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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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10 votes
6 answers
5k views

Is there any reason to keep old checks?

I have a bunch of old checks from my job which I've already cashed into my checking account (online). Is there any tax reason (USA) or otherwise that I shouldn't just shred them?
4 votes
3 answers
6k views

Is it legal to deposit a check that says pay to the order of cash

Has anyone cashed a check that says pay to the order of cash? That's legal, right? Because I deposited it, and I got a deposit confirmation, and then later on they closed my account and removed the ...
91 votes
16 answers
27k views

How do people know if there are sufficient funds available when accepting payment by check?

I don't know a lot about paper checks because I have never seen one, and I don't live in America. Suppose person A gives person B a check for $100,000 in payment for something in a shop. How can B be ...
14 votes
3 answers
8k views

Is it illegal for a company to cross out the "To the order of" line on a check and change companies being paid?

Long title, but I wasn't sure how else to put this. Basically, I paid a contractor to do some work. They have two companies, one with assets, and one with no assets. We'll call them: Company A: No ...
0 votes
2 answers
107 views

Check printing for multiple accounts

I can find checks to order that allow computer printing, but the account info (account number, routing number, bank name, etc) is all pre printed. Is there a way to order checks that do not have all ...
0 votes
0 answers
79 views

Does anyone in Hong Kong issue personal checks, cashier's checks or international money orders that are cashable in the US?

I'm living in Hong Kong and have to pay a debt in an US institution. The debtee would only accept the payment in personal check, cashier's check or international money order, and the payment has to be ...
13 votes
4 answers
6k views

Is providing the name of the bank I bank with necessary when creating a check that's sent via email or am I at a risk of being scammed?

I was recently DM'd on TikTok by an artist requesting to use my profile picture for mural art as they were creating art based on human expressions. I didn't mind as my profile is public so anyone can ...
2 votes
1 answer
182 views

How to cash out Canadian cheque in foreign country

Prerequisites: I live in Ukraine I don't have a bank account in Canada I have a cheque from Canadian bank on my name. Ukrainian banks don't cash out cheques. Question: How can I cash out the cheque?...
1 vote
1 answer
829 views

Who pays to stop payment on a check lost in the mail?

I was expecting a check for work I performed as an independent contractor several weeks ago. I emailed and was told the check was already mailed. I was given a postage date and the check number. ...
-6 votes
3 answers
435 views

Why haven't government/banks acted to prevent money laundering and other scams?

I read about so many scams where people are given large cheques to deposit, and then asked to repay most of the money and keep a bit for themselves. The cheques then bounce, and the person is out the ...
0 votes
1 answer
162 views

Depositing Cdn$ cheques into a US bank without being charged a commission and facing a substantial hold period

I received 2 cheques drawn on a Canadian bank account in Canadian dollars. I live in the US. I want to convert the Canadian dollars to US dollars, however to do so my US bank wants to charge a 3% ...
30 votes
6 answers
17k views

How does this scam work where a potential employer emails me the scan of a check to deposit?

Two weeks ago, my husband lost his job. We NEED money and I used to edit and proofread before my son was born. I put my resume on Indeed and was contacted by a law office in California. After my ...
0 votes
1 answer
906 views

Is it possible to deposit the check with the old business name into the new account?

Chase recently closed my business account without providing any reasons, possibly due to limited activity. They're sending a check with the remaining balance, issued in my old business name, "...
1 vote
2 answers
1k views

Check made out to wife and husband

We received an IRS check made out to my husband and myself. We want to deposit it into my account. How does my husband sign it over? Thanks.
0 votes
1 answer
391 views

Advanced bitcoin/check scam?

So someone is offering me bi-weekly $1,500 checks for services. I know the typical scam is: send check, check clears, they request money back, and after a couple weeks the check is found fraudulent ...
2 votes
1 answer
3k views

What can I do if I found an old uncashed check?

I was cleaning out a desk and found an old uncashed paycheck from 2013 ! Here's the thing, the check is for a little over $1600.00 Is there anything I can do to redeem this check?
1 vote
0 answers
314 views

How can I cash a US cashier check in Sweden?

