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I received a check for settlement money. Due to how long it took to receive the check, I need to be able to cash the one I have now, if possible.

I naively wrote the name of my bank for PayPal, thinking that was needed to approve the digital scan.

Can I cash it in person in its current state (with an explanation to the cashier), or would it be advisable to use a pen-eraser?

2 Answers 2

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or would it be advisable to use a pen-eraser?

Never use a pen eraser on a check. That's a big fat red flag for fraud.

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  • Where the pen eraser would, in theory, be applied would be on the 'remote deposit' portion. If it's my money, it appears that common sense would indicate it couldn't be fraud, as the remote deposit would be removing my own money (but now I would be undoing that). Is this correct? Also, isn't there some other way to validate the check (via phone call, for instance)?
    – Phillip
    Commented Jun 18, 2021 at 19:53
  • @Phillip "If it's my money"... you misunderstand what fraud is.
    – RonJohn
    Commented Jun 18, 2021 at 19:57
  • i.e. 'if it's endorsed to me' - just a colloquialism I didn't think required explanation (but it appears, as such too common [in society today], you feel contradicted, so you try to find a cheap way to avert the question and invalidate my own. Grow up).
    – Phillip
    Commented Jun 18, 2021 at 20:00
  • Also, you could provide a better alternative: Off the top of my head: write a line through the portion and date it.
    – Phillip
    Commented Jun 18, 2021 at 20:02
  • @Phillip any alteration is any indication of fraud, and will gum up the works.
    – RonJohn
    Commented Jun 18, 2021 at 20:03
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If you are able to visit your bank in person, it may be best to ask the bank teller for their advice. Likely they will allow you to endorse and deposit the check, but it doesn't hurt to ask first.

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  • Oddball occurrences are why I like to bank with a Bank that has a local branch.
    – RonJohn
    Commented Jun 18, 2021 at 14:21

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