a strong argument for holder in due course status if it took the check by proper endorsement, in good faith, for value, and without notice that it was a duplicate. [14]

With a “substitute check” treated as a legal equivalent to a paper check under the Check 21 Act (discussed below), a person in possession of the substitute check is entitled to enforce it. Thus, if the reconverting bank (Bank A) creates a substitute check, it might also obtain “holder in due course” status. 

However, as detailed below, even if the reconverting bank (Bank A) creates a substitute check, the bank might not qualify as a holder in due course if the electronic image created by its customer and transmitted to the bank does not satisfy the applicable requirements for such a check.  Furthermore, the payor bank (Bank B) will likely be able to pursue a claim against the reconverting bank (Bank A) under the Check 21 Act’s warranty provisions.

Check 21 Act Prior to the passage of the Check 21 Act, banks and other financial institutions were required to physically present an original paper check (an act known as “presentment”) in order to receive payment. [15]  The Check 21 Act authorized the use of a “substitute check”—an electronic reproduction of the front and back of the original check. [16]  Under the Check 21 Act, a substitute check is the legal equivalent of the original check provided that it accurately represents the original and bears the legend: “This is a legal copy of your check. You can use it the same way you would use the original check.” [17]  As a result, a bank may permit its customers to scan checks and deposit them electronically using the bank’s mobile deposit app so that the bank can then use the scanned image to create a substitute check. Like an original paper check, a substitute check is also subject to any provision of the UCC or applicable federal or state law, but only to the extent that such provisions are not inconsistent with the Check 21 Act. [18]

Notably, the Check 21 Act does not require the destruction of the original paper check after the creation of a substitute check. [19] By permitting a customer to retain the original check and converting the image of the original check into the electronic “substitute check,” a bank offering mobile deposits effectively cedes control of a portion of its back-office operations to the customer. Thus, the scenario presented above, in which a customer deposits an original check after depositing the “same” check electronically, is a creature of the Check 21 Act.

The Check 21 Act imposes warranty and indemnity obligations upon a bank issuing a substitute check.  A bank creating a substitute check—i.e., the reconverting bank—assumes the risk that arises from the creation of multiple legally enforceable copies of the same item. The reconverting bank warrants to each subsequent handler of the check that it will not receive multiple presentments of the check such that it will be asked to make a payment based on a check it has already paid. [20]  Specifically, “no depositary bank, drawee, drawer, or endorser will receive presentment or return of, or otherwise be charged for, the substitute check, the original check , or a paper or electronic version of the substitute check or original check such that the bank, drawee, drawer, or endorser has already paid.” [21]

Thus, if the Employee in the hypothetical example above electronically deposits a check using Bank A’s mobile deposit app and then later cashes the original check at a check-cashing store, and if the bank on which the check is drawn (Bank B) pays both the original check and the substitute check created by Bank A, the payor bank (Bank B) has recourse against Bank A for its overpayment based on Bank A’s Check 21 Act warranty. [22] Liability for the loss falls to the bank that allowed a customer to use its mobile deposit app (Bank A).  The reconverting bank (Bank A) may, in turn, charge the loss against its customer, the Employee. [23]  However, the key point is that the warranties described in the Check 21 Act dictate that the act of accepting the mobile deposit and creating the substitute check places responsibility for any multiple payments on the bank creating the substitute check.

Mitigation Strategies The lack of a comprehensive cross-bank, real-time duplicate detection system is one of the key reasons that it is possible for a consumer to double deposit a check by initially making a mobile deposit and subsequently making a paper deposit at another institution. Thus, one possible way for banks to protect themselves from duplicate presentment is to make funds available not sooner than one to two days after they are deposited. This would allow banks to clear each check through the drawer’s financial institution, verifying it as a legitimate instrument. However, this concept runs contrary to the business model of the check-cashing store.

Alternatively, as some banks already do, [24] all banks could require their customers to endorse each original check prior to scanning it for a mobile deposit, with language indicating that the item is “For Mobile Check Deposit Only,” along with the deposit account number, thus making it less likely that the original check could later be deposited at another bank or check-cashing store.

Another key way for banks to shield themselves from losses caused by duplicate presentment is by building certain protections into the agreement between the bank and its customers using the mobile check deposit functions. Each bank’s mobile deposit service agreement could include warranties from the customer to the bank that track the Check 21 Act’s warranties given to subsequent handlers of the check. The bank could also require its mobile-deposit customers to indemnify the bank against any loss suffered as a result of the Check 21 Act warranties (again, assuming that recourse is available against the customer). The bank could effectuate this requirement through a modification to its demand-deposit account agreement forms in the case of future accounts or by amendments to the bank’s demand-deposit account agreement in the case of existing accounts. In either case, the bank could require execution of such an agreement (or amendment to an existing agreement) in conjunction with downloading the bank’s mobile app. [25]

Conclusion In conclusion, mobile check deposit technology creates significant risks of loss in the form of duplicate presentment. While some duplicate deposits are customer errors, others involve potentially fraudulent behavior. The proper allocation of the loss from such deposits depends upon the rules and interpretations of the UCC and the Check 21 Act. Currently, there is minimal case law interpreting these rules in mobile deposit cases, and, further, there is a need for a revision of the UCC to account for these advances in technology. Until such time as the UCC is revised, other statutes are enacted, or case law is decided to clarify these issues, banks, employers, and general consumers should be aware of the risks of duplicate presentment when issuing or depositing paper checks.

