for questions related to a Check [spelled as Cheque in Asia and UK] as a bank instrument to withdraw money.

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0
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0answers
34 views

Forgot to sign at the bottom of money order

I recently sent a money order. I wrote the recipient's name, but forgot to sign at the bottom. I also don't have the receipt for the money order, hence I don't know the number associated with it. Is ...
4
votes
3answers
126 views

Checks made out to multiple parties with 'and'. How can I deposit it with one signature?

I am receiving payments from a lawsuit in my favor, with three other plaintiffs. The payments we are receiving are personal checks, made out to all off the plaintiffs with 'and' joining the names. ...
0
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0answers
36 views

Letting someone else pay in a check (made out to me) to their account?

I have a check made out to me (call me John Doe). I'm permanently away from my home country, where I have bank accounts; I'm now in Canada. I'd like to let a friend (call her Jane Doe) pay the check ...
1
vote
1answer
32 views

International Bank Draft Fees

I have received an Internation Bank Draft from a friend in Scotland, made out in Swedish Kroner. I went to my bank here in Sweden and they said it would cost around 60 Euro to cash the cheque which is ...
0
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1answer
37 views

Check expiry date

I have received a banker's check which HSBC New York sent after closing my account. There is no mention of expiry date. Can somebody inform me how many months are USA checks valid?
0
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0answers
16 views

Check expiry date [duplicate]

I have received a banker's check which HSBC New York sent after closing my account. There is no mention of expiry date. Can somebody inform me how many months are USA checks valid?
-5
votes
1answer
70 views

Where can I cash a check in the USA Online instead of in person?

I would like to know WHERE could I cash any type of cheque in USA entirely online (contact done online without physical visit)? Tried to do some research but most far i came was having to sign some ...
0
votes
1answer
50 views

Can personal banking customers use the BMO Harris Bank remote cheque deposit system?

I live in Canada. I notice that BMO Harris Bank offers remote cheque deposit software, powered by DepositEdge, for its commercial banking customers. But I only have a personal banking account with ...
1
vote
3answers
98 views

Received Check as Business Before Having Funds to Start the LLC

I've received a payment and will continue to be receiving payments contingent on me getting paid as an LLC. The problem with that is, is that starting an LLC is expensive and I don't have the funding ...
8
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4answers
7k views

What happens when “bill pay” check does not get cashed

In the US, some banks generously offer a "bill pay" service, which is an online page that allows you to mail a (paper) check to a US address. Most banks don't change for this service, which "saves you ...
4
votes
2answers
3k views

What laws govern check clearing in the US?

When I deposit a check in my bank, the bank credits the first $100 of the sum immediately and the rest of the sum is credited the next day, usually. I know that it's not a real clearing - i.e. if the ...
0
votes
1answer
718 views

How do banks handle post-dated checks deposited via the ATM?

As noted in another question, banks have different policies regarding post-dated checks before the post-date, although it seems most will accept the check as long as the check issuer hasn't contacted ...
0
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0answers
86 views

2 names on US tax refund, filed as 'single'

I recieved my US federal tax return earlier this month. When I first looked at the check, I noticed it had a % symbol, followed by my mother's name on the line below the one with my name. it looks ...
7
votes
1answer
1k views

What's the difference between a certified check, a cashier's check, a money order, and a bank draft?

The question comes from reading this answer. I've heard these terms used somewhat interchangeably, but I have no idea what the differences are. What's the difference between a certified check, a ...
11
votes
4answers
620 views

Someone has my check: any risks?

Some time ago I found a room to rent in another city (via Craigslist). I talked with the lady renting out the room on the phone and after we made a deal I sent her a half of the month rent ($375). Not ...
11
votes
4answers
30k views
3
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1answer
161 views

Can a Foreigner cash a US issued Check in the US?

I have received an American check from a large US bank as payment for stocks that I sold in the US. I am not american, and I will be in the US shortly. I need to know if and how I could cash this ...
2
votes
3answers
247 views

What reason would a person have to use checks in stores?

I recently saw a rare (for me) sight... someone in a store paying with a check. Is there any rational reason to do this? Anyone with a checking account can get a debit card for it, and there is no ...
20
votes
6answers
12k views

Can't the account information on my checks be easily used for fraud?

My Bank of America checks contain my routing & account number, which I've used in the past to make purchases online, among other things. Anyone whom I pay with a check has this information. It ...
1
vote
3answers
123 views

How do I dispose of my old checks?

I have several stacks of unused checks from a few old checking accounts of mine. How long should I keep the checks after I close each account? How should I dispose of them? Should I destroy them ...
1
vote
1answer
1k views

How long are checks issued by Bank of America valid?

I am writing a check using my account at Bank of America. How long will it be valid? In other words, how much time does the recipient have to cash it?
1
vote
2answers
56 views

How to change the default validity length of a check in the US when emitting it?

Checks issued by US banks are typically valid for 180 days, although it might vary depending on the state and the bank. When writing a check, how can I change its default validity length? I sometime ...
36
votes
14answers
4k views

Do Americans really use checks that often?

That might sound a bit silly to people from USA but is it really that common to use checks in America? I am from Austria and here (Austria, Germany, Switzerland) checks play practically no role in ...
1
vote
1answer
186 views

Check number and written amount don't match [duplicate]

What happens to a check that says $[570-] where the written amount goes and "five hundred -------------------70/100" where the written portion goes?
2
votes
1answer
152 views

Endorsed check - does everyone have to be present to cash it?

Myself and some old roommates have a security deposit check made out to all five of us. Do all five of us have to actually be present to cash the check, or can one or more people in the party simply ...
7
votes
3answers
20k views

How can I get free or discounted checks for my bank account?

