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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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55 votes
7 answers
149k 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 ...
RexE's user avatar
  • 735
17 votes
2 answers
2k views

When can I be sure a questionable check has cleared?

Someone has sent me a check for $250 in payment for property damage they caused in a car accident. It would have been better if I had gotten a cashier's check or official check, but I'll have to make ...
David White's user avatar
17 votes
4 answers
384k views

How to correct a mistake made when writing a check?

I think I know the answer to this, but I'm not sure, and it's a good question, so I'll ask: What is the accepted/proper way to correct a mistake made on a check? For instance, I imagine that in any ...
Chris W. Rea's user avatar
  • 31.7k
10 votes
2 answers
14k views

Do personal checks expire? [US]

Do personal checks expire in the US? Also, if I stamp the following on it: VOID if not claimed within 60 days. Will that be honored by most banks? Related Do personal cheques expire? [Canada]
C. Ross's user avatar
  • 7,856
63 votes
4 answers
34k 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 ...
EdStevens's user avatar
  • 643
11 votes
6 answers
77k views

Are there special endorsement requirements for US Government checks to two parties?

At a bank where I have a checking account in my name only, I regularly cash a dividend check made out to my wife AND me. My wife endorses the check at home and then I stroll down to the bank and add ...
Ast Pace's user avatar
  • 297
4 votes
2 answers
991 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?
Barbara's user avatar
  • 41
3 votes
1 answer
254 views

Am I eligible for the stimulus check?

So my mom claimed me for 2018 Taxes when she shouldn’t have. For 2019 taxes I filed my taxes on April 3rd this year. I am a college student currently part time but my parents do not provide for me ...
Makayla Jackson's user avatar
17 votes
6 answers
56k 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 ...
AMK's user avatar
  • 179
8 votes
3 answers
7k views

Do "crossed checks" work in the United States?

I grew up in Australia, and learned that when I write a check, I should generally cross it with two diagonal lines with Not Negotiable written between them. The idea being that this signifies that ...
Peter K.'s user avatar
  • 3,963
30 votes
5 answers
231k views

Is there a limit on the dollar amount of a personal check?

Is there a limit on the dollar amount of a personal check?
user avatar
19 votes
2 answers
4k 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 ...
Robert Cartaino's user avatar
18 votes
5 answers
14k views

Should I give to charity by check or credit card?

I intend to donate some money to a major charity. I could donate online with a credit card, or by mail with a check. I'd like to choose the method that is less expensive for the charity, so that ...
Nate Eldredge's user avatar
66 votes
14 answers
14k 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 ...
Plankalkül's user avatar
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 ...
Jacksonkr's user avatar
  • 943
18 votes
2 answers
14k views

Is this reply promising a money order and cashier check a scam?

Lately, I have been tied up with my moving soon, among others. I got a reply from my ad for moving sale at craigslist, the author of which claims to be currently living on the other side of Atlantic ...
Tim's user avatar
  • 5,883
16 votes
5 answers
8k views

Cashing a fishy cheque addressed to someone else

I agreed to cash a cheque for someone I don't really know. In hindsight, this was very stupid, but now I need to figure out how best to get out of this situation. We both endorsed the cheque, it ...
user6344's user avatar
  • 235
14 votes
4 answers
15k views

Is there a standard check format in the USA?

In the USA, do checks(also known as cheques in some parts of the world) have the same format across all banks and financial institutions? Adding on, is there a standard format followed across the ...
L.C. Tan's user avatar
  • 143
8 votes
1 answer
39k views

(How) can I print my own checks on my printer on regular paper?

If I want to write a check from one of my accounts, I can obviously order a checkbook. The thing is, I don't want or need a whole checkbook. I might just need, like, 1 check. Maybe 2. Now, banks ...
user541686's user avatar
  • 3,369
7 votes
2 answers
26k 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 ...
rest_day's user avatar
  • 437
7 votes
1 answer
43k views

Do personal cheques expire? [Canada]

In Canada, cheques issued by the Government of Canada do not expire. do personal cheques ever expire? If so, what is the limit before they need to be re-issued?
Zephyr's user avatar
  • 6,230
6 votes
1 answer
2k 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 ...
Brimby's user avatar
  • 267
6 votes
3 answers
28k 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 ...
Andra's user avatar
  • 349
3 votes
1 answer
4k 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 ...
painter48179's user avatar
2 votes
1 answer
547 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 ...
Lance's user avatar
  • 585
1 vote
2 answers
2k views

Semantics of taxation for year-end money transferred by check

This is a follow up question to Income - Taxed on check date written or date deposited? I'm going to give a theoretical situation that has the possibly of becoming reality for me at the end of this ...
Jacksonkr's user avatar
  • 943
0 votes
1 answer
306 views

Do I have to pay taxes on a home warranty refund check?

