| A | B |
|---|
| deposit slip | a form that accompanies a deposit slip and lists the items deposited--currency, coins, or checks |
| check stub | a form attached to a check on which a depositor keeps a record of the checks written and any current deposits |
| endorsement | written evidence that you received payment or that you transferred your right of receiving payment to someone else |
| check register | a separate form on which the depositor keeps a record of deposits and checks |
| signature card | a card, kept by a bank, that shows the signatures of all individuals authorized to draw checks against the account |
| joint account | a bank account that is used by two or more people |
| restrictive endorsement | an endorsement that limits the use of a check to the purpose given in the endorsement |
| service charge | a fee a bank charges in handling a checking account |
| special endorsement | an endorsement including the name of the person to whom the check has been transferred |
| money market rate | the current cost of money in the marketplace |
| share drafts | withdrawals made on a member's shares of ownership (deposits) in a credit union |
| blank endorsement | an endorsement consisting of only the endorser's name |
| drawer | the owner of the account and the person who signs the check |
| forgery | the crime of writing another person's signature on a check without his or her authority |
| traveler's check | a form designed for the traveler to use in making payments |
| postdated check | a check dated later than the date on which it is written |
| payee | the person to whom the check is written |
| drawee | the bank or other financial institution in which the account is held |
| stop-payment order | the form instructing a bank not to pay a certain check |
| cashier's check | a check that a bank draws on its own in-house funds |
| overdrawing | writing a check for more money that is in one's account |
| certified check | a personal check for which a bank has guaranteed payment |
| money order | a form of payment that orders the issuing agency to pay the amount printed on the form to another party |
| clearinghouse | a place where member banks exchange checks to clear them |
| canceled checks | checks that have been paid by the bank |
| outstanding checks | checks that have not been deducted form the bank statement's balance |
| clearinghouse | returning a check to the drawer's bank to be paid and chardge to his or her checking account |
| bank reconciliation | a statement showing how the checkbook balance and the bank statement were brought into agreement |
| bank statement | a report sent by the bank to a depositor showing the status of his or her account |
