I purchased this item as a backup wallet for situations where I need to take my checkbook, as I get tired of carrying around both a checkbook and a full wallet. I expected this to come with the flap for writing duplicate checks, and assumed this was the plastic insert visible in the picture. I was wrong, as this flap is simply additional credit card slots, and was filthy anyway. Additionally, the chemical smell of the leather was so strong when I opened this item that I began to feel lightheaded and had to take it outside for several hours.

Once I dusted out all the dirt, threw away the useless (and excessively low quality) plastic insert, and let the wallet air out, I could look at it closer. This is when I realized there was no checkbook flap. I'm keeping it only because it's not worth the hassle to return. Maybe I'll give it away at a gift exchange this Christmas.