Personal notes are reminders you can add to any payment or filed item. Common uses for a personal note include reminders about why a payment was made, why the entire amount was not paid, or if there is a dispute with the payee. Personal notes are completely private, and cannot be seen by the payee.
The Difference Between a Memo and the Personal Notes
The memo field is printed right on the check for the purpose of making an additional note to the payee. Unlike the memo field on a check, personal notes are completely private and cannot be seen by the payee.