I’m the keeper of the check book balance in our family. I keep account on a ledger type book, not the tiny one provided by the issuer.
On the right page I enter the exact check amount but round up to the nearest $10 to subtract from the previous balance. On the left page, I add the excess. I use the excess when car ins. comes due and to make property tax pymts, I have relatively low real estate taxes of about $800 per year. Car ins. is about $1,000 per year. When a check is for an even amount, such as $80, I subtract $90 and add $10 to the left.
We also use some of that excess at Christmas. It adds up quickly if you pay a lot of bills and other things by check. I currently have an “excess” balance of a little over $1,200 and that’s after recent Christmas spending.
If you think that money would do better in a pass book account, you’d be right, by a few pennies. Pass book pays around 0.17%.
The little things matter, except in Washington, where votes are purchased and results are not relevant.