I have a cashier check from the US. I live in Sweden, and the Swedish bank will not accept it. What can I do?
-1 votes
1 answer
571 views

How to wire a check internationally (US to China) without a bank account?

I moved from the US to China. I'm trying to clear out all my accounts and consolidate my assets into my bank accounts in China. I mistakenly closed my bank account before my investment account. Now, ...
16 votes
2 answers
7k views

Why would the Bank not withdraw all of the money for the check amount I wrote?

I wrote a check for rent in the amount of $825. I watched my account to assure the funds would be gone so my checkbook was balanced. Then I saw WITHDRAWAL NSF #### in the amount of $825 But the weird ...
2 votes
1 answer
93 views

Gnucash: How do I handle a bounced debit order

This is my first question. I've been pretty terrible with my finances. I've recently started using gnucash to get back on track. So, my issue is, I recently had a bounced debit order in my cheque ...
0 votes
2 answers
548 views

How can I see the endorsement information on the back of cancelled checks?

Back in the days when banks provided our cancelled checks, we could see how the check was endorsed and the accounts into which it was deposited by looking at the rear of the cashed check. However, ...
10 votes
1 answer
2k views

What if the numbers and words I wrote on my check don't match?

I accidentally submitted a check today where I put the wrong cents amount in the written portion, i.e. "Two hundred nine and 00/100", and put the correct amount in the number portion, "...
0 votes
1 answer
215 views

Does anyone know where the rules for printing/writing checks are defined?

I know this is somewhat offtopic, but I'm really not sure where else to ask: I've got an idea for (mildly) improving check security. Something similar has been done in the past, but that was decades ...
0 votes
1 answer
369 views

Why would an insurer ask for a voided check instead of account+routing numbers to send an electronic funds transfer (EFT)?

Some insurer in the US has to send me some money. They wrote me the following: If you would like an EFT deposit we would need a copy of a voided check. Why would an insurance ask for a voided check ...
1 vote
0 answers
182 views

California won't reissue stimulus check

A family member, a resident of California, received a Golden State Stimulus check in 2021. There was a problem and he wrote "Void" on the check. As per the instructions on the state website, ...
10 votes
5 answers
13k views

When to claim check dated in one year but received the next

A check bears a December 2023 issue date. I receive it in the mail in January 2024 and deposit it in January 2024. I operate this business on a cash accounting basis (not accrual), so what do I do ...
5 votes
1 answer
3k views

Chase closed my account and is asking me to confirm the validity of my deposits. How can they do this?

Chase closed my checking account without any explanation at the end of August. When I contacted my branch in person, they were told over the phone from the main offices that I would receive a check of ...
13 votes
3 answers
2k views

Checking system vs. SEPA and the like

My first question here was inspired by the massive load of questions labeled scam here, especially the once involving checks. If this is too broad or off topic in some way please let me know so I can ...
31 votes
3 answers
9k views

How can I deal with a legitimate check received that is made out to my deceased wife's name?

My wife passed away on the 17th of November 2022. I just sold her car to Carvana. When I got home I noticed the check was made out to my wife ($4,000). We did not have a joint bank account. I do my ...
4 votes
2 answers
2k views

What should I do about a check I wrote three months ago that the recipient has not deposited?

I wrote a check three months ago, and the recipient has not deposited it yet. Stopping payment and giving them cash would cost me more than the amount of the check. Is there anything else I can do? I ...
-3 votes
1 answer
262 views

I payed a magazine company for a blog post and photo shoot was done but now they want to send me 3.4k. I payed 160 for pics with mag and 300 to pub

I payed a magazine company for a blog post and photo shoot was done but now they want to send me 3.4k. I payed 160 for pics with mag and 300 to publish idk if its real or fake kinda hesitant
21 votes
8 answers
10k views

I wrote a check with an unambiguous but casual written amount - why did the recipient's bank reject it for "invalid written amount"?

