Although we’ve had a French checking account for about a year, we’ve been exclusively using the account’s credit/debit card, the Carte Bleue, for in-person and online shopping. We have never bothered to obtain an actual checkbook from our bank in France.  We very seldom used checks in the US because of the prevalence of online payments.

But, we recently had a need for a chèque issued on a French bank, so I set about acquiring a French checkbook called a Chéquier or a Carnet de chèques. I went online to BNP Paribas, our French bank, and searched for the link to order a Carnet de chèques.  Of course, the website is in French and after stumbling around web pages for a good while using with my limited French language skills, I decided I needed some help locating the correct link.  

I “clicked in” to the BNP website’s “chat” function to “speak” with a bank representative who was extremely helpful.  Totally embracing technology, I had one computer window open to the BNP website, a second window open to chat with the bank representative, and a third window opened to Google Translate to expedite the conversation with the French speaking bank rep.   I worked through the  online conversation and finally located the right web page to order chèques.  However after reaching the correct webpage, I was offered the somewhat confusing options of:

While I understood the options of  ordering 1, 2, or 3 carnets (books) of chèques with either 30 or 60 chèques each, I had to do some additional online research to figure out exactly what the differences were between chèques portefeuille barrés, chèques ordinaires barrés, and chèques à talon barrés.  After visiting several online Expat forums I learned that: 

Chèque portefeuille: has checks that are attached and tear away from the top like the majority of US checkbooks.
Chèque ordinaire:  has checks that are attached to the left side like a book and tear away from the left side.
Chèque à talon:  checks that are attached and tear away from the top, but with a”stub”(à souche) that gets left in the checkbook with a space for a personal memo.

Now understanding the options better, I selected the chèques portefeuille barrés (the choice most similar to what we have for our US checkbook) and “clicked” to have the Carnet de chèques mailed to us rather than the option of having the checkbook sent to our local bank branch for pick-up.

A week later, the Carnet de chèques arrived in the mail.  First thing I saw was that French chèques are noticeably larger than US checks.

Also different from the US was a receipt included which had to be signed and returned to the bank acknowledging that the checkbook had arrived, there are no missing checks, and that the checks are printed correctly.  Apparently the checks are not valid until the return receipt has been received at the bank.

There is a very specific formula to writing French checks.  While US checks and French chèques look similar, there are several differences in their formats.  The most obvious difference that a chèque written on a French bank is required to be written in French.

Line 1. “Payez contre cheque,” “Payez contre ce chèque‘,” or “Payez contre cheque non endossable.”  The top line on US checks is where the payee’s name usually goes, so it’s important to know that “Payez contre cheque“ means “Pay against this cheque (this amount)” not “Pay to the order of” like is found on an US check.  On the top line of the chèque you spell out the amount to be paid using French words.  For example €87,50 needs to be spelled out as “Quatre-vingt-sept Euros et cinquante centimes” or “Quatre-vingt-sept Euros et 50/100 c.”  I still struggle with understanding French numbers, but there are many “How to write a check in France” websites with “Numbers to French Words Converters” that look very helpful.

Line 2. “€” On this line the amount for the check is written in numbers.  Remember that in France the comma (virgule) and the period (point) are used in writing amounts are reversed from the way the comma and the period are used in the US. For example: Two thousand eighty-seven Euros and 50 centimes is correctly written as €2.087,50 and not as €2,087.50.

Line 3. “A” This is the payee space that you write in the name of the person, company, or organization to whom the amount is being paid.  A chèque for Mr. Dubois is written as M Dubois (for Monsieur Dubois),  Mrs. Dubois as Mme Dubois (for Madam Dubois), or Miss Dubois as Mlle Dubois (for Mademoiselle Dubois.)

Line 4. “Fait à” or “A“.  A departure from how checks are written in the US, on this line you write the name of the city of where the chèque is being written, for example “Fait à Carcassonne” or “a Paris.”

Line 5. “Le”  This is the date line where today’s date is written.  Remember that the European standard for writing a date is “day-month-year” (like the US military standard of writing dates.)  A chèque written on Christmas day would be correctly written as 25-12-2014, not as 12-25-2014.  Christmas day could also be correctly written as 25 décembre 2014.  (The French do not capitalize the first letter of a month.)

janvier = January février = February mars = March avril = April mai = May juin = June

juillet = July août = August septembre = September octobre = October novembre = November décembre = December

Line 6. Beneath lines 4 and 5 reading “Fait à Carcassonne le 25-12-2014″ is the space for a signature.  There is often no actual “line” provided on French chèques for a signature like is usually found on US checks.