Notes: [1] Because of funds availability rules, there are often several days between the date of deposit and the date the funds are actually received by the depositary bank. Thus, the customer depositing the check for the second time has access to the funds represented by the check before the check has been honored by the payor bank. Of course, where the second deposit was at a check-cashing store, the funds availability window is not a factor because the check is being cashed, rather than deposited.

[2] A “cash letter” is a group of checks packaged and sent by a bank (i.e., any depositary financial institution) to another bank, clearinghouse, or a Federal Reserve office.  A cash letter is accompanied by a list containing the dollar amount of each check, the total amount of the checks, and the number of checks in the cash letter. “Forward collection” refers to the transfer of a check by a bank to a “payor bank” for payment.  That is, the bank forwards the check to another bank directly or through an intermediary.  For a description of the three basic models used by banks involving electronic forward-collection cash letters, see Stephanie Heller, An Endangered Species: The Increasing Irrelevance of Article 4 of the UCC in an Electronics-Based Payments System , 40 Loy. L.A. L. Rev. 513, 527–28 (2006).

[3] 12 U.S.C. § 5002(15).

[4] Check Clearing for the 21st Century Act, Pub. L. No. 108-100 (2003), codified at 12 U.S.C. § 5001 et seq. (2004). The Check 21 Act is implemented by regulations adopted by the Federal Reserve Board. 12 C.F.R. § 229.1 (2006).

[5] Electronic check presentment reduces expensive air and land courier transport costs as well as costs associated with storage. See Peter J. Mucklestone, The Journey of a Check , Prof. Lawyer, 2006, at 40; see also David B. Humphrey & Robert Hunt, Getting Rid of Paper: Savings from Check 21 10–15 (Research Dep’t, Fed. Reserve Bank of Phila., Working Paper No. 12-12) (estimating that the Federal Reserve reduced its per item check processing costs by over seventy percent (70%) by shifting to electronic presentment).

[6] U.C.C. § 3-104(a) (defining negotiable instrument, in part, as “an unconditional promise or order to pay a fixed amount of money” that is payable to bearer or identified person).

[7] U.C.C. § 3-302(a)(2) defines a “holder in due course” as one who takes an instrument: (i) for value, (ii) in good faith, (iii) without notice that the check is overdue or has been dishonored or that there is an uncured default with respect to payment of another instrument issued as part of the same series, (iv) without notice that the instrument contains an unauthorized signature or has been altered, (v) without notice of any claim to the instrument described in Section 3-306, and (vi) without notice that any party has a defense or claim in recoupment described in Section 3-305(a).

[8] Id. § 3-306.

[9] See id. § 3-305(b) (making certain defenses inapplicable to holder in due course claims).

[10] See id. §§ 3-416, 3-417, 4-207, 4-208. A transfer warranty is given if transferor transfers an instrument for consideration to transferee and if the transfer is by endorsement to all future transferees. Transfer warranties can be enforced against all transferors for consideration by all transferees. Id . at §§ 3-416 and 4-207. When used in relation to an instrument, a presentment warranty refers to an implied promise as to the title and credibility of the instrument (e.g., a promise that the check has not been altered) given to the drawee by the person presenting a draft and receiving payment. Presentment warranties can be enforced against the presenter, all transferors by the payor bank and only the payor bank. Id. at §§ 3-417, 4-208.

[11] The Check 21 warranty against double payment (discussed below) only applies if a substitute check is created and would not apply to double presentment involving the original paper check.

[12] See id. § 3-301 (defining a person entitled to enforce the instrument as the “holder” of an instrument).

[13] Id. § 1-201(b)(21).

[14] See id. § 3-302.

[15] S. Rep. No. 108-79, at 1 (2003).

[16] A substitute check is defined in Section 3(16) of the Check 21 Act as: A paper reproduction of the original check that (A) contains an image of the front and back of the original check; (B) bears a MICR line containing all the information appearing on the MICR line of the original check, except as provided under generally applicable industry standards for substitute checks to facilitate the processing of substitute checks; (C) conforms, in paper stock, dimension, and otherwise, with generally applicable industry standards for substitute checks; and (D) is suitable for automatic processing in the same manner as the original check.

[17] 12 U.S.C. § 5003(b).

[18] 12 C.F.R. § 229.51(c) (2004).

[19] Andrea McGlinn, Check Clearing for the 21st Century Act: The Impact on Consumers , 9 N.C. Banking Inst. 179, 182 (2005).

[20] 12 U.S.C. §§ 5004-5005. In terms of indemnity, the Check 21 Act provides that the reconverting bank and any bank subsequently transferring, presenting, or returning a substitute check must indemnify all involved parties, including the drawer, for any loss incurred due to the receipt of a substitute check rather than the original check. Id . § 5005(a).

[21] Id. § 5004.

[22] The indemnity is “to the extent of any loss incurred… due to the receipt of a substitute check instead of the original check.” Id .

[23] This assumes that recourse is available against the Employee. Many times, in the case of fraud, recourse is limited against the party making the duplicate deposits either due to the employee being terminated, or otherwise.

[24] See, e.g. , Mobile Deposit , Mechanic’s Bank,  https://www.mechanicsbank.com/mechbank  /MBwebsite.nsf/onlineservices/mobiledeposit (last visited July 28, 2014) (requiring “For Mobile Deposit Only” language for endorsement prior to mobile deposit); Mobile Deposit , S&T Bank,  https://www.stbank.com /Content/Personal/Online-Banking/Mobile-Deposit.aspx (last visited July 28, 2014) (same).

[25] Subject to applicable state and federal law, employers (and by extension, banks) might protect themselves by utilizing direct-deposit technology, thus eliminating the need for paper checks.

