Some Suggestions to Avoid Receiving a Worthless Check

Do Obtain information at the time the check is passed that will assist in identification of the person who wrote the check. If a check cashing card program hasn’t been instituted at your business, or you are a private individual accepting a check, obtain identification information from the person, and write it on the check before you accept the check.

Do Obtain the following information about the check writer and write it on the check:

1. Full name of the person writing the check to you.

2. Current residence address (get a street address in addition to a Post Office Box).

3. Home telephone number.

4. Business telephone number.

5. Place of employment.

6. Sex of the person writing the check to you.

7. Date of birth.

8. Height.

9. Driver's license number or state photo identification number.

10. State issuing the driver’s license or identification number.

Do Require the signing of the check to take place in your presence or in the presence of the person accepting the check for you.

Do Establish a set policy in your company for all employees to follow when accepting all checks. It is vital to stress the importance of this policy to your employees, and if it’s a uniform policy then no one customer should feel they are being treated unfairly.

Do Not take a check bearing a date in the future. We cannot file worthless check charges on postdated checks.

Do Not agree to hold a check for any length of time or for any reason. We cannot file worthless check charges if there is any type of agreement to hold the check.

Do Not accept checks that are already signed. Be sure the check is signed in the presence of the person accepting the check. In the case of company checks, it is vital that the signature is legible. If not, ask the person signing the check for his/her name and note the name on the check.

Do Not accept a check if you have any reason to believe the check might not be good. Require another form of payment.

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