Using and Understanding Your Check Register
 
Your check register is a tool that will help you know how much money is in your account at all times.  Each time you make a deposit to your account, write a check, use your debit or ATM card, you should record the information in your check register.
 
1 2 3 4 5 6 7
TRANS TYPE
OR
CHECK NO.		 DATE DESCRIPTION OF TRANSACTION PAYMENT/
DEBIT
(-)		 FEE
(IF ANY)
(-)()		 DEPOSIT/
CREDIT
(+)		 BALANCE
$200 13
1001
10/13/06
  Payroll deposit       682   12 +682   12
                +882   25
 
10/24/06
  Corner Market 36   18       -36   18
                846   07
 
10/26/06
  First Bank - ATM 30   00       -30   00
                816   07
 
10/28/06
  Credit Union - ATM 25   00       -25   00
                791   07
 
10/28/06
  Fee - Credit Union ATM 1   75
    -1   75
                789   32
 
10/31/06
  Payroll deposit       682   12 +682   12
                1,471   44
                   
 
1

Trans Type or Check No. – record the check number you wrote.
2 Date – record the date you made a deposit, wrote a check, made a withdrawal or were charged a service fee.
3 Description of Transaction – record items such as who you wrote the check to, reason for the deposit, or the location of the withdrawal (such as ATM or debit card purchase).
4 Payment/Debit (-) – record amounts being deducted from your account, such as checks written, ATM withdrawals, or debit card transactions.
5 Fee – check this field for any fees charged, such as monthly maintenance fee or an ATM fee.
6 Deposit/Credit (+) – record amounts being added to your account, such as deposits or credits.
7 Balance – add and subtract deposits and payments to your account.