Checks are written everyday at almost every place of business. At age 18 anyone with the adequate amount of money can open a checking account of their own. One aspect of checking account functions that many account owners are not familiar with is the processing of their checks after they have been written. When grocery shopping at a place such as Winn Dixie the customer many times thinks to his or herself whether he or she should pay cash, charge it, or pay for the purchase with a check. He or she may ponder this question in their mind all the way to the check out counter. When the customer makes the decision to pay for the merchand