There are hundreds of images available for personalizing your bank check. However, there are also different types of checks in general. Duplicate checks can be good because they leave behind a carbon copy of the checks that you have written. Side tear checks are easy to rip out. Top stub checks, however, might be the best for record keeping.

So what are top stub checks? They are checks that contain stubs at the top that provide you with an area to write out your current balance and how much you are writing out your check for. They are very useful, although sometimes difficult to come by.

Even though top stub checks occasionally do not have as many image options as other types of checks, popular images, such as Disney and favorite television programs, are always represented.

The good thing about the top stub checks is that they have a couple of different places to write in. You are able to keep track of your previous balance, current balance, and your current transaction. They also generally come with a space for you to record the date of the current check, as well as to whom it is being written to.

Top stub checks can also cut down on paperwork because you basically keep records of our transactions as you go along. You are able to see your balance even before your write out your next check. This eliminates the need to flip to back of the checkbook to see how much money you have.

You can also eliminate the need for duplicate checks. Although duplicate checks are good because they leave behind a copy of each check, they can also make your checkbook cluttered and messy. The stubs left behind on top stub checks are small and prevent this clutter from occurring.

Another great thing about top stub checks is that some have a box for you to check if your check is going to be for a tax-deductible item. If you itemize your taxes at the end of the year, this can be good for record keeping.

Even if you are not a financial wizard, it is incredibly easy to use top stub checks in a way that can make your financial records more accurate. The key is to be consistent and to write down and record each purchase, and your balance, as you go along.

You can also purchase checkbook covers for your checks, as well as checkbook calculators that can help you in reconciling your finances. Some come small enough that they actually fit into your checkbook cover.

Some people claim that the top stub checks are more difficult to rip off from the checkbook, so extra diligence might have to be taken in removing them. Still, their convenience might just be worth the extra second it takes to be cautious.

Ordering top stub checks from your local bank can be pricey-if they carry them at all. Instead, if you want to save money, try ordering them online. Buying them in bulk will save you even more money. There are many websites that carry top stub checks, and they can save you as much as 50% off of what you would pay at your bank. They also arrived in about 5 days, which might even be quicker than what your bank would get them to you at.
 

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