Check 21

Hey there!
Love is in the air...Getting ready for Valentine's Day? You can place a FREE Valentine's Day message for your sweetheart in "Today's Local News" on
February 11, 12, 13. Simply log on to www.todayslocalnews.com You'll have
to register yourself and then click on to the classified section and choose "Valentine's message".
Only twice a year does Marie Calendar's have this great deal and now it's time! (February & October) You can buy any pie for $5.99 and if you have any of those old tins hanging around your house like I do, you can turn those in and drop the price even lower! Woohoo! mmmm
A loving home is needed for a FREE Bernina Serger, Model #234. You can't
beat that price! Call Rosanne @ 760-603-9366. No instruction manual.
Fine working order.
Now I want you to know that I've never done this! Some people have bought something in a store with a check even though they don’t have the money in their account at the time. You figure you have a few days for the check to clear, and by then the money will be there. It’s called the "float." Well, the float is slowly becoming a thing of the past. Because of a new law, money will be drafted from your account immediately when you write a check.
It’s called "Check 21," and it allows retailers to scan your check through a machine that deducts the cash within minutes. It’s essentially the end of the paper check system, as well, because the check will eventually be destroyed. There will be an image of the check online and that will serve as proof if you need it. But everything is becoming electronic, and a bank will know if a check is good right away. So, be prepared to move to an electronic bill pay system. It’s the smart way to go. What about checks that you deposit? Well, the float is no longer available to you, the customer. But the bank still will hold a deposit for a few days to make sure it clears.
It’s not fair, but it’s the way it’s happening.
Alrighty then, have a wonderful weekend and enjoy the sunshine! By the way, have you noticed how incredible the sunsets have been lately? What a beautiful area we live in. (sorry for those of you subscribers who don't live here in Carlsbad by the beach that you had to read that). :)
CENTSerely,
Sister Thrifty