Difference Between Single and Duplicate Checks

The checks have been very essential to keep track of the transactions. The checks are the paper by which the account holder permits the other person to withdraw the amount that is written over the cheque. The paper cheque is not losing its popularity because of online payment and debit cards.

Yet the people get an option in paper cheque between Single and Duplicate cheque. The people often get confused between them. As the cheques have very minor differences between them.

Single vs Duplicate Checks

The main difference between single and duplicate cheques is that single checks do not come with carbon paper. The caron paper beneath the cheque provides a copy of the cheque. Thus, it is called a duplicate cheque. The single cheque doesn’t provide evidence of the cheque usage. Therefore, if, in any case, the cheque is lost, the single cheque does not have any evidence, while the duplicate cheque has evidence of the cheque.

Single vs Duplicate Checks

The single cheque is printed over the paper with no carbon attached to it. Thus, the single cheque does not come with copies. The only drawback of this cheque is that if the cheque is lost or destroyed, then the person doesn’t have any proof of the transaction. The single cheques have the registry at the last of the cheque to note down the number and amount of the transaction.

The duplicate cheque comes with the carbon paper attached beneath the cheque. The carbon paper helps to form a copy of the cheque. The duplicate cheque thus helps to keep track of the transactions that took place. In cases of loss or misplaced of the cheque, the person has the details and evidence of the cheque.

Comparison Table Between Single and Duplicate Checks

Parameters of ComparisonSingle ChecksDuplicate Checks
DefinitionThe single checks come with the registry at last and no carbon paper beneath the cheque.The duplicate cheques are the cheques that come with carbon paper beneath the cheque.
VolumeThe single cheque is less voluminous as compared to the duplicate checks.The Duplicate Cheques are voluminous as compared to the duplicate cheques because the carbon paper and a duplicate cheque make the checkbook voluminous.
CostThe cost of the single checks is less expensive.The duplicate cheques are expensive as compared to the single cheque.
DrawbackThe drawback of a single cheque is that in case of loss of the cheque the person has no proof of the transaction.The Checkbook needs a little presence while writing and also the checkbook has fewer cheques because of the volume.
AdvantageThe advantage of the single checks is that they are less voluminous and no pressure is required during writing a cheque.The Advantage of the duplicate cheque is that the carbon copy of the cheque helps to keep a track of the transaction and can act as evidence of the traction in case of loss or misplacing of the cheque.
RecordThe Registry at the last of the checkbook is the only evidence of keeping a track of the transactions.The carbon copy beneath the cheque is the record of the transaction itself.

What are Single Checks?

The single cheques are the which are printed over the paper without the carbon paper beneath them. Thus, the cheque has a record-keeping at the last of the checkbook, where the person notes down the details of the cheque along with the cheque number. That is the reason that these cheques are called single cheques.

The single cheque is good for personal transactions. The single cheque has a disadvantage that in case of misplacing or loss of the cheque, the person doesn’t have any evidence about the transactions. Yet, the advantage that comes with the single cheque is that the checkbook is less voluminous, and the person does not require pressure while writing a transaction.

The cost of the single cheque is found less as compared to the duplicate cheque along with the more number of the cheques in one checkbook. Single cheques are good for personal transactions. The reason is that the personal transaction is not so regular and does not involve very large amounts.

What are Duplicate Checks?

The duplicate cheque is the cheque that comes with carbon paper beneath every cheque. This helps to keep a track record and evidence of the cheque. This is the reason that they are called duplicate cheques because every cheque comes with a carbon copy.

The duplicate cheque comes with the carbon beneath every cheque; therefore, no extra record is not required of the transaction. The duplicate cheque in case of misplacement or loss comes with a backup of the duplicate of the cheque as evidence. This also helps as a proof in legal terms. The checkbook was found to be more voluminous because of the carbon and an extra cheque. The duplicate cheque also asks the writer to write with a force so that the cheque can be duplicated over the other copy of the cheque.

The duplicate cheque is expensive as compared to the single cheque. The duplicate cheque yet is found more beneficial as compared to the single cheque and used in business transactions. This helps the company to keep track of the transaction and, in case of conflict, can also be used as evidence.

Main Differences Between Single and Duplicate Checks

  1. The Single checkbook does not come with carbon paper like the Duplicate checkbook. The single checkbook is less voluminous as compared to the Duplicate checkbook.
  2. The Single cheque doesn’t require pressure while writing as it is needed in the Duplicate cheque.
  3. The Single Cheque is inexpensive as compared to the Duplicate cheque.
  4. The single cheque record is kept in the registry at the last of the cheque, while the Duplicate cheque does not require this record keeping.
  5. If a cheque is lost, then there is no evidence left for the person who gave ut via the single cheque, whereas the duplicate cheque does not involve this problem.

Conclusion

The Single and Duplicate Cheque comes with similar uses. The transaction of the money takes place via this cheque. The only difference that comes between them is that the record-keeping in both of the cheques. The duplicate cheque comes with the carbon paper beneath every cheque, therefore, making a copy of the cheque ing used for a transaction. But in the single cheque, the records are kept at the last of the checkbook. There is no copy of the cheque, thus not giving strong evidence of the transaction. 

References

  1. http://www.math.iitb.ac.in/~ashish/workshop/some_issues.0.pdf
  2. https://link.springer.com/content/pdf/10.1007/s11128-017-1762-0.pdf

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