I wrote a check for 3495.00. For the written amount, I wrote "Thirty four ninety five and 00/100". When the recipient deposited the check, it was rejected due to "invalid written amount&...
10 votes
8 answers
8k views

Why do people still write checks as payments in stores?

Why do we still see (edit: in the US) some people (especially the elderly) still pay with checks in stores, even when the amount isn't too large for a debit card? Here are the disadvantages I can ...
17 votes
3 answers
28k views

Is there something on a check (cheque) that determines what currency it is?

We're a US company. We got a check from a Canadian company and usually the check will say "USD" on it. Otherwise when we deposit it, the check will clear as CAD. This check has no indicators on it....
23 votes
1 answer
12k views

Is income from a check taxed according to the date written or the date deposited?

Scenario Let's say I was given a check from an LLC on December 15 that was written to my LLC on that same day, and I cash it on January 15 the following year. Question Will I have to claim the ...
1 vote
2 answers
127 views

endorsing a check for mobile deposits

My bank requires me to write the following on the back of a cheque before I can use their mobile app to send it over to them: For mobile deposit at XYZ bank only I am very worried that once I ...
1 vote
1 answer
394 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 ...
0 votes
1 answer
246 views

Custom Check Printing

I just downloaded GnuCash, first time user. I needed to print custom checks, but when I click on the options, all of the custom part is grayed out, non-functioning. If anyone knows what I need to do ...
1 vote
1 answer
401 views

Are completely handwritten or otherwise nonstandard checks valid?

JTB's answer to my question about big checks says that in the 1980s, they wrote a check to the IRS on a T-shirt, and the IRS did deposit it, but their bank changed them a fee. Can you still do this ...
1 vote
4 answers
366 views

Are big checks (dimensions, not money) valid?

You've probably seen the really big checks given to winners of monetary prizes. Are these checks valid?
15 votes
2 answers
4k views

What is the point of the line on a check?

It's typical to draw a long line after the written-out amount on a check: One hundred twenty-three and 45/100 -​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​- What does this accomplish? Without it, ...
1 vote
4 answers
1k views

Can you put "Exactly" on a check?

I live in the United States, and on checks I've always put "Exactly X dollars" and a line all the way to the far right for values without cents. Last time I wrote a check to my landlord, she ...
0 votes
1 answer
1k views

Is a check written in a language other than English valid?

If I wrote a check for $22.44, I would normally write "Twenty-two and 44/100". Would a bank accept the check if I wrote "Veintidós y 44/100" instead?
-2 votes
1 answer
1k views

Is this potential sugar daddy trying to scam me? [duplicate]

A potential sugar daddy requested that I send him my email & name, so he can send me a check. He said he wants to use the mobile deposit to send me the money. Once the mobile deposit has been ...
2 votes
3 answers
732 views

What would happen if you wrote and deposited a check to yourself at an ATM?

What would happen if you wrote a check to yourself and then deposited it into the same account you had written it from? (I could use an ATM to avoid interacting with a teller who will likely question ...
2 votes
2 answers
217 views

Is a check for only a few cents valid?

If I write a check for 15¢, can the recipient cash or deposit it?
45 votes
11 answers
20k views

Can I claim only part of the full amount of a check?

I received a long awaited check today (USA) written for $X. For complicated reasons (we had some dispute about how much was owed for what), I only want to accept $Y from this person for this service, ...
3 votes
2 answers
9k views

Is it valid to write check without numeric amount but with words amount?

I sent out a personal check with only words spelling out the check amount but I forgot to fill in the numeric amount in the box. Will my check get cashed in this way ?
3 votes
5 answers
117k views

Is a digital image of a check e-mailed to someone a negotiable instrument?

Is it legal to send a personal check (from a picture of the hand written original) as an image through an email attachment? Then do they just submit the actual size printed image to their bank? Then ...
2 votes
1 answer
702 views

Found expired check issued by title company to settle balance from 6 years ago

I purchased a home 6 years ago and the title company sent me a large packet of documents related to closing with a small check buried deep inside it. I did not notice the check until now. It's only $...

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