3 easy ways to order checks for the first time

3 easy ways to order checks for the first time

Although the world is shifting to digital transactions, people continue to use checks as a mode of payment. Moreover, many people prefer to secure or guarantee future payments with post-dated checks. However, since checks are not readily available, one needs to know how to order them. This knowledge is especially important for those ordering for the first time. So here are a few ways in which one can order checks to meet their financial needs.

Banks
If one has a bank account, one can easily order checks. Moreover, if one has previously ordered checks from their bank, they can reorder by visiting the bank’s website. However, those who are ordering checks from their bank for the first time would need to connect with a customer service representative or visit the bank in person for details. To ensure security, one will have to verify their identity by presenting a valid government-issued photo ID. Similarly, one can also order checks from a credit union. Some banks and credit unions like Wells Fargo, Chase, Bank of America, Navy Federal Credit Union, and Ally Bank offer the first few checks for free.

Online printers
If one wishes to order checks with customized designs, one can easily do so through online check printers. To begin the process, one would need to choose one of the many available options for an online check printer. When one visits the online printer’s website, one will find relevant information on how to order the checks. One can choose from different font styles and designs to create a unique look for the checks. Once the design choices have been made, one will have to provide personal information like name and address. Finally, one will also have to specify the number of checks required for use.

Retail stores
Popular retail stores also offer check printing services. One can visit the websites to order checks through one of the retail stores. Since the stores also offer customized checks, one can select designs and fonts of their choice. On the website, they will find the steps to place an order for the checks, just like other online printers. Other information regarding the order, like the price, variety, and security features, will be specified on the website.

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Top automated investing services that make investment easy for all

Automated investing services or Robo advisors are becoming popular by the day, and financial experts around the world only expect to see a surge in their usage. This is because these intelligent services offer one crucial advantage that many investors benefit from: low-cost financial advice. With many top financial services companies jumping in the race to provide customers with the best automated investing services, there are plenty of great options available for every kind of investor.What is a Robo advisor and how much does it cost?A Robo advisor is a digital platform that provides algorithmic-driven money management services that require virtually no human supervision. It does this by collecting client data like financial situation, future goals, and other details through an online survey. This data is then used to automatically manage clients' assets and provide them with the most suitable financial advice. Robo advisors are immensely cheaper than human financial advisors. Most services only charge an annual management fee that is anywhere between 0.25% and 0.5% of the account balance. Depending on your need, you can even find good Robo advisors that offer services free of charge and low minimum balance value. Top Robo advisors in the marketThere are several low-cost Robo advisors that you can choose based on your needs and preferences. Here are some of the best automated investing services or Robo advisors available in the market today.BettermentBetterment is one of the oldest and the most popular players in the industry. It allows clients to invest in a range of funds chosen for you to improve returns. It offers automatic rebalancing, tax-loss harvesting, a personalized retirement plan, and can even sync your outside holdings like bank accounts and any other investments. At extra cost, you can up your investing game by talking to a certified financial advisor on the phone.Management fee: 0.25%Account minimum: $0https://www.betterment.com/investing/SoFI InvestA go-to choice for student loan refinancing, SoFi has now expanded its services into automated investing with its user-friendly investment management system. The company provides goal-based planning, automatic rebalancing, and diversifies your money to help reach your financial goals. Plus, you’ll receive member benefits like career services, discounts on SoFi products, and the opportunity to speak to a human advisor—everything at zero cost. Management fee: noneAccount minimum: $1https://www.sofi.com/invest/automated/WealthfrontWealthfront is one of the largest automated investing companies that offer both short and long-term financial goal planning. Its software builds a diversified portfolio of low-cost index funds to improve your returns and offers time-tested investment strategies that automatically look for profitable opportunities. Management fee: 0.25 percentAccount minimum: $500https://www.wealthfront.com/Charles Schwab Intelligent PortfoliosCharles Schwab is one of the most trusted financial services companies that launched its own Robo advisor that helps build, monitors, rebalances a diversified portfolio based on your goals, and provides 24/7 customer support from US-based service professionals. With Schwab, you are not charged any advisory fee or commission and can invest in a portfolio of low-cost exchange-traded funds (ETFs).Management fee: noneAccount minimum: $5,000https://intelligent.schwab.com/

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6 uncommon facts about freight bill factoring frauds

Truckers drive thousands of kilometers every month to supply freight across cities and towns, but delayed payments can seriously hamper their productivity. Freight bill factoring takes invoices for the loads that truckers supply and pays them right away, so that they don’t have to wait for their payouts. Though the process is highly effective, frauds relating to freight bill factoring have also become common. So, here are some lesser-known facts about freight bill factoring frauds: Submitting fake invoices Software programs generating invoices may not always have filters to differentiate genuine invoices from fake ones. So, there have been cases where a fake invoice quoting a much higher amount than what is payable has been passed on to invoice factoring companies. Such activities become even more difficult to track if the fake invoice is from a regular client. For this reason, employees in freight bill factoring companies should closely monitor the invoices through a standard process to avoid such illicit activities. Sending invoices before the freight is supplied If truckers send in their invoices before the freight is delivered, there is no guarantee that they will supply the freight to the destination. Invoicing companies should have strict protocols that prevent truckers from sending in paperwork before the freight is delivered to the locations. Checks should be in place to verify that the freight has been supplied. Transactions from fake trucking companies In some cases, the trucking company that sends invoices may not even exist. These invoices are generated by scammers, who pretend to have truckers employed under them. So, invoice processing companies should have HR policies in place to screen trucking companies before onboarding them. To avoid such scams, clients should be asked to submit documentation on the company and individual stakeholders to the invoicing company beforehand. Sending invoices without a proper break-up of values All invoices from trucking companies need to be checked and double-checked before being passed, but this particularly applies to round-figure amounts with no break-ups or details of what freight has been transported to which place. Many scammers directly enter round figures in invoices, demanding a lump sum for work they probably never did. So, invoicing companies should be wary of round figures that do not provide any details of freight delivery. Noticing sudden changes in the vendor’s bank details It is common for people to change their bank accounts for personal reasons, but it is equally common among scammers. Consequently, invoice factoring companies should take note of sudden changes in bank details, contacting the trucker to inquire about this change and provide evidence of KYC completion at the new bank. Urgent payment requests If a trucking company requests urgent payments, it warrants an investigation. The reason may indeed be genuine, but this needs to be established before the money is paid out. So, invoice factoring companies should ask the payee specific questions regarding the reason for this sudden demand. Freight bill factoring is a useful tool to ensure that truckers are paid on time for the efforts they put in. But some caution is necessary to avoid freight bill factoring frauds.

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Top 10 cat food deals to check out ahead of Black Friday 2022

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