Checking accounts (known as current accounts in many countries) allow you to deposit money and pay for goods using a debit card or by writing checks.  The most convenient way to pay for items is with a debit card because this eliminates the need to carry large amounts of cash.  You may obtain a debit card through any bank in the U.S. by opening a checking account and selecting a secret pin code to access the card.  These debit/check cards often have a Visa or MasterCard logo on the front.


Another option to pay for goods or services is to write “checks”.  Personalized checks have your name and address on them.  These are the steps involved in writing a check:

1)      Write the date you are issuing the check in the upper right hand corner.

2)      Write the name of the person or business to which you are making the payment. 

3)      Write the amount in numerals in the box on the right.  Be careful to place the number right next to the dollar sign so extra numbers cannot be added.  Mark any decimal points carefully.

4)      On the line, which runs across the middle of the check, spell out the number of dollars, and write the number of cents as a fraction (50/100 means fifty cents).  Draw a line from the fraction to the word “dollars.”

5)      Sign your name on the line on the lower right hand corner.

6)      Note the purpose of the check on the line labeled, “memo.”

7)      Record the transaction in your checkbook.  Include the check number, person or business for whom the check was written, and the amount of the check (in the column labeled “debit”).


When you deposit money check online that the deposit as been credited to your account. It is very important to keep track of the money in your account.  If you “overdraw” your account, your bank will charge you fee and your purchase will not be processed or the payee will also charge your bank account a fee.