Update and notes on the paperwork issues: I couldn't find my check register for the first half of the year (found it yesterday, thank goodness). We pay 99% of our bills on line, but the things we write checks for are almost all things I need to keep documented for business or rental house deductions. So looking over your link Simplicity, I found this:
"Go through your checks each year and keep those related to your taxes, business expenses, housing and mortgage payments.
Throw away those that have no long-term importance."
I find that particularly worrisome because our bank (Citibank) does not return our checks or any digital image of our checks at all. They allow us to look at a digital image of the face online (which I find extremely convenient for the once or twice a year I forget to note who a check is written to and have to look it up), and then after 3 months that is gone. We contacted the bank in regards to getting digital copies while I was panicking about the lost checkbook, and they charge $5 for a photocopy of each
: you request.
I guess I have to assume that my check register is proof enough that I wrote these checks--since the bank doesn't offer them at all, I figure that their method must be good enough/legal, right?