How A Check Is Processed

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Checks are written everyday at almost every place of business. At age 18 anyone with the adequate amount of money can open a checking account of their own. One aspect of checking account functions that many account owners are not familiar with is the processing of their checks after they have been written. When grocery shopping at a place such as Winn Dixie the customer many times thinks to his or herself whether he or she should pay cash, charge it, or pay for the purchase with a check. He or she may ponder this question in their mind all the way to the check out counter. When the customer makes the decision to pay for the merchandise with a check, a long process is started. This process begins when the check is handed over to the cashier. Once all information has been properly placed on the check the cashier then will normally ask for two things, a home phone number and a drivers license number. Once all of the necessary information has been placed on the check by both the cashier and the customer the check is scanned in the automatic check reader. This check reader recognizes the customers account number, A.B.A. number (or routing number), as well as the check number. The computer system can the recognize the specific account and check to make sure that there are no returned checks on that account. Once the checked is approved, it is then printed or endorsed on the back with all proper information for Winn Dixie deposits, including the amount of the purchase, cash back received (if applicable), store location number, date, time, cashier number, and the customer’s account number. The cashier then stores the check in a locked box until it is time for them to go home. All checks are then added together to make sure none are missing and to make sure the cashier put all checks in for the correct amount. All checks received in the office at the end of the day are totaled together and deposited into Winn Dixie’s bank account. When the person responsible goes to the bank and makes the deposit for the business, he or she hands a large number of checks to the bank teller. The teller will then verify the amount of the deposit to the total amount of the checks. After the deposit has been verified and all numbers are correct, the teller will then run the checks through the proof machine to be verified again.

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