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Questions tagged [personal-check]

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1
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2answers
133 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?
1
vote
1answer
260 views

Is this a real check?

I was recently given a personal check that had only the routing number on the bottom but no account number. There appears to be a number in the top left corner that could be it. Can i cash this check?
0
votes
1answer
101 views

Paying first month's rent using a personal check/money order (international graduate student)

I will be moving from Lahore, Pakistan to Manhattan, Kansas in August to start attending graduate school. The leasing manager at my apartment complex informed me the following: "The first payment ...
1
vote
1answer
82 views

Would a personal check be rejected solely on the basis of an inaccurate bank address?

I wonder if there is any chance for a personal check to be denied solely due to an inaccurate bank address. I ordered a book of personal checks from Amazon. However, the company seems to mix my bank's ...
5
votes
1answer
476 views

Why did my bank reject this check?

I have a personal check from an acquaintance, but she didn't make the check out to my full name "Geoffrey ____." She just wrote "Geoff." I tried to cash this check at my bank (a Chase branch near ...
2
votes
1answer
153 views

NSF Check and Cash Advance

Here is the situation. I wrote a check and at the time thought it would clear. Two days after, I realized a new payment posted making my check NSF. I have checked my online banking account and ...
0
votes
1answer
118 views

Is it advisable to cross a check sent to the state department of revenue for taxes owed? [duplicate]

When preparing a personal check to be mailed to the department of revenue of a U.S. state to pay taxes owed, is it advisable/permissible to cross the check, or mark the check as "account payee only"? ...
1
vote
1answer
656 views

Chase closed my account

My dad was in hospital sick, he wrote me a check to pay his bills for him. I deposited the day of his death, I talked with his credit union and they approved it and released it to my bank. Chase ...
1
vote
1answer
15k 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 ...
3
votes
2answers
5k views

For how long is a draft check valid, and where do the funds sit?

There is a fundamental difference between a personal check and a draft check. (I believe the distinction holds equally well in North America as in Europe, and possibly everywhere else). If Tom writes ...
-1
votes
1answer
3k views

What happens if there are insufficient funds in my checking account when a cheque is deposited?

In my question, there are two accounts involved. I will call the account where funds are being taken from (debited) Account A and the account where the cheque deposit happens Account B. Question: At ...
-2
votes
2answers
411 views

Physical Checks - Mailing

I am about to mail a check directly to a financial institution in the USA where the receiver holds an account, so that the money from the check can be deposited into the receiver's account. However, ...
12
votes
3answers
3k views

Why are the banks and their customers in the United States still using checks? [duplicate]

Some years ago, a friend of mine visited a US city, and went to a supermarket. Upon trying to pay with his credit card, the transaction failed, and the cashier asked if he could write out a check ...
3
votes
1answer
1k views

Found a check in a parking lot, what should I do?

I think it got discarded because it's only worth $7. But still at least for future reference what should I do when I find someone else's check? What is the proper way to 6 it to someone? Should I try ...
5
votes
2answers
8k views

What information is required in the top left (payor) part of a check?

I occasionally do consulting for people, using a business name rather than my personal name. I don't do enough work to justify setting up a separate business bank account, so all the checks I write ...
2
votes
1answer
830 views

If a check was made out to my name instead of my business name, is there some way I can still deposit it into my business account?

I am working as an independent contractor, and my first check was made out to my personal name instead of my business/corporate name, can I sign the check over and consider it as income for the ...
5
votes
1answer
5k views

How do you write a check with cents?

The other day I wrote a check and on the line that you write the amount in words I put how many dollars and wrote right next to that 50/100 without any line or the word "and". Will this work, because ...
2
votes
1answer
2k 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 ...
1
vote
1answer
59k 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 ...
3
votes
2answers
43k views

What to enter on the check ordering form?

I want to order checks for my Bank of America checking account from a third party, but I don't know how to complete the checkout form: Suppose my numbers were: Account number: 1234 5678 9012 ...
3
votes
1answer
214 views

How to teach personal reconciliation and book balancing

How do I go about finding good resources to teach my children about good money management. Something that will be able to show them how to run a personal bank account, how to reconcile and balance it. ...
5
votes
2answers
4k 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 ...
2
votes
2answers
581 views

How can one fill in the cent portion of the numeric amount on a personal check in the US?

On personal checks in the US, one fills in the numeric version of the dollar amount towards the left of the respective rectangular field. Say the check is for $36.25. I have seen different ways of ...
8
votes
1answer
36k views

Which colors can one use to fill out a check in the US?

With which colors can one fill out and sign and personal check in the US? Black is of course okay; I have heard that blue is also allowed. An ideal answer will give references. Is there anything ...
9
votes
3answers
46k 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 ...
10
votes
7answers
7k views

Can I really not close a checking account if I have a year old outstanding check?

Over a year ago, I wrote a small check ($35) to an organization at my university. They never cashed it and finally just told us that they were "lost" in the changing of the offices of the national ...
5
votes
2answers
1k views

Cashing Checks Via Photograph

Recently I discover a great time saver. Rather than Fedexing my check to my bank in US, I simply photograph the check with IPhone and tada the check is deposited. However I still have to have the ...
3
votes
4answers
3k views

Are there any restrictions on cashing a high-value (large amount) personal check?

Are there any restrictions on cashing a high-value personal check (say just less than $100,000) from a bank where I don't hold an account. My friend will give me a check for the amount from BofA, but ...
13
votes
4answers
2k 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 ...
10
votes
7answers
155k views

How can I have someone deposit a check for me?

I'm currently out of US territory, someone needs to pay me, so he made a check to me, with my name and CHASE account number on it, of course. Can I ask some other friend to go and deposit that check ...
5
votes
3answers
6k 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 ...
35
votes
5answers
72k views

Is it valid to write checks without spelling out the amount?

I've been writing checks this way for the last ~15 years or so: Namely, the amount field is written using numbers like 1,500 and 00/100 rather than the tedious, painful spelling out of One ...
25
votes
5answers
174k 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?
15
votes
4answers
372k 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?
10
votes
2answers
12k 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]