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Banking checks are traditional financial instruments used to authorize the transfer of funds from one bank account to another. A check contains critical information, including the account holder's name, the date, the payee's name, the amount to be paid (both in numbers and words), and the account holder's signature. When a payee deposits or cashes a check, their bank requests the funds from the payer’s bank, initiating the transfer process. Checks offer a reliable alternative to cash for making payments and settling debts. However, they require careful handling due to the risk of fraud and typically take a few days to clear.