Questions tagged [check]

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

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2answers
86 views

security considerations when mailing checks

I 've read in US forums that the IRS might mail you a check if you have a tax return. I 've also heard from expatriates living overseas who received such a check that they "simply" mailed it back to ...
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2answers
128 views

Check is made out to my business name and personal name - can i deposit it in personal?

I have received a check made out to My Business Name My Personal Name My Home address Formatted like that. Can I deposit it in my personal checking account? Thanks!
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International check in EUR

How long does it (usually) take to cash a check in the US from a bank in Italy, in Euros? It is from a big bank, Unicredit.
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0answers
38 views

Buying certified Canadian checks or money orders online from the US?

I live in the US and I need to send an application to a consulate in Canada. The consulate only accepts certified checks or money orders issued by Canadian institutions in Canadian dollars and cannot ...
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1answer
163 views

What do I do if someone forges my check

Someone recently forged my signature and used that to withdraw money from my account. I already called the bank (Chase) and they put a restriction on that account and open a new account for me. They ...
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1answer
170 views

Am I legally obligated to destroy or void a check?

I received a check for 9 cents from a major bank for an overpayment (as a result of setting up automatic electronic payments and not wanting to send an extra one time payment of 9 cents at the end). I ...
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1answer
150 views

How do Money Service Businesses (cheque cashing places, Money Tree, etc) actually cash cheques?

I understand a paper cheque ("check" en-US) is essentially a type of legally enforceable contract. The writing on the cheque essentially says: "I, Mr. Moneybags will pay £500 to Mr. John Smith. I ...
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3answers
248 views

How to write a non-transferable check for sending in the mail?

I want to write a check in the US, to be sent to the recipient via standard mail (USPS). What (and where) do I need to write on the check (in addition to the standard recipient name, $ amount, date ...
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4answers
5k views

To what extent is it worthwhile to report check fraud / refund scams?

I listed a car for sale on behalf of a 90 year old, and attracted scammers. One has now sent me a "check" for $4000, for a $1500 car purchase. I'm supposed to deposit the check, then pay the tow ...
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1answer
99 views

how to do 3rd party endorsement

I have received a check from the US department of treasury and I'd like to endorse it over to my daughter. On the back of the check where I endorse it above it has pretyped message from department. ...
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0answers
73 views

Town and out-of-town cheques: where are both payable?

In the term database of the Government of Canada, the definition is provided for an out-of-town cheque: A check [drawn] on a bank which is located outside the territory of the clearing house with ...
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5answers
3k views

If a check is written for bill, but account number is not mentioned on memo line, is it still processed?

On some of the bills I've seen mentions to add account number on check's memo line, but on others - no mention. Hence's this question. For the sake of example, suppose I've got bill from internet ...
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1answer
79 views

Cashing Foreign checks [duplicate]

My brother is sending me a check from Germany. Can I cash that foreign check at any United State Bank? I have tried to research all the possibilities.
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3answers
203 views

Other ways besides USPS/FedEx/etc to deposit LARGE checks into online banks?

Mobile Deposit is great and all, but most mobile apps have pretty low deposit limits. Even though Ally's limit is high ($50,000), checks can of course be higher. Thus, what's the alternative to ...
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0answers
64 views

HCE Excess Refund on 401k Plan

This year, I received a letter from the company I worked for notifying me that they did not pass the 401k non discrimination test. As a highly-compensated employee, I received an excess refund check ...
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3answers
301 views

Can a bank not honor the full amount of a check drawn on their customers accounts?

A local bank, which my employer uses for payroll, is about to institute a policy where they will charge non-customers of the bank a $5 fee to cash a check drawn on one of their own customer's accounts....
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0answers
163 views

Cashier checks purchased in the 80's at a bank that is now closed - the State Treasury Dept can't find them

My dad who is deceased purchased cashier checks in the 80's and the bank has since closed. I reached out to the States unclaimed property; they found several checks but there are a few left that they ...
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4answers
14k views

Counterfeit checks were created for my account. How does this type of fraud work?

