mail order checks

What makes up a check and where should you look to find reasonable but safe ones? A personal check is what most of us are familiar with. A check, personal or otherwise, has to be imaged on a specific weight paper, be within certain height and width parameters, contain a MICR printed or imaged field and meet a whole bunch of other requirements specified in a new law Congress passed called "The Check 21 Act". That law is a few pounds of paper seemingly designed to take the place of sleeping pills. If you crave a boring hour or two, it's recommended reading. Otherwise, the meat of it designates the things mentioned above plus specifies how banks and other financial institutions should handle and process your check. The big change is that you will no longer have a cancelled check returned to you. Instead your check will be scanned and a reduced image will come back with your bank statement. The processing requirements of the law will reduce the "float" you used to get when you could mail off a check for payment of a bill and run down to the bank a few days later to deposit enough money to cover it. Doing that now is going to get you wacked with a lot of overdraft fees. Where to look for a reasonable check? Try www.CheckChecks.com where they specialize in business checks but have a link for personal checks that will save you time and money.

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