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• School Education /

Write a Letter to Your Friend Describing Your Experience of a Train Journey: Check Samples and Format

• Updated on  
• Apr 8, 2024

The journey on the train is a memorable and refreshing experience. In schools, students are often asked to write a letter to your friend describing your experience of a train journey. The objective of the letter is to write down their thoughts and feelings on paper with beautiful and creative words.

Table of Contents

• 1 Sample 1: Write a Letter to Your Friend Describing Your Experience of a Train Journey 
• 2 Sample 2: Write a Letter to Your Friend Describing Your Experience of a Train Journey 
• 3 Write a Letter to Your Friend Describing Your Experience of a Train Journey: Check Format 

Also Read: Write a Letter to Your Friend How You Celebrate Holi Festival: Check Samples & Format

Sample 1: Write a Letter to Your Friend Describing Your Experience of a Train Journey 

Also Read: Write a Letter to Your Friend to Play Safe Holi: Check Sample and Format

Sample 2: Write a Letter to Your Friend Describing Your Experience of a Train Journey 

Also Read: Write a Letter to Your Friend Who Helped You When You Were in Trouble: Check Samples

Deepika Joshi

Deepika Joshi is an experienced content writer with expertise in creating educational and informative content. She has a year of experience writing content for speeches, essays, NCERT, study abroad and EdTech SaaS. Her strengths lie in conducting thorough research and ananlysis to provide accurate and up-to-date information to readers. She enjoys staying updated on new skills and knowledge, particulary in education domain. In her free time, she loves to read articles, and blogs with related to her field to further expand her expertise. In personal life, she loves creative writing and aspire to connect with innovative people who have fresh ideas to offer.

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American Banker webinar: The journey of a stolen check: Exposing the fraud ecosystem

During this webinar, we'll discuss:

Traditional and modern methods used for check theft

The growing complexity of the check fraud ecosystem and the four primary players

The lifespan of stolen check data and how it's used as a catalyst for additional types of fraud

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How to deposit a check.

Learning how to deposit a check, like opening a checking account , is an important early step in every financial journey. From making sure your check is valid to ensuring the endorsement is correct, let’s take the mystery out of check deposits — and pick up some handy tips along the way to keep things running smoothly at the teller, ATM or while on your bank’s website or mobile app.

How to prepare a check for deposit

Depositing a check begins with ensuring everything is in order. Here’s a handy checklist to keep in mind when preparing to deposit a check:

• Ensure the check is valid: A valid check is one that comes from the bank where the person who’s making the payment has their account. It should have the name of the person receiving the payment, the date of the payment, and the exact amount that needs to be paid. It should also include the signature of the payer. Any check missing these details will typically be considered invalid. Many checks typically contain a memo section for the payer to specify the intended purpose of the payment, if they choose.
• Confirm the information is accurate: Look at the written and numerical amounts on the check to ensure they match. Should you find any errors or discrepancies, getting in touch with the check issuer before you deposit may help avoid any potential processing problems.
• Endorse the check: As the recipient of a payment, you’ll find a designated space for your signature on the back of the check. Signing here is an endorsement that indicates you've verified the details on the check and are ready to accept payment. Endorsement is typically required to deposit a check. Endorsement requirements may vary from bank to bank, as well as if you’re depositing the check through your bank’s mobile app. You may need to include your account number as well. Be sure to verify with your bank.

Where can I deposit a check?

Nowadays, you typically have a few options for depositing a check. Let’s look at some usual ways to deposit a check and how each one typically works.

How do I deposit a check at a bank?

The traditional way to deposit a check is to visit your local bank branch. After endorsing your check, you can fill out a deposit slip, include the check and hand it to a teller. This method could be especially helpful if you need any assistance or have any questions about the process, as tellers and other banking professionals will be on hand to help.

How do I deposit a check at an ATM?

Many ATMs accept check deposits. Prior to depositing a check at an ATM, be sure to verify that the ATM is in your bank’s network. Depositing a check at an ATM typically involves inserting your debit card, entering your PIN and following the on-screen instructions. The ATM will generally prompt you to insert the check into a designated slot — just make sure to double check that you’ve selected the correct deposit account before submitting. You may want to keep the transaction receipt until the deposit clears in case there are any issues.

How do I deposit a check on a bank’s mobile app?

In today’s digital world, you might even be able to deposit a paper check without leaving the comfort of your home. Many banks offer mobile apps with check deposit services that allow you to deposit a check through your phone or smart device. You’ll generally be prompted to take a clear photo of both the front and back of the endorsed check on your bank’s mobile app. Check with your bank to find out if mobile check deposit services are available.

How do I deposit a check online?

Some banks allow you to deposit checks online through their web portals. To do this, you’ll typically need to capture both sides of the endorsed check with a camera or scanner, choose your desired deposit account and submit your check.

Through the mail

Another option may be to mail the check to your bank. This method requires the extra step of ensuring the check is secure in an envelope and addressed correctly. It also may be a good idea to track the letter if you choose to send it this way and hand it in to the post office personally, as checks may sometimes get lost in the mail. As an additional precaution, many financial institutions advise customers against mailing checks payable to cash.

Learning how to deposit a check is a valuable life skill — you might even say it pays to know how! The process typically involves ensuring the check is valid, confirming its accuracy, endorsing it and choosing a deposit method that suits you. Keep these basic steps in mind and, soon enough, they’re likely to become second nature.

