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sammie88 · Sep 18, 2013, 10:52 AM

I'm with BMO (Bank of Montreal). I'm just wondering when a person writes, signs, and issues a check, is it going to show up in a transaction on one's bank statement with details like who/which organization it was issued to?

smoothy · Sep 18, 2013, 11:02 AM

You are working in a bank... but you don't know the answer to this question?

aliseaodo · Sep 18, 2013, 11:20 AM

Hmmm, usually it just shows the check number, date it cleared, and the amount. If you also get check images sent with your statement you would see an actual picture of the check, which of course would show who it was written to. If you do online banking, same story, you would see the check number, date it cleared, and amount. With my online banking, if I click on the check number it will bring up an image.

aliseaodo · Sep 18, 2013, 11:22 AM

Smoothy - I think the op means they bank with Bank of Montreal. I'm 'with' US Bank...

smoothy · Sep 18, 2013, 11:23 AM

The banks going to know all the information there is to know... who what when where... etc.

Papertrails are extensive, and required by law. And there are international treaties to that effect... Canada is a signitory.

Has everything to do with money laundering.

aliseaodo · Sep 18, 2013, 11:35 AM

Sammie - does this have anything to do with restitution?

sammie88 · Sep 18, 2013, 11:54 AM

@ Aliseaodo: Ahh, I see. Check images usually come at a charge, right? And no no, this doesn't have anything to do with restitution, just that there was a stub in the checkbook I left blank and I can't remember what I paid and whereabouts I paid it to... Assuming if I went to the bank, I probably won't be able to see where the money went but will see the amount that was debited? (which will hopefully jog my memory)

joypulv · Sep 18, 2013, 11:55 AM

If you write a check to 'A.B.C.' or some other shortened form of a name that is a big organization, it can very well be spelled out in full on your statement. You won't know until it's done.
Happens to me all the time, for instance my electric company, and my charge card. It has to do with the electronic settings of each company when reciprocating info with banks.

I don't know of any bank that charges for images, except perhaps if you want to see the back too.

smoothy · Sep 18, 2013, 11:57 AM

Originally Posted by sammie88

@ Aliseaodo: Ahh, I see. Check images usually come at a charge, right? And no no, this doesn't have anything to do with restitution, just that there was a stub in the checkbook I left blank and I can't remember what I paid and whereabouts I paid it to... Assuming if I went to the bank, I probably won't be able to see where the money went but will see the amount that was debited? (which will hopefully jog my memory)

They should within a certain time frame... you can't go back and expect them to tell you one from 4 years ago... but the last month or two they should. You might have to pay for that service however.

My bank does provide images of checks cleared that period in my statements... but I have an account that gets me a higher level of service than many even at the same bank have.

sammie88 · Sep 18, 2013, 12:03 PM

Originally Posted by smoothy

They should within a certain time frame........you can't go back and expect them to tell you one from 4 years ago...but the last month or two they should. You might have to pay for that service however.

My bank does provide images of checks cleared that period in my statements....but I have an account that gets me a higher level of service than many even at the same bank have.

Okay, thank you. I don't think my account provides check images, and I checked the bank website which does say that check images DO come at a cost.

I'll check with them at one of their locations to get them to provide me with the amount information. I guess seeing as I don't get check images, I'm not going to be able to see any other info?

smoothy · Sep 18, 2013, 12:10 PM

Originally Posted by sammie88

Okay, thank you. I don't think my account provides check images, and I checked the bank website which does say that check images DO come at a cost.

I'll check with them at one of their locations to get them to provide me with the amount information. I guess seeing as I don't get check images, I'm not going to be able to see any other info?

The images should show the front and back sides...

aliseaodo · Sep 18, 2013, 12:11 PM

Assuming if I went to the bank, I probably won't be able to see where the money went but will see the amount that was debited? (which will hopefully jog my memory)

I worked at US Bank for a few years, if a customer came into the branch needing to see a check, our computer system would allow me to bring up the image of a check. Have you gone to your branch to see if they can do that for you?