diff --git a/tests/test_reconcile.py b/tests/test_reconcile.py
index ba3d33b469849cdae095543f65d2b92225fee1de..186b5e5ca650736102d7b69f2f83dfef83f50d4a 100644
--- a/tests/test_reconcile.py
+++ b/tests/test_reconcile.py
@@ -100,6 +100,15 @@ B3_payee_mismatch_2 = {
     'line': 999,
     'bank_statement': "Financial/Bank-Statements/AMEX/2022-01-12_AMEX_statement.pdf"
 }
+B3_unmatched_check_id = {
+    'date': datetime.date(2022, 1, 3),
+    'amount': decimal.Decimal('30.00'),
+    'payee': 'USPS',
+    'check_id': '1234',
+    'filename': '2022/main.beancount',
+    'line': 999,
+    'bank_statement': "Financial/Bank-Statements/AMEX/2022-01-12_AMEX_statement.pdf"
+}
 
 
 def test_one_exact_match():
@@ -230,3 +239,13 @@ def test_totals():
         ([S2], [], []),
         ([], [B3_next_day], []),
     ]) == (decimal.Decimal('10'), decimal.Decimal('20'), decimal.Decimal('30'))
+
+
+def test_payee_not_considered_if_check_id_present():
+    # These records match aside from check-id.
+    statement = [S3]
+    books = [B3_unmatched_check_id]
+    assert match_statement_and_books(statement, books) == [
+        ([S3], [], ['no match']),
+        ([], [B3_unmatched_check_id], ['no match']),
+    ]