How to Check Your Cashed Cheques at PC Financial

My husband usually keeps a couple of cheques in his wallet. They usually get written in a hurry often for charitable causes. That means every so often a cashed cheque is reported against our chequing account that he hasn’t listed it in the cheque book. In the past, I would ask if he remembered what it was for and if he didn’t know, I just hoped that it was legit. Now we have a PC Financial joint chequing account, with unlimited free cheques we can check what we wrote a cheque for by looking it up online for free.

Looking at a PDF of a Cashed Cheque Written on a PC Financial No Fee Chequing Account

  1. Sign in to your PC Financial account.
  2. From the list of your accounts, click on your No Fee chequing account.
    Page down till you see the cheque about which you are curious.
  3. Click on the link for the cheque.
    For example, I clicked on: Cheque #6
  4. To see the image, click on the button: view cheque.
  5. The front and back image of the cheque will be displayed as part of the PCF screen. You can see who endorsed the cheque on the back.As I suspected, this cheque was a charitable donation. The large even number was a big clue.
    Your choices include the buttons to:

    • return to transaction history
    • view PDF to print or save
    • printer friendly version

    You may want to save the PDF to keep an electronic proof of the payment, or you may want to print it to include in your files. Remember that PC Financial will only keep the cheque images for a fairly short period of time. If you’ll need them for taxes, etc, be sure to make a copy that you control.

  6. If you click on “view PDF to print or save” it opens the cheque images in a separate Adobe Acrobat Viewer window.
    To print it or save it, you just click on the appropriate icon near the top of the window.
  7. If you click on “printer friendly version” a different popup window opens.
    To print from this window, click on the button: print this page.
  8. Close the popup window/s.
    (You may get an error that sends you back to the screen you see when you first sign in to your PC account. I did when I closed the PDF popup window. I also got that error when I tried to use the “return to transaction history” button.)
  9. If you’re finished banking,
    1. click on the Sign Out button.
    2. Clear your Browser history.
    3. For increased security, close your Browser session.

Guard Your e-Signature Well!

Remember those cheque PDFs include an electronic copy of your signature. It does not take a computer genius to use that electronic copy to forge your signature on other documents. Always protect your password and ID for your PC Financial accounts. If you store your cheque images electronically on your own computer, protect those files too!

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Have you solved any chequing mysteries by looking at your cashed cheques? Did you ever catch a case of fraud this way? Please share your experiences with a comment.

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How To Look at Your Cashed Cheques for Free! Using Tangerine (ING Direct)

When you share a chequing account with someone else, sooner or later you’re going to end up with a cheque coming out of the account and neither of you remembering who it was paid to. In the olden days when I used to have to pay my bank to retrieve the cheque, I would have just ignored the cheque and hoped it was legit. Now with our Tangerine (formerly ING Direct THRIVE) chequing account, I can look at who cashed my cheque online for free.

Looking at the Image of your Cheque Written on a Tangerine Chequing Account

  1. Login to your Tangerine chequing account.
  2. From the list of your accounts, click on your chequing account.
  3. From the Transaction History, find the cheque about which you are curious.
  4. Click on the link for the cheque.
    For example, I clicked on: Cheque Withdrawal – 001
  5. You will see a PDF of the cheque. There will be an image of both the front and back of the cheque. In my case, the organization who endorsed the cheque used a stamp which is clearly legible on the reverse.
  6. You can save the PDF to keep an online record of the payment, or you can print it if you need the information to include in a letter or statement.
  7. If you have no other banking to attend to,
    1. click on: Log me out.
    2. Empty your cache.
    3. For added security close your browser session.

Why It’s Very Important to Guard Your Online Banking Password and User ID

This is another example of why it’s so important to guard your password and ID for online banking. If someone can get into your chequing account, they can obtain an electronic photo of your signature from your cheque images. Imagine the havoc someone could create with your finances if they could get into your bank accounts and could create an extremely passable copy of your signature. Guard your login information and be sure to clear your cache and close your browser session when you finish banking, please!

Related Reading

Join In
Do you use the fee cheque viewing service to update your cheque book once a month? Do you save the images of your cheques? If so, how do you protect your hard drive, stick or disk? Please share your experiences with a comment.
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