I was recently contacted by Moses Fekete CEO and Co-founder of Cheques Plus as they wanted me to review one of their products, personalized cheques.
To be honest I was skeptical at first as we had always ordered our personal cheques through our financial institution.
However, since they are a very well-known Canadian business I thought I’d check it out. (no pun intended)
I wanted to do so not only for our family but to share my results with all of my CBB fans.
In our house spending and saving money is serious business so what you’re about to read is my personal opinion.
Personal Cheque Costs From Financial Institutions
Ordering personal cheques from a bank or credit union can be very costly and take a long time to arrive at your door-step.
We’ve done our banking with Simplii Financial for over 20 years where our cheques are free although they are not the only bank we do business with.
Many other banks charge between $50-$70 for cheque orders.
That’s a steep price to pay for something that you should be getting for far less.
After all, it’s only a piece of paper.
Cheque Use Popularity
Do we still use cheques?
Yes, from time to time as not every business accepts credit cards, e-transfer or debit.
A few recent instances where we used a personal cheque:
- Funeral preparation
- Trust account for my mother-in-law
- Personal cheque to a friend
- Payment For House Repairs
Although cheque use is steadily declining as electronic alternatives gain in popularity, Canadians still use close to just over half-billion cheques each year.
In 2018 Payment Canada Statistics shows cheque volume to be 510,833,402 down slightly from 2017 553,244,377. Source
What is a cheque?
A cheque is a written “order to pay”, which you sign and give to another party as payment.
When you pay using a cheque, you are instructing your financial institution to give money from your account to the person (or organization) that is depositing the cheque. Source
Ordering From Cheques Plus
The process for ordering personal cheques for Mrs. CBB and I took minutes to do.
Let me walk you through how easy this process is.
- Set up a login
- Click on Personal Cheques
- You get 100 Personal Cheques for only $24.99
- Select the colour of your Personal Cheques (We went with Pink)
- Fill in Personal Information
- Your bank address will auto-fill once you enter your transit number
- Optional add US funds or Line of Credit Account
- Upload or Email a voided cheque sample for accuracy
- Add to the cart where you will see a preview of your cheque to approve
- Pay and you’re done.
I expected there to be major blips and delays but the entire process was smooth and shockingly easy.
Personal Cheque Suppliers
At Cheques Plus they use the same quality as the banks and adhere to the same regulations as mandated by Payments Canada, formerly known as Canadian Payments Association (CPA).
When we order cheques from one of our savings accounts it takes upwards of two weeks before they arrive.
However, when we placed our order with Cheques Plus they were at our door in less than a week.
If you need cheques and fast you can’t beat free shipping Canada-wide and business cheques free within Ontario & Quebec, $11.99 elsewhere.
We had our personal cheques sent via Canada Post and they were in our post box safe and secure within a week.
However, many of us experience issues with Canada post one time or another which is outside of their hands.
Keep in mind that shipping via Canada Post is classed as standard mail and without tracking just as the banks do.
Other Products Offered At Cheques Plus
At Cheques Plus they do more than just provide top-line personal cheques.
They also offer excellent quality products such as :
- High-Security Manual Cheques
- Carbon Copy High-Security Manual Cheques
- Personal Cheques
- Customized Business Cheques
- Business Window Envelopes
- Accessories – Deposit slips, Stamps, Binders and more.
Price Match Guarantee
Price matching is a big deal for Canadians because this is how we save money.
Through research, there is no known Canadian competitor that has a better price than Cheques Plus but they will price-match a competitor in the event one is found.
When you run out of cheques all you have to do is hit the quick reorder button and you’re all set to go.
Cheques Plus Overview
For those of you who must pay for your personal cheques, I’d suggest ordering from Cheques Plus.
I’ve been through the process and without a doubt, it is exceptional, easy and well-priced.
We’ve used two of our Cheques Plus cheques without issue from our bank.
With a 4.8/5 star reviews by over 1464 customers you know they are doing something right.
Excellent service and great looking cheques. Thank youWritten on 18 December 2019
Cheques Plus Discount Code
Just for being a CBB fan if you make a purchase with Cheques Plus you get a 5% discount.
Enter coupon code MrCBB5 or click the link below and it will automatically be added to your order.
Discussion: How much do you pay for your cheques through your financial institution? If there is no cost what are if any stipulations for the bank account that you use?
Leave me your comments below on today’s topic and I’ll be sure to respond.
Blog Posts You May Have Missed
Below is a recap of the blog posts I’ve published over the past two weeks so you can catch up on your reading.
