New College Students and Checkbooks - A thng of the past???

My husband is the one who physically pays the bills, so looking through my checkbook, most of them went for things the kids needed, like: yearbook, team shirts, musical dvd, marching band shoes, show shirts, etc. When my youngest left for college last year, my check writing dropped drastically. My girls, however, needed checks for things similar to what I was using them for when they were home. Department sweatshirt, club dues, conducting baton because the professor did not want to deal with large amounts of cash from everyone paying that way, ballet shoes because the vendor coming to class did not take credit cards and my daughter was not comfortable carrying so much cash on her. Many places don’t take starter checks (those without the name and address pre-printed) without a lot of hassle. It was easier to just place an order through checks in the mail. It was $4.99 for 125 checks. She may never go through that many, but at least she has them.

Our kids both still have checks with our address on them, tho they live 2500 and 5000 miles away. None of the financial unstitutulions seem to care AT ALL! They still have their original batches of checks from the credit union and Schwab.

@Cameron121 - 28 years in bank risk and compliance, I couldn’t help myself! :slight_smile:

I have a joint checking account with my son at a credit union. I wrote myself a check (from my own individual account at a different bank) and tried to make a mobile deposit of that check to that credit union account. Deposit would not go through. Turns out I could not make the mobile deposit because my son is the primary account holder. Basically, the check was made payable to me, but the system thinks the account is “his” even though I’m in the account. Maybe this was also the problem above?

My solution was to open my own individual account at that credit union. I can make deposits to that account, and transfer funds to the joint account. Problem solved.

“Turns out I could not make the mobile deposit because my son is the primary account holder. Basically, the check was made payable to me, but the system thinks the account is “his” even though I’m in the account. Maybe this was also the problem above?”

That’s very, very possible since H is the primary account holder. Son’s account was opened when he was in high school and could only have a junior account. I cannot even directly transfer money to his account - I have to transfer it back to H’s account and then to S’s account.

My daughter, a junior, still uses a checking account, mostly with a debit card, but she does have to write several checks per year. Of course, this same daughter also writes letters with a quill pen and seals them with wax, so maybe your mileage will vary.