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A Regular Share/Savings Account with a $5.00 minimum balance establishes you as a credit union member. This entitles you to take advantage of ALL the products and services offered by Journey Federal Credit Union and qualifies you to VOTE in all credit union elections.

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This account is geared towards the development of your child's savings habit. The qualifying ages for this account is zero to 18 years of age. There is NO minimum balance fee or service charge on this account, and their dollars start earning dividends once the $5.00 minimum balance is met.

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These accounts are perfect for the something special you are saving up for. There are NO minimum balance requirements and NO monthly service fees to worry about. These sub-accounts are opened under your main account number and will appear right on your regular monthly and/or quarterly statements. Yet the funds are in a separate account making it easy for you to put money aside for a special occasion like a vacation or to pay taxes or for new furniture.

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Put aside money for your retirement with an IRA from Journey Federal Credit Union. You can choose from several IRA options, including Roth and Educational.

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How to Check and Switch Server in AFK Journey

Looking for an easy way to find out which server you are in or how you can switch to a different one? Our guide will help you understand how you can check and change the server in AFK Journey.

In the mystical world of Esperia, players can recruit different heroes, fight formidable opponents in battles, and encounter various challenges on this journey. However, players have been wondering how they can check and change their server in AFK Journey.

The process of identifying and changing your server can be quite complicated, as there is no in-game tutorial that explains how you can access this option. Therefore, to help you simplify this, we will explain how you carry out this process easily within a few steps.

How to Check and Change Server in AFK Journey

Here are all the steps you will have to follow in order to check and change your server in this game –

• Firstly, you will have to click on the three horizontal lines that appear towards the bottom of the main screen.
• From here, look for the Setting (Cog icon) that will be located towards the right side.
• There will be a list of different settings. Select the ‘ Options ‘ tab.
• Now, click on the ‘ Character Switch ‘ option which is present under ‘ Account Service .’
• Here, you will be able to check the server you are using . Additionally, you will also be able to verify the Resonance Level of your current character.
• If you want to change your server, click on ‘ Create New Character ‘ and the list of all the Global Servers will appear, along with the ‘ Recommended Server ‘ as well.
• Select the one you want to continue with this process. It is important to note that this action will trigger the main screen and you will begin with the initial stages of the game, starting with character creation.

Additionally, the characters you have created and leveled up in the previous servers will remain as it is, however, you won’t be able to transfer any characters, materials, items, or rewards to a different server.

You can switch back to your previous server whenever you want to use the character you had created and get back to your game from where you had left off.

This is everything you need to know about checking and changing servers in AFK Journey. Browse through our list of all the working AFK Journey Codes we have mentioned in our guide and check out our Video Game section to know more about this compelling RPG.

Dayne is a music enthusiast and is passionate about writing. She likes decorating her campsite in Animal Crossing and also slaughtering people in Texas Chainsaw Massacre.

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The Journey of a Shoebox

The amazing journey of a simple shoebox gift, begins with you and results in evangelism, discipleship, and multiplication.

From children to seniors, people pack shoebox gifts each year to bless children in need around the world. Parents often use the project to teach their kids about giving. Year-round volunteers support these efforts across the country.

Churches and groups of all sizes collect boxes from their communities. Some churches also serve as drop-off locations for shoeboxes the third week of November every year.

Thousands of volunteers serve annually inspecting and preparing shoeboxes for international shipping. Every hour work stops for a few minutes to pray for the children who will receive the boxes.

Worldwide Distribution

Long before shoeboxes arrive in more than 100 countries, volunteer National Leadership Teams train pastors and community leaders who want to share the message of the Gospel and bless children. The leaders learn how to host child-friendly outreach events, and how to implement The Greatest Journey follow-up discipleship program.

Outreach Events

Pastors around the world host outreach events in places where people may not know Christ and invite them to follow Him. Other churches use the boxes as resources for outreach in orphanages and other at-risk areas. In many places, they also offer The Greatest Gift , a Gospel story booklet Samaritan’s Purse developed for shoebox recipients, and invite children to participate in The Greatest Journey discipleship program.

Discipleship & Multiplication

As a result of what they learn in The Greatest Journey , boys and girls grow in Christ and share with friends and family. The students also invite others to their graduations where the Gospel is shared. This often brings parents, siblings, and friends to accept Christ and become active members in the local church. Families are reached, churches grow, new churches are started, and communities are transformed. Go Deeper ￫

It all starts with you! Join what God’s doing and pack a shoebox.

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1 hr 46 min

EP 298 | Susan Manewich: Life Before Earth - Extraordinary Contact & Government Surveillance Journey to Truth

