Monopoly Game Expansion #2: Personal Checking Account

Monopoly Deluxe Edition at

Expansions Difficulty/Complexity: Easy

This is a cash-free version of the game wherein all transactions are handled through personal checking accounts and recorded in individual check registers. Each player is responsible for his own account and must record all transactions – payment and receipt of rent, taxes, bribes, etc. in his check register.


To teach children (and some adults) how to accurately record transactions and balance a check register.

How to Play

  • Download and print the Bank of Monopoly Personal Check Register (includes rules)
  • Instead of distributing cash at the beginning of the game, players record the opening balance at the top of the check register (in the right-hand column under $ Balance). If playing the original Atlantic City Monopoly game with the distribution of 2 x $500, 2 x $100, 2 x $50, 6 x $20, 5 x $10, 5 x $5 , and 5 x $1 bills, the opening balance is $1,500.
  • Instead of using cash, all transactions are recorded in the check register under Deposit (+) and Payment (-), and all money belonging to the player is totaled in the $ Balance column.

Click on the image to view a sample check register

Our Fourpence Worth Monopoly Game Expansion: Personal Checking Account Check Register Sample

How to Use the Check Register

  • For each transaction, begin by recording the date and/or time. Since most games are played within one day, you may opt to record the time of each transaction instead of the date. We suggest placing a clock on the table in a spot easily visible by all players.
  • Enter a brief description of the transaction. For example, “Luxury Tax,” “Rent – Board Walk,” “Passed Go.”
  • When making a deposit record the amount in the Deposit (+) column, add it to the existing balance and record the new balance in the $ Balance column.
  • When making a payment, record the amount in the Payment (-) column and subtract the amount from the existing balance and record the new balance in the $ Balance column.
    • Examples of transactions that belong under Deposit (+):
      Passing “Go,” collecting rent and utilities, Chance and Community Chest bonuses (bank error, dividends, income tax refund, etc.), mortgaging property, selling houses and hotels
    • Examples of transactions that belong under Payment (-):
      Paying rent, utilities, income tax, luxury tax, school tax, poor tax, hospital bill, etc., buying property, building houses and hotels, un-mortgaging property.

Transactions Between Players

When one player must pay another player – rent, Chance or Community Chest, etc. – he debits the amount from his account under Payment (-). The player receiving the funds adds the amount to his account under Deposit (+).

Optional Overdraft and Negative Balance

Instead of declaring bankruptcy and leaving the game when a player’s balance reaches $0, the player can be charged an Overdraft Fee of $25 per transaction that creates or maintains a negative balance. For each round that the balance remains negative (upon landing on or passing “Go”), the player is charged a 10% overdraft penalty. This is a good lesson in the snowball effect of debt.

Optional Personal Checks

To train youngsters how to properly make out checks, personal checks are also included (page 6) for practicing on game transactions.

Click on the image below to view a sample check

Our Fourpence Worth Monopoly Game Expansion: Personal Checking Account Check Sample

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