At times, senior citizen parents need much help in areas that may be unfamiliar to them. One of these areas might be check writing. My senior citizen mother needed much help with check writing because English was not her first language.
Although some senior citizen parents are able to perform this task of check writing, my senior citizen mother could not do her own check writing. My mother wanted her own checking account after I got married because she wanted to be able to pay some of her personal credit card bills and also to have an account to deposit her Social Security checks.
Opening the Checking Account: One mutually convenient day, I told my mother that I would drive her to the bank to open her checking account. She got together her identification papers and some money to deposit in her new account. Because my mother was a senior citizen, she was able to open a senior checking account. This checking account did not require a certain monthly balance, nor did it charge any fees.
Monthly Bills: I told my senior citizen mother to let me help review her monthly bills. We would sit together at the kitchen table and review each bill as it came in the mail, checking to make sure that there were no errors in the bill and checking its due date. After we looked at each bill, I suggested that she place them in a secure spot. Everyone should find the secure spot that they are comfortable with. This can be an empty drawer, a big envelope, or the commonly used empty shoebox.
Writing Checks: We would once again sit at the kitchen table after all the bills were received and I would write each check for my senior citizen mother. She would then sign each check and place it in the appropriate envelope and place a postage stamp and return address sticker on each envelope. After all the checks were written, we just needed to mail them.
Examine Checking Account Bank Statement and Reconciling the Checkbook: When my mother received her checking account statement in the mail, I would make sure that her check register matched the bank statement minus any outstanding checks not yet cashed. My mother kept the cancelled checks and checking statements in a drawer in her bedroom in the event she needed them in the future.
Unfortunately my mother has since passed away, but while she was alive, I was happy that I was able to help her with many tasks including this task of check writing. Ironically now, my siblings claim the credit and do not recognize the help I gave to my senior citizen mother when I lived alone with her.