But, have you heard of a “bank error.” Yes, human error is possible in banking. Banks operate financial systems that manage millions of transactions and they are governed by strict regulations. I’d like to focus on two of those reasons: Accountability and Budgeting.Īccountability ( refers to this as “Control”) means knowing that all your money is being accounted for correctly. The popular personal finance website,, gives four reasons to keep a physical check book register. So, why download a personal checkbook register template? Even though the check book might be vanishing, we still need to track the money that enters and leaves our accounts. Services such as automatic bill pay, online bank transfers, credit cards, debit cards, and instant payment methods (requiring only your cell phone) have almost replaced the need for checks. As easy as this is, I’m sure there are plenty of checking account owners today that have never “written” a check. And if I don’t want to take the time to go to the bank, a quick online search of “check template” results in several sites that offer a blank check template or software.
Either as a cashier’s check (at a cost) or as a blank check with the bank’s information, my account number, and any check number I would like printed on it.
In the rare case that I do need a physical check (twice in the last two years), my bank is more than willing to print one. Like most people I know, I don’t even own any physical checks for my “checking” accounts. The days of writing checks are gone – or at least going fast.
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