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   Guidelines

Tips for handling a check

 

What to look for when you accept a check

      If you want to protect yourself from losses due to bad checks, there are certain "rules" you must follow that can have a big impact on your success. Many of the most important rules apply at the moment you accept the check for payment.  State statutes, local requirements and simple practicality also influence what can or cannot be done to recover a loss from a bad check.

      There are some steps you should always take when accepting a check. Weve developed a simple acronym SANDI to help people remember the steps.

S Double Check the Signature. Watch the person sign the check. Pre-signed checks are often trouble. Compare the signature against a photo ID that contains the persons signature. A Drivers License is best - and record the Drivers License number. Student ID numbers and Military ID are also good identifiers that you should get if possible.

A Compare the Amounts. If the amount written in numbers and the amount written in words dont match, the bank wont accept it.  Carefully read both versions of the amount.  If they dont match, dont accept the check.

N Check Number. Its a fact that most bad checks are written on new accounts. Be especially aware of checks that seem to be on a new account (i.e. numbers in the "low 100s" or "low 1000s").

D Todays Date. Post-dated checks do not qualify for this Program. Make sure the date on the check matches the date you accept it.

I Complete ID. It is important that you get as much identification as possible.  At a minimum you MUST get the following:

- Name

- Address (a street address is best)

- City - State - Zip                                                 

- Phone Number

- Drivers License, Military or Student Number