“There’s so little money in my bank account, my scenic checks show a ghetto” — Phyllis Diller
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In this quote, Phyllis Diller is using humor to joke about being broke. “Scenic checks” refers to the drawings or images printed on checks. She means that due to how little money she has in her bank account, the drawings on her checks depict run-down urban neighborhoods rather than pleasant landscapes or scenery.
So in essence, Diller is comically exaggerating her financial situation by saying even her checks portray poverty rather than wealth. The quote plays on expectations about what bank checks typically feature in a lighthearted way.