Good comment, Steve.

jrmd01 - You might want to check with your bank on that "cancelled" check. A few years ago I was going to cancel a check that had gotten lost in the mail. I think the service charge at the time was $8 or $9. My bank told me that the cancellation was only good for a six month period. After that, they would honor it if it came through. Result: I didn't and don't cancel checks.

my $.02,

Wes