Two days ago, first thing in the morning I updated my quicken accounts and saw that my primary checking account had two unidentified checks totaling several thousand dollars, wiping out the account ...
3
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1answer
210 views

Depositing check with blank legal line at Bank of America

Someone wrote me a check but left the legal line (i.e., the line where the check amount is spelled out with words) blank. I tried to deposit it at the counter at my local Bank of America, and the ...
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20answers
13k views

How to safely destroy (a large quantity of) valid checks?

A while ago I had my bank issue me new checks due to a change of name (I got married). However I still have many hundreds of checks with the out of date info (they're an online bank and issue about ...
38
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4answers
22k views

Accidentally cashed a check twice

I got a loan from a company, it was a paper check that i had received the check in April. I found the check today, un-signed, no void notes. I figured I hadn’t cashed it in considering it wasn’t even ...
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0answers
67 views

IRS federal refund paper check [duplicate]

I worked in the US this summer and I received a paper check from tax returns on my address in the US. But I live in Europe now, and I don't have an American debit card. Can a friend of mine who has ...
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2answers
458 views

Accept a check on my behalf in USA, and then transfer the money to me in Europe

I live in Europe, and I work with a client from USA. Currently he is only able to pay via check, so now I am looking for some way to get paid. Best way would be to have a relative or a close friend ...
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2answers
1k views

Bank account got shut down for fraud from my sugar daddy? [duplicate]

I recently met some sugar daddy and gave him my bank username and password for him to deposit money into my account. I had about 9.00$ in my account and he tried depositing 800$, then next day I tried ...
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1answer
141 views

How to handle stolen check with unhelpful issuer

Someone stole a check from me and received my money. The check was from a large company, and they aren't interested in assisting me in resolving the issue. I don't know who stole the check. Is there ...
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1answer
184 views

Automatic check reader error: How common?

I sent a check to my credit card company for $1234. The automatic check reader there read it incorrectly as $12.34, which was the amount that was paid and also what was cleared from my bank. I looked ...
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1answer
92 views

Cheap payment processing options apart from credit card [closed]

I receive check payments from some customers who mail it to me. Recently, some priority mail express packages have had to be redelivered or lost. Yes, they do lose mail! I spoke to a local mailman who ...
2
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1answer
160 views

Must I void or destroy a check after using its check number online?

The online banking system I use to pay my car loans requires checking account number, routing number, and a check number. If I use a check number from a real check in my checkbook, should I then void ...
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0answers
166 views

How can I convince my bank to accept deposits without my signature?

My credit union doesn't accept any check deposits without signature endorsement from the recipient. I have a joint savings account with my spouse. They do not accept checks made out to both me and my ...
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2answers
179 views

Mistakenly wrote “dollars” in dollars section of check

When filling a check, I wrote the alphabetic value correctly. However, I wrote "dollars" at its end (while it itself has this word). Should I cross it out? Ignore it? Or rewrite the check?
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4answers
493 views

Why, in case of a check scam, am I the responsible one and not the bank?

I simply do not understand why in a check scam it is the individual who deposits the check in a bank who is the one responsible, rather than the bank that accepted the check. Isn't a bank in better ...
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1answer
107 views

I am missing one cent [duplicate]

What if I wrote 2 cheques for 151.53, therefore a total of 303.06$ will be due. and I have 303.05$ in the bank? Will one cheque bounce? Can I just change the decimal of one cheque to be 151.52 and ...
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0answers
112 views

Can I cash a personal check against my business account?

Can I cash a check made payable to me personally through my business checking account? I'm a sole proprietor in Washington state (U.S.).
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4answers
655 views

Do I have to sign a check with “For Deposit Only” and Account number?

