Is your check damaged? You may be wondering, “can you cash a damaged check?” Luckily, there are a few options depending on why and how the check has been damaged – before you toss it in frustration, take comfort in knowing there is still hope for cashing it! In this blog post, we’ll discuss what to do with a damaged check and answer all of your pressing questions, including: Can you cash a damaged check? What should I do if my paper check is torn? Let’s get into it.
Can You Cash a Damaged Check?
It all depends on the condition of the check. If it’s just slightly damaged with a minuscule tear or smudge, you can try cashing it at your bank or depositing via mobile deposit. But if substantial damage is done to the document, such as being torn in two parts or having certain details eradicated, then there isn’t much chance that your local financial institution will accept its cash-in/deposit value.
Ensure you handle checks delicately and store them securely to avoid damage. If the check is slightly damaged, your bank may ask that you endorse it on the back by writing “Accepted as is” or “Endorsement guaranteed.” In addition, they’ll likely request additional identification or documentation for verification purposes. However, should any issues arise with a damaged check, make sure to reach out to either its issuer or your banking institution immediately for further instructions.
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