I have two checking accounts, one in north carolina and one here in illinois. my one in n. carolina shows the items really fast and the one here is sllloowww. did I mention slow??? That is why I have decided to go with a written check book. I figure I can keep track of that and then balance against the bank as things clear. For example, I wrote a check on monday to a local business. I also mailed a check monday for a cc payment (must get that thing paid off!!!) the check for the cc has already cleared!!!! the check to the local water department? Nope. and I live in a town of about 1000 people. It is really small. I don't understand that. One thing that clinched my decision to run a manual checkbook is when I wrote a check to the secretary of state for tax on my vehicle and it took over 30 days to clear. I forgot about the check, you know how that goes. so when it did clear I was just glad there was still money in the account. so now I will write everything down and hope that helps. One thing I also do now that I used to do years ago when I kept a manual checkbook was to write the check for the amount in the first column but when I deducted it I rounded to the next dollar. I used to be able to save an extra 500 a year doing that. It is amazing how often one will use their debit cards. You don't even realize it till something like that builds up. This might also help to keep a surpluss in the account so you aren't surprised by anything you might forget.
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