My business processes a lot of checks and I was thinking about ordering one of those For Deposit Only stamps. If I get it to say with account number: "FOR DEPOSIT ONLY 00000000" Is that enough? ...
3
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3answers
256 views

Canada cheque cashing fiasco

Landlord had me mail checks to his business in business name. They were cashed. He now tells me he gave me wrong address and I need to give him the money. I already had the money taken from.account. ...
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3answers
2k views

Why do banks have daily deposit limits for check deposits with app?

I have a bunch of accounts at Fidelity and use their app to deposit checks on my phone. Each account has a daily deposit limit that is based on a number of factors, but the most important appears to ...
3
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1answer
222 views

How can I make the cheque for my bank account closing balance usable by someone else?

When closing my UK bank account and moving abroad, I got a cheque from my building society that states Pay MR F M ANAPHORY *********** The Sum of (Not exceeding ten thousand pounds unless ...
3
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2answers
425 views

Is it more difficult to reverse a fraudulent check if it is cashed at a check-cashing service rather than deposited at a bank?

Say that someone gets ahold of my checking information and writes a fraudulent check from my account. Then they cash it at a check cashing store. I notice a week or so later, call my bank, and report ...
3
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1answer
202 views

If/how check security features really prevent against fraud

So I buy "blank check stock", or security-enhanced thick paper for printing checks. I then print a check with the appropriate MICR font at the bottom space, and put all the other relevant info on the ...
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1answer
57 views

Is E13B MICR font necessary for printing custom designed checks?

Wikipedia states: Although compliance with MICR standards is voluntary in the United States, their use with cheques is almost universal. So it's voluntary. I'm wondering if this means you could ...
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3answers
189 views

The alternatives to checks, credit cards, and cash, for transactions

So personally I pretty much just use a credit/debit card for most purchases, but cash is not uncommon, and checks are often used for paying rent to landlords or some small businesses. Then there are ...
2
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1answer
84 views

The design requirements for the back of a check

I was just wondering about the paper and printer to use for secure custom designed checks, and realized that I have never seen the back of a check that doesn't look like the image in the above link. I ...
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1answer
877 views

The paper and printer to use to custom print secure checks [closed]

I saw this which describes generally how to print checks. And this which basically says there's no standard for the layout of the graphics/text on the checks, but you need the checking/routing number ...
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0answers
92 views

How can a check duplication scam like this work? [duplicate]

So, I saw this report titled “The Remington Rip-Off? Company Denies Its Promises to Inspire Youth Cost Unsuspecting Older People Thousands of Dollars” on NY1—a local, reputable news organization in ...
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1answer
83 views

Where to get completely custom designed checks [closed]

Wondering if you can get custom designed (the "look") checks from Bank of America, or if not, which Banks (a few of them) offer this feature. Maybe it's possible to design your own checks independent ...
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5answers
10k views

Are purchase orders obsolete, or do they have some benefit over credit cards?

I just learned of Purchase Orders, which sound like they are used for purchasing expensive things in B2B. For example, if you wanted to purchase a large factory machine for several $k: I have only ...
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4answers
1k views

Disposing of unused and current check book

My bank has sent me a check book. Apparently it is a standard feature of my account, included at no extra charge. Odds are I am never going to write a check in my life. Due to dysgraphia, I have ...
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3answers
313 views

Checks stolen and rewritten, how?

This situation happened with my grandmother a few days ago. Even though older people are forgetful I do not believe my grandmother has misremembered this situation or confused herself. She wrote a $...
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1answer
394 views

Someone gave my sister a bad cheque, what should she do?

My sister's ex-boyfriend convinced her to lend money to him so that he can lend it to some unidentified person. She lent him $25 000, and her ex probably lent $63 000 of his own money to this ...
2
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1answer
93 views

My checking account used to be joint- can I still use the checks with both names?

I have a checking account for bills that I mostly use a debit card for, but I need to pay something by check now. This account used to be a joint one with my mom when I was a kid, but we took her off ...