I bank with chase and my account type does not qualify me for free check books. I have to pay a fee to get a check book. Is there a way I can: Get a free check book for my account? Print my own free ...
0
votes
0answers
25 views

Which banks in the north NJ/NYC area offer deposits by scanner for personal checks?

A number of business checking accounts offer this service but so far I haven't seen any personal accounts in the area. Any suggestions?
2
votes
1answer
194 views

found a 1994 uncashed profit sharing retirement plan check

I found an old un-cashed check dated 1994 for $487 from my Xerox Retirement plan with no expiration date. Can I still cash it?
2
votes
1answer
2k views

leaving the amount on a check blank

Suppose a person writes a check out to someone that they owe $500, but does not specify the amount on the check and instead tells the person to fill out the amount for five hundred and cash it. If the ...
0
votes
2answers
56 views

Ordering checks for my LLC

I'm ordering checks for my newly formed LLC. I wondered if I should put my personal name on the checks, just the LLC name or both. Thank you.
5
votes
1answer
126 views

Stolen wallet containing check. What are the proper steps to take now?

My wallet was stolen. I cancelled all my cards, but I also had a check written to me that I hadn't deposited yet. I have contacted the issuer of the check and asked him to cancel it, but he says he is ...
5
votes
6answers
38k views

How can I deposit a check made out to my business into my personal account?

When I invoiced this company, my invoice specifically said to make it payable to me personally, not my business (since I don't have a business account besides PayPal). Unfortunately, they made it out ...
2
votes
3answers
379 views

How do I cash a USD cheque in Europe, quickly?

I'll receive a USD cheque shortly. I prefered payment by money transfer, but all attempts to do so - i.e. SWIFT/IBAN, Payoneer, transferwise - failed. Now I will receive a cheque by mail. I contacted ...
2
votes
2answers
173 views

In double entry book-keeping, how should I record writing of a check?

Say I write a check (in British English, a cheque) to pay money to some supplier out of my business's current account. I post the check. As far as I'm concerned, the company has spent that money and ...
11
votes
5answers
7k views

What if I received a check with two different amounts written on it (words vs. number)?

I received a check personally written to me from a family member. The family member that wrote & sent me the check wrote where you write out the amount of what the check is suppose to be for, in ...
3
votes
1answer
335 views

Cash a US Government check without bank account

A US citizen, long-term permanent resident in Canada, with no financial presence of any type in the US. He holds a valid US passport, and is up-to-date with all IRS and FBAR reporting. He has a $400 ...
2
votes
2answers
10k views

How Long Can It Take For a Check I Write to Clear on My Account?

If I write a check to someone (in this case, from an LLC), on a local bank, and it goes to someone who is within 10-25 miles of me, and they take that to their bank (also local and not my bank), is ...
4
votes
1answer
963 views

How can I cash US treasury check in India?

I have a United States Treasury check. Please let me know how to encash it in India. I tried ICICI bank but they are unable to process it.
3
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1answer
104 views

Can a check be indorsed anywhere, or just in the specified area?

So I wanted to know, but nobody has been able to answer me. Can an indorsement be made anywhere on a check, or does it always have to be made in the designated space on the back of the check?
14
votes
2answers
534 views

Does a post-dated check have any *valid* use for delaying payment?

I was recently witness to a salesman claiming that a customer could post-date a check to guarantee their check would not be cashed before the item they just ordered was received. I was under the ...
5
votes
2answers
5k views

Cashing a foreign check in US

Is it possible to deposit a check issued by a foreign bank in a US bank? To be specific, I would like to know if I can deposit a check issued by a bank in India in INR in my bank in US. I was able to ...
8
votes
5answers
13k views

Any practical difference between “personal checks” and “business checks”?

I need to order checks for my LLC. I wrote maybe 5 paper checks last year (by hand, not printed). So it doesn't make sense for me to spend $30-40+ on "business checks" if I can spend $5-10 on ...
0
votes
0answers
23 views

Escrow check with past void date? [duplicate]

I have an escrow check that is past 180 days. It will be around 6 days past 180 come Monday. The check was issued by bank of america and my bank is chase. Would they still let me deposit it or will ...
13
votes
1answer
1k views

Uncashed lawsuit settlement check

My mom is 84 years old, and her memory is not so good. I just found a lawsuit settlement check from an attorney along with the settlement papers in her files. The check is for $24,000, drawn on an ...
1
vote
1answer
75 views

When printing a check from a business account is it possible to print it on the smaller (personal) check paper?

My father owns his own business and asked me to print a few checks on the smaller (personal) size check paper? I did not know this was possible, but he assured me that it was. I am confused about how ...
-2
votes
1answer
145 views

Where should I sign on this check?

I received a refund check from my credit card company. I would like to deposit to my bank account online. But I wonder where I can sign my name, since I don't see any hint on the back of the check. ...
9
votes
5answers
5k views

Can a “For Deposit Only” endorsement on a check be changed (canceled) by initialing?

My wife endorsed a small check "For Deposit Only". Then, she crossed the endorsement out, and initialed it. The grocery store refused the check, saying once it's endorsed for deposit only, the bank ...
2
votes
2answers
1k views

How can I cash out a check internationally?

I have a prize check in my name at my old university based in the US. I have now shifted to another country and was wondering, what would be the best way to cash out the check? I know someone ...
0
votes
1answer
331 views

What can I do with unused cheque book?

I will be switching all my accounts from Bank A to Bank B within the next few weeks. A few months ago, I purchased a cheque book for my Bank A checking account. It contains 50 cheques (all unused). ...
2
votes
1answer
161 views

Is issuer's bank allowed to charge fee when cashing check?

I have previously heard that if you take check to the issuer's bank; they are required by law to cash the check for the full amount. Recently I got a check from business but when I took it to their ...