• Religion & Spirituality

REBELS OF DISCLOSURE CONFERENCE: May 13-16, 2024 Grafton Illinois 🔥 Get your ticket today!🔥 https://www.rebelsofdisclosure.com/ EVERYTHING JOURNEY TO TRUTH HAS TO OFFER IS NOW UNDER ONE ROOF! CHECK OUT OUR NEW WEBSITE!: https://www.journeytotruth.online/ PATREON: Subscribe to our Patreon for Webinars and Bonus Content: https://www.patreon.com/j2tpodcast HOPEWELL FARM CBD: PROMO CODE 'JOURNEYTOTRUTH10' gets you 10% off all cbd products! To Learn More and Purchase Hopewell Farm CBD Products. Crypto payment option now available! CLICK HERE -- https://hopewellfarmtn.com/?wpam_id=1 OMNIA RADIATION BALANCER: To Learn More and Purchase the Omnia Radiation Balancer. Use promo code TRUTH (all caps) for 10% off! CLICK HERE: https://www.omniaradiationbalancer.com/j2truth DONATE: https://www.paypal.com/donate/?business=QX6V8YRVJAY74&no_recurring=0&item_name=Journey+to+Truth+Podcast&currency_code=USD Thank you 🙏 Susan Manewich Substack: https://ietevolve.substack.com/ Susan A. Manewich M.S. is currently the President of New Energy Movement, 501C3 and Director of the Nui Foundation, a community interest company (CIC) in the UK and focuses on conscious leadership for the positive evolution of all life. She has spent 20 plus years in the areas of leadership consulting, emotional intelligence, resonant technology and better understanding human dynamics and social systems to successfully transition through these global changes. Susan currently works to bring ethics, integrity and cohesion to the field of new energy technology. She has experience with the Resonance Project Foundation. She was involved in key organizational strategic initiatives and also led major communication strategies. Some of Susan’s professional accomplishments are in the field of conscious leadership development and Emotional Intelligence where her work has been consistently well praised by her clients around the globe including Harvard Business School, Yale University, University of Chicago GSB, London Business School, Singapore Medical School and many corporate and non profit clients. Susan recently has appeared as a speaker at the 5G Crisis Summit; Awareness and Accountability 2020 & 2019. She has been a featured on a series of interviews with Collective Evolution, 2019 regarding consciousness and technology. Appeared at emotional intelligence conferences in London and Toronto, and at the ESTC (Energy Science and Technology Conference) in Hayden, Idaho July 2018 and July 2017. She spoke at the Tesla Science Foundation in NYC January 2017 and the Leadership Series in Encinitas, California. Susan serves as an advisor for TPS (Tipping Point System), a research advisor for CCRI (Consciousness and Contact Research Institute) as well as an advisor for ICF (Interstellar Community Foundation). She has recently co-authored the book Hidden Energy with Jeane Manning, 2019 and has contributed a research chapter with colleague Jon Klimo PhD to the book The Science of Consciousness and Contact with Non Human Intelligence, July 2018. She has also published work as a lead author on a contribution to “Applying Emotional Intelligence”, lead developer and author of a series of activities, reflections and exercises titled, “Teaching Emotional Intelligence Skills to Others” and a co-author of a chapter in “Emotional Intelligence in Everyday Life.” Susan also contributed to a chapter titled “The Earth as Goddess” in “The Mystery of Woman” by Gabrielle Morris. Susan grew up in Massachusetts and was a participant with the PEER (Program for Extraordinary Experience Research) group in Cambridge, Massachusetts under John E. Mack M.D. Susan’s passion is working with new consciousness, global strategies and emerging technologies to help groups and organizations bridge gaps in conversations and understandings to be able to work together effectively through this global change. Website links www.newenergymovement.org www.hiddenenergy.org www

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Can I Bring a Stroller on a Plane? Your Ultimate Guide to Flying with Baby Gear

Are you planning to fly with your little one and wondering, "Can I bring a stroller on a plane?"

• Airlines are required by the FAA to allow strollers on planes or gate-check them, with some size and weight restrictions
• Check with your airline for specific guidelines
• 75% of parents bring strollers when flying with their baby or young child
• Choose a lightweight, compact stroller for easier air travel
• Gate-checking strollers help avoid damage and provides convenience

Know the Rules: FAA Regulations and Airline Policies

According to the Federal Aviation Administration (FAA), airlines are required to allow strollers to be checked at the gate or carried on the plane, as long as they meet the size and weight restrictions. However, airlines may have their own guidelines, so it's important to check beforehand. As Samantha Brown, Travel Expert, advises, " Traveling with a stroller can be a lifesaver for parents, but it's important to check with your airline beforehand to ensure you're following their specific guidelines. "

Picking the Perfect Plane-Friendly Stroller

In a survey conducted by BabyCenter, 75% of parents said they brought a stroller on a plane when traveling with their baby or young child. To make your journey easier, opt for a lightweight, compact stroller that meets airline requirements. Many brands offer travel-friendly options that fold down small enough to fit in overhead bins or under the seat in front of you.

To Carry On or Gate-Check? That Is the Question!

When it comes to bringing your stroller on board, you have two options: carrying it on the plane or gate-checking it. Carrying it on can be convenient if your stroller meets the size restrictions and your airline allows it. However, if you prefer to gate-check your stroller, be sure to bring a durable travel to protect it from potential damage during the flight.

The Advantages of Gate-Checking Your Stroller

Gate-checking your stroller has several benefits:

• Avoids the risk of damage during baggage handling
• Provides easy access to your stroller upon arrival
• Frees up space in the cabin, making for a more comfortable flight

Insider Tips for a Stress-Free Stroller Experience

As a travel journalist and parent, I've learned a few tricks to make flying with a stroller more manageable:

• Arrive early: Give yourself plenty of time to navigate security and check your stroller if needed.
• Document the condition of your stroller: Take photos before your flight to have proof of its condition in case of damage.
• Use stroller accessories: Invest in a travel bag, rain cover, and other stroller accessories to make your journey more convenient.
• Practice folding and unfolding: Become familiar with your stroller's folding mechanism to save time and avoid frustration at the airport.
• Consider a stroller rental: If you're unsure about bringing your own stroller, explore stroller rental options at your destination.

