Have had a couple of checking accounts. since I was 14 or 15. Always had one for business and one for personal. Of all they years in business only had two bad checks. One from a sheriff and the other from his brother. They did make them good after a month or so. Now just have personal acct. and use an old quiken program to make out checks for bills on another computer. Simplifies balancing and year end taxes. Yeah I'm an old f@rt and glad to be almost 70.