So now, with a Carnet de chèques in hand and understanding the format for writing a French chèque, we are finally ready to write that check.

 

 

 

 

 

 

Tracy and I believe that it is essential to participate in the privilege and right of voting in the US.

One major issue we have read in the many expat forums is Americans who say that they have had difficulties voting while living abroad. But so far our voting experience has been very positive.  I wonder with the ease we have navigated the process if some of those voting complaints are from the distance past or because of a person living overseas misunderstanding of the process to obtain a ballot.

Since 1986 there has been the “Uniformed and Overseas Citizens Absentee Voting Act (UOCAVA)” that requires that all overseas citizens be allowed to register and vote in federal elections. For Nevada, the Secretary of State web site explains the absentee/overseas process on its “Military/ Overseas Voting” page.  The web page also supplies links to individual Nevada counties’ Registrars of Voters and to the Federal Voting Assistance Program that assists both military and civilian overseas voters.

Our Washoe County Registrar of Voter’s web site is also very helpful with a form request page that carefully explains the absentee/overseas process:

“ABSENT BALLOT REQUEST

An absent ballot request form can be filled out and processed at the beginning of each election year.  Your absent ballot request is only valid for the calendar year in which we receive it.  It is important that you specify which election(s) you are requesting a ballot for.

THE DEADLINE TO SUBMIT A REQUEST FOR AN ABSENT BALLOT IS THE TUESDAY PRIOR TO ANY ELECTION, AT 5 PM.  WE STRONGLY URGE YOU TO SEND IN YOUR REQUEST AS SOON AS POSSIBLE.  REMEMBER, YOUR VOTED BALLOT MUST BE IN OUR OFFICE BY 7 PM ON ELECTION DAY IN ORDER TO BE COUNTED.

BALLOTS WILL BE MAILED TO OVERSEAS AND MILITARY VOTERS 45 DAYS PRIOR TO ANY ELECTION. BALLOTS WITH OUT-OF-STATE MAILING ADDRESSES WILL BE MAILED 40 DAYS PRIOR TO ANY ELECTION AND BALLOTS WITH IN-STATE ADDRESSES WILL BE MAILED AT THE 30-DAY MARK.
 IT IS IMPORTANT THAT YOU PLAN ACCORDINGLY. 

You can print, fill out and mail or fax the Absent Ballot Request form below to us.  (Remember, your signature is required.)  If you find that the address you have listed for the Primary Election will not be valid for the General Election, please submit an updated request.  We cannot accept changes by phone.  Please call us if you have any questions.  (775) 328-3670″

We downloaded a “Absent Ballot Request Form” for each of us, completed the form, attached copies of our Nevada driver licenses, and mailed the form to the Washoe County Registrar of Voters.  The form gave us the option to request an absentee ballot for a specific election or for every election during the calendar year (which was our choice.)

There is obviously some personal responsibility and pre-planning of deadlines required by an American living overseas to be able to vote. It is not an automatic process. A new request needs to be submitted every year.

Our absentee/overseas ballots for the primary election arrived in France on May 5 for the primary election scheduled June 10.

Inside the envelope is the primary ballot for my political party, “Instructions For Washoe County Military, Military Spouses And Overseas Vote-By-Mail Voters” in both English and Spanish, a notice that a candidate for office has died but remains on the previously printed ballot (also in English and Spanish), a “Secrecy Sleeve” to protect privacy, and a special return envelope.

After marking our selections of candidates on the ballot (in black or blue ink only, to be read by an electronic scanner), there is an elaborate six-step process to protect our privacy while ensuring the integrity of the absentee voting process.

Once our Byzantine directions for signing and sealing the envelopes are accomplished, all that is left is a quick trip to la Poste (the post office) to add an €1,78 international stamp to each envelope (about $4.90 total) and give the ballots plenty of time to make it back to Reno by 7 p.m. June 10.

We also have the ability to confirm our ballots arrived at the Washoe County Registrar of Voters by visiting myvoterfile at the Nevada Secretary of State’s web site.

Our patriotic duty to vote is done until the general election on November 4.