Additional Tips for a Smooth Flight with Your Stroller

Here are some more tips to ensure a hassle-free flight with your stroller:

• Check stroller weight limits: Airlines may have weight restrictions for strollers. Make sure your stroller complies with these limits to avoid any issues at the airport.
• Label your stroller: Attach a luggage tag with your name, address, and phone number to your stroller. This helps airport staff identify your stroller in case it gets misplaced.
• Keep essentials handy: If you plan to gate-check your stroller, pack a small carry-on bag with essentials like diapers, wipes, and snacks, as you won't have access to your stroller during the flight.
• Be courteous to fellow passengers: When boarding or deplaning, try to be mindful of other passengers by folding and stowing your stroller as efficiently as possible.

Understanding International Travel Regulations

If you're traveling internationally, be aware that stroller regulations may vary depending on the destination. Research the specific regulations for the country you're visiting to ensure a smooth journey. Also, consider any additional requirements, such as car seat compatibility or the use of public transportation, when choosing a stroller for international travel.

Traveling with a Stroller: Success Stories

Many parents have successfully traveled with their strollers, making family vacations more enjoyable and less stressful. One mom shared her experience: "I was nervous about flying with my stroller, but it turned out to be a lifesaver. I gate-checked my stroller, and it was waiting for me when I landed. It made navigating the airport and my destination so much easier."

Another parent said, "I invested in a compact travel stroller, and it made all the difference. It was easy to fold and fit in the overhead bin, so I didn't have to worry about it getting damaged."

Frequently Asked Questions

What type of stroller is best for air travel?

 A lightweight, compact, and easily foldable stroller is ideal for air travel. Many brands offer travel-friendly options that meet airline requirements.

Can I bring a stroller and car seat on a plane?

Yes, you can usually bring both a stroller and a car seat on a plane. Check with your airline for specific guidelines and restrictions.

Do airlines charge for strollers?

Most airlines do not charge for checking a stroller, either as checked baggage or at the gate. However, it's essential to confirm with your airline before your flight.

How do I protect my stroller when flying?

Use a durable travel bag to protect your stroller from potential damage during the flight. You can also take photos of your stroller before your flight to have proof of its condition in case of damage.

Can I use my stroller at the airport?

Yes, you can use your stroller in the airport until you reach the boarding gate. At the gate, you can either carry it on the plane or gate-check it, depending on your airline's guidelines and your stroller's size.

Final Thoughts

Ultimately, the key to a successful flight with a stroller is preparation and research. By understanding the rules and regulations, choosing the right stroller, and following our insider tips, you'll be well-equipped for a stress-free journey with your little one. So pack up that stroller and get ready to create unforgettable family memories!

• Federal Aviation Administration (FAA). (n.d.). Traveling with Children . 
• BabyCenter. (n.d.). Survey Results: Traveling with a Baby or Toddler . 
• Samantha Brown. (n.d.). Travel Expert .

From Second Team IMG Academy to NPOY: Edey’s Long Journey

One of the staples of Purdue’s offense is the pick and roll. The Boilermakers have had a lot of success with Zach Edey screening at the top of the key, then crashing down behind Braden Smith as he drives the lane. Smith tossing the ball up for a thunderous dunk has become a delicate ballet that brings the Purdue crowd to its feat with Carson Tucker bellowing “ZACH! EEEEEEEDEY” as the team hustles back up the floor.

That choreography is a long way from Edey’s first days in basketball according to Brian Nash, the Director of Basketball at the prestigious IMG Academy in Florida.

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Credit Cards

Why I applied for the new Wells Fargo Autograph Journey℠ Visa® Card

Jason Steele

Allie Johnson

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Published 10:32 a.m. UTC April 8, 2024

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MassimoVernicesole, Getty Images

I love earning travel rewards. For me, the only thing better than taking a great vacation is doing so for free, or very close to it. And as any award travel junkie will tell you, the best kind of rewards don’t come from a single airline or hotel program, they’re flexible points you can transfer to multiple airlines or hotel programs. There are only a handful of credit card issuers that offer these kinds of rewards, and Wells Fargo just joined this exclusive club with its new Wells Fargo Autograph Journey℠ Visa® Card * The information for the Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . When I first heard the details, I decided to apply as soon as the card became available. Here’s why:

Strong rewards for spending

This card offers 60,000 points after spending $4,000 in purchases in the first three months of account opening. That’s decent, but not earth-shattering. What does move the needle is how many rewards points you can earn from your spending. This card features 5 points per $1 on hotels, 4 points per $1 on airlines, 3 points per $1 on other travel and dining and 1 point per $1 on other purchases. For a frequent traveler like myself, this card has serious potential.

Compelling transfer partners, and the promise of more

Cardholders can transfer their Wells Fargo Rewards points to the following airline and hotel programs, most at a 1:1 ratio:

• Choice Privileges (1:2 ratio)
• Air France-KLM Flying Blue
• Avianca Lifemiles
• British Airways Executive Club
• Aer Lingus AerClub
• Iberia Plus

While this is a modest list, Wells Fargo has indicated that more partners will be added throughout the year. But even now, Wells Fargo Rewards points are extremely valuable. For example, you can transfer points to the Choice Privileges program of Choice Hotels at a 1:2 ratio. That means that 10,000 Wells Fargo Rewards points will turn into 20,000 Choice points, which can be a great deal, especially at their high-end hotels in the U.S. and their hotels in Europe. 

You can also transfer your card earnings to Avianca Lifemiles, which can be redeemed on flights operated by the airline’s Star Alliance partners such as United, Air Canada, Lufthansa, Swiss and Turkish Airlines. Likewise, the Flying Blue program is great for awards on SkyTeam airlines such as Air France, KLM, Delta Air Lines, Virgin Atlantic and others. And the British Airways Executive Club offers strong value for awards on their Oneworld partners such as American Airlines, Alaska Airlines and Japan Airlines (JAL). 

