does anyone know if i can purchase things and pay bills with checks that start with number 101?

Question

I just opened a new account with wellls fargo because they're convenient......not like my credit union which is far from my house because i moved..........the checks that i have with my credit union starts in the 2000s........so now that i opened a new account at a bank, i wonder if the starter checks are acceptable?

Answer 1

Yes you may pay bills and purchase things with checks with number 101. It is easier to pay your bills with check 101 than it is to purchase items with check #101. Why, because the retail dept. knows that the account is a new account and may question you. Some banks now start your checks with any requested number. But be aware, if you ask for a different number to start, that is a red flag for the bank employee and according to what you deposit, amount and if check was deposited, you may have a hold placed on your account. Also ways customers are getting around that is, you can order your checks from many outside companies now, so you can order them with any number you want. Hope this helps you. Also, there is a company called Chex Systems, that the bank can call and get information about you. Each bank submits information about closed accounts. If the bank gets a bad report on you, they may not open your account. The bank employee is not permitted to give you the reason you were turned down, but gives you the address and telephone number of Chex Systems so you can find out the reason. Most people already know the reason. Again, hope this helps you.

Answer 2

Why not? The check numbers are just for you and the bank to keep track of your transactions. Most of the time when you open a bank account they start your checks at 101 but you can ask them to start them at any number. So yes you can use a 101 check to pay bills an what not

Answer 3

Legally, the check no. has no significance at all. It is just a record keeping aid. At one time it was common for stores to refuse checks with low numbers because new accounts are more likely to be fraudulent than older accounts. This is not very common any more because many bank no longer start with no. 101 for new accounts. Starter checks (the ones that don't have your name ans account no. pre-printed) are often refused for the same reason. When paying bills it hardly ever matters. If the check bounces, you just don't get credit for the payment. Unlike a store, you didn't walk out with merchandise.

Answer 4

Yes, starter checks with lower check numbers are ok. Paying creditors with out-of-sequence check numbers is not a problem. The important things to look for: is the routing number - the number identifying your bank - on the bottom edge of the checks accurate? You can phone your bank and ask. Also, is your correct checking account number printed on the bottom of each check? Do the check numbers on the top match the check numbers on the bottom? If you those three printed numbers on the bottom are correct, you're good to go.

Answer 5

You can purchase things with check numbers in the 100's but you can also tell your bank what number you want your checks to start at. The higher the number is suppose to signify length of time with your bank which is why some people prefer having a higher number on their checks.

Answer 6

Some places won't accept checks with numbers under 500, but it doesn't happen often.