I have a friend who’s son just turned 17, got his first job and checking account. One day he came into the house in a rage. He said, “Dad, you have me terrible advice! You told me to put my money in the bank and now they’re going under”! How do you know that? “Because they just returned one of my checks because of insufficient funds”!
I know people who still manually balance their checkbook the old fashioned way. In the day of technology, there’s just no reason for it. If you want to know if a specific check has cleared, you just log on and check it out. The only thing to really keep track of are outstanding checks and debits so you don’t overspend.
Or, you can throw caution to the wind and roll the dice. Just set up direct deposit and spend until it’s gone. That would be great fun until you have to start paying fees. Then, not so much. They add up quickly. If you keep doing it, the bank will close your account and make it nearly impossible to get another checking account.