- 4 Benefits Of Tracking Monthly Medical Expenses (Free Budget Binder Printable)
- Keto Crispy Halloumi Chips
- What Happens To Your TFSA When You Die?
If you haven’t already subscribed to the blog make sure to add your email to my list so you get my weekly blog posts and access to my Free Budget Resources Library.
You’ll get all of my Budget Binder Printables and Monthly Budget For Free.
Frugal Recipe Of The Week
Soup is a big deal in our house as it’s a meal that you can stretch with added vegetables and protein.
I also love for soup as a starter to a meal or in combination with a sandwich.
Today I wanted to share one of my favourite soups, Italian Wedding Soup.
The Recipe Critic has what I would consider a classic version of this popular soup that originated in Italy.
What is Italian Wedding Soup made of?
- Meatballs, usually chicken and chicken sausage
- Spinach or Kale
- Chicken Based Broth
- Acini de Pepe
Keto Italian Wedding Soup- The Switch Up
You can make this Italian Wedding soup Keto by eliminating the carrots and acini de Pepe and substituting the pasta with Nu Pasta or Konjac Pasta.
We use scissors and cut the pasta into little bits to resemble the acini de Pepe pasta.
Making keto meatballs are super easy no matter what ground mince you use.
We like to top our Italian Wedding Soup with freshly grated Parmigiano Reggiano and parsley.
Mr. CBB’s Motivational Corner
Home and Blog Update
Here we are 2020 and a new year of our exclusive blog and home updates for all of you.
I thought CBB was starting off on the right foot and then everything went south the past couple of weeks.
As you may have noticed I’ve gone quiet and not posted anything for over a week.
I’m still alive and appreciate all of your emails and messages as they warmed my heart.
Besides the fact that I’m deathly ill AGAIN with a cough and cold life took a nose-dive.
We had a serious accident in our family that required all of us to be out of town with only 10 minutes to make the call.
It was probably one of the worst times of our lives since 2018 having to make health decisions for a loved one.
After sleeping on a hospital chair, a week in a hotel, travelling back and forth to the hospital through snowstorms and lack of sleep we’re finally home.
Just before all of this went down I made a batch of homemade keto sauerkraut that is fermenting for 30 days on our counter.
As well we decided on making a keto daikon radish kimchi instead of cabbage kimchi which is equally as good but less work.
Both recipes will be on the blog at some point this year along with cucumber kimchi that we made.
We’ve learned lots through this experience and it’s something I plan to blog about in the coming weeks.
I’ll be talking about outrageous medical expenses, hotel complaints, hotel parking costs, hospital expenses, hotel food the importance of emergency savings.
I have so much to catch up on and have been in contact with many of my business partners to let them know what has happened.
Thankfully, everyone was more than understanding.
On the blog, Sara has been working on updating my budget binder printables and free resources.
I hope to have that page sorted and password protected shortly.
For those of you who have joined the 2020 Monthly Budget Challenge, I will be contacting you shortly with a date to send me your first budget.
If you still want to join please email me immediately so I can add you to the list.
I still plan to have a weekly newsletter for 2020, bi-weekly recipe (mostly keto) however if you want to share your family recipe email me.
I’m also working on updating how we track our budget categories manually in the event of computer failure as it did in 2019.
There will be a new budget binder printable for this coming shortly.
If you have any topics that you’d like me to review or talk about in 2020 please email me.
I’m always open to your personal stories, questions that I can personally answer for you on the blog or story ideas.
- What other Budget Binder Resources would you like to see for your Budget Binder?
- Do you want me to create a Budget Binder cover page for your binder?
Leave me your comments below.
Again, thanks for your patience during this time as I get the blog back up and running.
Until next time,
Treat Your Money With Kindness
Saturday Search Term Giggles
Every week I get tens of thousands of people who visit Canadian Budget Binder because they searched online and found my blog.
Yes, I can see your search terms and sometimes they are funny, educational and worth sharing.
- Simple Resignation Letter– I Quit. Haha!! I shouldn’t laugh that’s what my post title is.
- The Keto Diet Is Expensive– Not really if you consider what you have reduced or eliminated buying.
- Ontario Grocery Store Price Mis-Match– You know I love sharing how people search for SCOP. Some are entertaining.
- How To Get The Best Deal From Bell?– Don’t Call Them. Lol!
If you see the acronym (SIC) next to a word that means I’ve copied the text exactly as it was typed in Google and it has spelling errors
That’s all for this week my friends, see you again in 2 weeks for the next Saturday Weekend Review!