Canceled Checks

13.	Next, I want to talk about the different ways banks can send notification that checks have been paid. Some banks return the canceled paper checks that you wrote. Banks can now replace an original paper check with a substitute check and return that to the customer instead of a canceled paper check. {Show example of substitute check.} Other banks return a sheet of paper with pictures or images of checks on it, and others offer a combination of these services. {Show example of image statement.} Still other banks do not send any paper and instead provide only on-line access to your canceled checks. I will discuss each of these forms of notification with you in turn. So, the next set of questions focuses only on your experience with canceled paper checks. Do you receive any canceled paper checks with your main checking account statement, whether on a regular basis or just occasionally?
	(Select one)
	1.		Yes (Click here to go to question 15.)
	2.		No - Continue

14.	IF NO: In about what year did you stop receiving canceled paper checks? Probe for a best guess of the last time respondent remembers getting paper checks.

15.	We want to know more about your experience with bank fees for canceled paper checks and errors that you may have found by reviewing canceled paper checks. Let's talk about fees first: Currently, does your bank charge a fee specifically to receive canceled paper checks back? Probe for whether they have been charged a fee or whether bank generally charges a fee but they meet minimum balance requirements.
	(Select one)
	1.		Yes
	2.		No (Click here to go to question 18.)
	3.		Don't know (Click here to go to question 18.)
	4.		Not Applicable

16.	IF YES: What is the amount of the fee? "I don't recall" is acceptable.

17.	Can the fee be waived if you maintain a minimum balance on the account?
	(Select one)
	1.		Yes
	2.		No
	3.		I don't recall
	4.		Not Applicable

18.	Do you recall your bank ever charging you a fee to receive canceled checks back?
	(Select one)
	1.		Yes
	2.		No (Click here to go to question 20.)
	3.		Not Applicable

19.	IF YES: Do you recall what that amount was? "No" is acceptable.

---

Full Report: GAO-09-8

Table of Contents | Previous | Next