Duplicate Checks, Explained | Chase (2024)

FAQs

What is the point of duplicate checks? ›

In summary. A duplicate check is a copy of a standard check. It has the same check number and other information as the original and is usually made through a carbon paper insert fitted into a special checkbook. Duplicate checks are commonly used for record-keeping and account reconciliation.

Single, 80 duplicate checks per box, includes a check register, measures 2-3/4" x 6". Duplicate checks produce a copy of the check for easy record keeping.

Duplicate Checking is a host-based feature that can be turned on or off per transaction. It provides a means to identify duplicate transactions by the following parameters: Same Card Number. Same Transaction Amount. Specific Transaction Category (Sale, Return, etc.)

After you write the check, you only tear out the check, leaving the duplicate sheet attached to your checkbook. This way, you always have a copy on-hand for easy reference. You're left with a record of everything you wrote on the check, including the payee, amount, date, and any memo you may have included.

While many banks have moved to digital formats for canceled checks, if you have physical copies or reprints from your bank, shred them. They contain a lot of personally identifiable information that could put you at risk. Stop those canceled checks from posing a risk by having them shredded.

Duplicate checks are often used by business owners and others who frequently write checks and want to keep meticulous records. They offer an efficient way to maintain records. In turn, this can be helpful for managing your budget, tracking tax-deductible spending, or disputing a transaction.

Banks can verify checks by checking the funds of the account it was sent from. It's worth noting that a bank will not verify your check before it processes it, meaning you may face fees for trying to cash a bad check. The bank checks if there are funds in the account, and if not, the check bounces.

You are right that banks are generally responsible for double presentment. The Check 21 Act, which is a federal law that governs the processing of checks, states that "the bank that presents a check for payment is responsible for any losses that result from the check being presented more than once."

The easiest and most efficient way to get rid of your checks is to shred them. If you have a motorized shredder at home, you can easily shred many checks at once. Some banks or local businesses also offer shredding services if you don't have one handy.

Is it cheaper to order checks online or at the bank? ›

Ordering checks from the bank can be expensive; some banks may charge $30 or more for a set of checks. Meanwhile, getting your checks online from a third party is often a much cheaper alternative. Plus, there are generally more options for customizing checks when you order them online.

Companies that sell personal checks

A quick survey of prices that non-banks charge for standard blue checks finds that you'll likely pay between 4 and 25 cents for single checks. Likewise, you'll pay between around 6 and 30 cents for duplicate checks.

A duplicate account is an account for a service controlled by a person in addition to their primary account. Some are for legitimate purposes, like replacing inaccessible accounts or separating a person's private and public lives.

It's a good idea to go through your checks once a year and to keep those related to your taxes, business expenses, home improvements and mortgage payments. You can shred the others that have no long-term importance. If you bank online, of course, you can simply print out the statements you might need down the road.

Get in touch with your bank ASAP; they can reverse the check, and if they can't they will put a hold on your account for only the amount of that check instead of your full balance. It's better that the penalty for cashing a check twice hold is placed proactively from you bringing it up rather than you waiting.