I received a refund check from the home warranty service. Do I have to pay taxes for that. It a remediation check.
Angel L Rivera's user avatar
-2 votes
2 answers
582 views

How can I write a check with no exact amount but with an upper bound in the United States?

I live in the United States. I'd like to write a check to someone. I don't know the exact amount yet but I do know the upper bound. How can I write a check with no exact amount but with an upper ...
Franck Dernoncourt's user avatar
52 votes
7 answers
186k views

What is the purpose of endorsing a check?

Why do you need to sign a check on the back when you deposit it to your account?
Vitalik's user avatar
  • 5,483
49 votes
11 answers
9k views

In the US, is it normal to not include an electronic way to pay rent?

A property manager requires rent to be paid using check. Is it normal that rent cannot be paid using electronic methods such as a credit/debit card, or a bank transfer, or Paypal, or anything ...
det's user avatar
  • 607
45 votes
11 answers
21k 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, ...
Partial Fraction's user avatar
37 votes
19 answers
30k 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 ...
Vality's user avatar
  • 1,886
23 votes
2 answers
203k 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 ...
Steve V.'s user avatar
  • 675
23 votes
3 answers
6k views

Why is "cheque cashing" a legitimate business?

There are many places around here, often co-located with pawn shops or payday-loan places, where they offer to "cash cheques" immediately, with some very high fee. How does this get any business? ...
ithisa's user avatar
  • 493
21 votes
4 answers
9k views

Undated cheque was given by client but client asks me continually not to deposit it

I received a cheque 3 months ago, which my client gave me to start a project and there's no date on the cheque. My client told me to ask him before depositing the cheque. The cheque was advance ...
karan ugale's user avatar
16 votes
4 answers
562k views

Is it possible to cash a check made to someone else's name? How to do so?

Is it possible to cash a check made to someone else's name? How to do so?
user avatar
14 votes
3 answers
29k views

How do I sign over a check made out to two people?

I just received my security deposit refund for last year's apartment, and it's made out to both me and my roommate. Unfortunately we are now living far away from each other. The check is made out to "...
Sapph's user avatar
  • 243
14 votes
4 answers
4k 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 ...
Leo's user avatar
  • 285
14 votes
5 answers
45k 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 "...
bstpierre's user avatar
  • 10k
13 votes
5 answers
43k 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 ...
Eamon Brenn's user avatar
13 votes
3 answers
106k views

Bank Draft vs. Certified Cheque - when is it appropriate to use one or the other?

Bank drafts and certified cheques are similar but have different costs associated with them. When is one more appropriate to use vs. the other?
Zephyr's user avatar
  • 6,230
12 votes
2 answers
1k views

Why do they ask whether it is a paycheck or not in a bank?

I am getting paid with checks so each time I deposit it to my bank account they ask whether it is a paycheck or not. What difference does it make?
serg's user avatar
  • 893
12 votes
2 answers
58k views

Does the IRS track every check deposited by me?

Is there a maximum amount limit on exceeding which the tracking starts? Or does each and every check deposited by me gets tracked by IRS for reconciliatory purposes?
Maximus's user avatar
  • 273
11 votes
1 answer
2k views

Buying checks from places besides your bank? How does it work?

I just opened a new account at Bank of America. The checks they sell aren't cheap and I heard that you can buy checks elsewhere. Does this mean that I can just buy a packet of blanket check and just ...
mugetsu's user avatar
  • 304
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 ...
nuggethead's user avatar
  • 2,099
10 votes
3 answers
6k views

What is the difference between a bad/bounced check and insufficient funds?

I was reading the answer to another question, and read this statement which basically states that writing a bounced check can land you in jail: you're committing a fraud, namely offering someone a ...
user avatar
10 votes
2 answers
22k views

How can I cash or deposit a check made out to my minor child?

Does my bank need to be aware of my child first? Do I need to, or should I, add anything to the back of the check where I would normally endorse it?
Kenny Evitt's user avatar
7 votes
4 answers
1k views

What forms of payment am I compelled to accept?

In relation to this question about maximum amounts a check can be written for If I sell something like a car or other expensive item on Craig's List or in the local paper classifieds, am I compelled ...
MrChrister's user avatar
  • 25.3k
6 votes
2 answers
16k views

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

I received 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 ...
808st8ofmind's user avatar
6 votes
2 answers
6k views

For which alterations on a personal check in the US does one need to initial?

For which alterations on a personal check in the US does one need to initial? Crossing out one's old address on a personal check is possible. Crossing out an outdated address is not necessary in the ...
Lover of Structure's user avatar