Earning travel rewards is a long game, and by the time I’ve earned enough rewards for a big redemption, I’m hopeful that Wells Fargo might add some additional, valuable transfer partners. 

Low annual fee 

This card has an annual fee of just $95, which is common among cards of this type, such as the Chase Sapphire Preferred® Card , Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. and the Citi Premier® Card * The information for the Citi Premier® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . However, the Wells Fargo Autograph Journey card also comes with a $50 annual statement credit with a $50 minimum airline purchase. You don’t have to purchase the flights from Wells Fargo’s travel agency — any airline should work. For me, that brings the net yearly cost down to just $45, which is very low for a card with these features. 

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Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Final verdict

I write about credit cards for a living, but I can’t rush out and apply for every new credit card on the market. However, the value proposition for the new Wells Fargo Autograph Journey card is strong enough to make even this veteran credit card journalist take a chance at submitting an application. Thankfully, I was immediately approved, and I’m looking forward to using this card and taking some fun trips with the rewards.

*The information for the Capital One Venture Rewards Credit Card, Citi Premier® Card and Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jason Steele is a freelance writer specializing in credit cards and award travel. Since 2008, Jason's work has appeared in over 100 outlets and he's been widely quoted in the mainstream media. Jason also produces CardCon, which is The Conference for Credit Card Media.

Allie is a journalist with a passion for money tips and advice. She's been writing about personal finance since the Great Recession for online publications such as Bankrate, CreditCards.com, MyWalletJoy and ValuePenguin. She's also written personal finance content for Discover, First Horizon Bank, The Hartford, Travelers and Synovus.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Innovation Hub at Research Park

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Igniting Innovation: Meet the Next Wave of Startups in the Texas Tech Accelerator Program

Kathryn Dankesreiter, Assistant Director of Public Relations

April 8, 2024

The Texas Tech Innovation Hub awards $350,000 to 14 West Texas startups!

On Friday, April 5th, the energy at Buddy Holly Hall was palpable as over 175 attendees gathered in anticipation for the grand finale of the 2024-2025 Texas Tech Accelerator Competition. The event, hosted by the Innovation Hub, showcased the culmination of hard work, innovation, and entrepreneurial spirit as the winners were announced.

The competition, which began months ago with a pool of talented participants, narrowed down to 19 exceptional finalists, each vying for a coveted spot in the year-long Accelerator Program and a $25,000 grant to fuel their innovative ventures. 

14 startup teams were chosen for the 2024-2025 Accelerator Cohort. This is the largest cohort to date for the Innovation Hub. In addition to the $25,000 grants sponsored by the Lubbock Economic Development Alliance (LEDA), the startups will receive access to coworking space within the Innovation Hub, a dedicated team of iTTU Mentors, and connections within the Hub's network of industry experts, venture capitalists, and investors.

Carolyn Rowley, Director of Business Retention and Innovation with the Lubbock Economic Development Alliance, expressed their enthusiasm, stating, "The Texas Tech Accelerator Competition is a testament to the innovative spirit and talent present in our community. We are thrilled to support these visionary entrepreneurs as they embark on their journey towards success and make a lasting impact on their respective industries."

This year, the Innovation Hub announced the addition of the Industry Advancement Technology (iAT) Accelerator track. The track supports 5 of the 14 startups that are developing and launching AI, machine learning, and advanced manufacturing technologies. The new track, which is funded by Texas Tech alumni, builds upon LEDA's generous support by offering additional opportunities to West Texas entrepreneurs.

“This cohort marks a historic milestone as our largest group of startup teams yet! The invaluable support from LEDA and our dedicated alumni has been instrumental in achieving this success," states Taysha Williams, the Managing Director of the Innovation Hub. "It stands as a testament to the vibrant and thriving ecosystem here in West Texas!"

Texas Tech Accelerator Eighth Cohort

AEOLUS Analytics | Anthony Masias, Community Entrepreneur

AEOLUS Analytics specializes in producing radar-based, date and address/location specific historical wind reports.

BarnBook | Alyssa Bouren, Texas Tech Rawls College of Business Administration (Energy Commerce) Student

Barn Book is an extensive record keeping app for show stock.

ElevatED Insights | Jessica Gottlieb, Ph.D., Texas Tech College of Education Faculty

ElevatED Insights combines cutting-edge technology and extensive domain knowledge to transform raw data into actionable intelligence for education stakeholders. 

LocShark | Armani Williams, Community Entrepreneur

LocShark is an innovative technology company that provides patented anti-theft cases/devices to enterprises/customers nationwide to enjoy the peace of mind, security, and protection when it comes to locating their lost or stolen assets.

Medical Information Simulations | Tammy Carter, Ph.D., Texas Tech Health Sciences Center, Medical Laboratory Sciences and Molecular Pathology Faculty

Medical Information Simulations is developing a web application LIS simulator to provide career readiness and improve training for medical laboratory scientists in the area of laboratory information technology.

MelodiaSync | Jessica Blume, Texas Tech Health Sciences Center, Office of Global Health Staff

MelodiaSync is an innovative software that facilitates relaxation by providing real-time, personalized beat responses while listening to audio.

MTDS Solutions | Michelle Coffey, Texas Tech University Alumni

MTDS Solutions is an automated kiosk that patients can use to access a range of laboratory tests and results for patients' different health solutions. 

