What are initial checks?

Whenever a new bank customer opens a new checking account, they often receive a small gift of generic checks, commonly known as initial checks . These checks rarely contain personal customer information, but will contain all current account routing information required for processing. The new account holder may need to fill in the normally printed areas with their personal address, phone number, driver's license number and other identifiers.

The bank considers initial checks to be negotiable instruments, similar to the personalized paper checks that customers request later. But many recipients may be wary of accepting them as payment, especially if the check number is less than a certain amount, usually 300. As a checking account may be very new and the customer may not have started regular banking practices, there is risk that the check presented may be returned due to insufficient funds. Some merchants have specific policies not to accept such checks from unknown customers.

However, this reluctance to accept certain initial checks doesn't mean the new account owner is out of luck. Many people mainly use them for regular payments like utility bills, rent and loans. Companies that regularly receive a significant number of checks are generally less concerned about bounced checks of this type due to insufficient funds.

Once the supply is exhausted, the customer can order personalized checks containing all essential routing and personal contact information. Some initial checks do not even have pre-printed check numbers, so the user must be especially careful to write and record them in order. New checks printed must have sequential check numbers, but there may be a gap between the last initial check number and the first check printed.

Initial checks can still have that "new car smell" to account holders, but it's usually best to just pay late bills and wait a few weeks for a new packet of checks to arrive before paying other things. by check.

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