RARE Lighting Systems | Jacob Breeden, Community Entrepreneur

The Rare Lighting System seamlessly combines designer lighting fixtures with advanced UVGI technology, offering elegant illumination while actively sanitizing spaces; a dual-purpose solution poised for performance, residential, commercial, and healthcare markets.

SoulDeo Naturals, LLC | Susie Penner, Community Entrepreneur

SoulDEO Naturals are making natural products the norm, not the alternative.

iAT Accelerator Track Teams

Burn Length of Stay | Jordan Kassab, Texas Tech Health Sciences Center, School of Medicine Student (M.D. Candidate)

Burn Length of Stay seeks to revolutionize healthcare predictions utilizing machine learning technologies to predict hospital length of stay and prognosis to benefit physicians, patients, hospital administrators, and insurance companies.

Cardio Intelligent Systems | Dongping Du, Ph.D., Texas Tech Whitacre College of Engineering, IMSE Faculty

Cardio Intelligent Systems offers AI solutions to accelerate the healthcare industry's transition to preventive and value-based care.

MobilityZ Health | Sucheshna Patil, Texas Tech University Alumni

MobilityZ Health is a web-based platform designed for orthopedic specialists and primary care physicians to remotely screen, diagnose, and monitor patients with musculoskeletal (MSK) injuries using our proprietary software supporting decision-making with telehealth software and automated screening tests.

Moveris | Justin Keene, Texas Tech College of Media & Communication, Journalism & Creative Media Industries Faculty

Moveris fills a gap in advertising research resources to help brands and agencies understand how customers are relating to their messaging.

Neopurpose Therapeautics, Inc. | Shreyas Gaikwad, Texas Tech Health Sciences Center, School of Biomedical Sciences Graduate Student

Neopurpose Therapeutics manufactures bioprinted tumor-on-chips which can be used for testing safety and efficacy of potential anti-cancer drugs.

tags: Entrepreneurship , Hub Hustle , Innovation Hub , Institute for Small Business , LEDA , Mentors , Office of Research & Innovation , Office of Research Commercialization , Research , Social Entrepreneurship , Student Innovation , Texas Tech University , Texas Tech University Health Sciences Center , Texas Tech University Small Business Development Center , commercialization , iTTU Mentor , startups

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Dragon Dogma 2’s cursed endgame is nothing but dessert

Is easy fast travel worth the apocalypse?

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Dragon’s Dogma 2 is about the journey, not the destination. It’s about exploring routes you’ve never taken before, camping in the wilderness, and having an unexpected run in with a Minotaur. Quests objectives are also left intentionally vague, forcing you to puzzle things out and speak to as many people as you can. If you could just easily fast travel to obvious quest markers you could certainly check them off your list more efficiently, but then you’d miss out entirely on the adventure of getting there.

[ Ed. note: This post contains spoilers for the Dragon’s Dogma 2 endgame.]

Then, you beat the game and the credits roll. However, if you don’t like that “ending” you can start the apocalypse instead. The sky turns an ugly crimson; the oceans dry up; the dead rise from their ancient graves. It’s rough out there.

Your goals then become much simpler in this Unmoored World . Just go to four points on the map and do two things:

• Defeat a boss monster
• Help any nearby townsfolk evacuate to a central city

To make this task easier, the game tweaks or outright removes a bunch of its mechanical friction. More fast travel hubs called portcrystals appear on the map, making it much easier to just fast travel to each quest marker. This wouldn’t have mattered much earlier in the game since you need to use up a rare ferrystone each time you fast travel, but now, monsters drop this item regularly. With all the lakes, rivers, and oceans dried up, you aren’t forced to take out-of-the-way bridges to reach your destination, either.

As you rescue each town, you also begin to assemble a central hub town that makes optimizing your gear much easier. All four blacksmith types eventually reside there, along with the duplicator and the Dragonforged. Instead of running all around the map to craft the best weapons, everybody you need is a few efficient steps away. It’s also much easier to get the best enhancement materials since high level monsters start prowling everywhere, especially in the dried up oceans.

I didn’t actually go to the Unmoored World right away. Instead, I started a new game plus after defeating the Dragon so I could experience some of the quests I’d missed from earlier in the game and level up more of my vocations. So after weeks of playing the game and absorbing complaints about its fast travel and “game-breaking” microtransactions , the Unmoored World’s design choices almost felt like a response. Here’s everything you were screaming for: easy fast travel, an efficient hub world, and no-nonsense quest design!

This tracks with the game’s narrative too. You’ve broken all the rules to get to this place, so the game’s rules are broken too. You’ve taken on god(?) and ushered in a new, albeit broken, world where the game doesn’t get in your way of completing your tasks and doing what you want.

But once you finish the simple objectives in front of you and there’s nothing left to do, eating all of this dessert gets boring. You aren’t really seeing the countryside anymore – just blinking from portcrystal to portcrystal. You’ll quickly tire of returning the undead to their graves since they never stop rising from the ground. You can’t even enjoy camping with your pawns anymore because of the aforementioned undead and also because time is itself a crucial resource as you rush to rescue everyone while resting as little as possible. Eventually, the day/night cycle blurs into one unending twilight and you can’t rest at all anymore as time figuratively stops.

You can play this way as long as you’ve got wakestones to heal yourself, farming high level monsters to enhance your gear, but it eventually feels hollow without any of Dragon Dogma’s 2 weird charms . It’s fun to revel in the excesses of the late game but it also puts into sharp relief why the developers made the decisions they did about fast travel and quest design. When you finally tire of this broken but very efficient world, you can end the apocalypse by starting a new game plus, more ready than ever to just enjoy the journey.

The next level of puzzles.

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