Enough of the scams, follow these valuable tips to determine if a check is fake.
Steps
Step 1. Determine the origins of the check
If you receive a check you weren't expecting or you are unfamiliar with the sender, you should be in doubt about its validity.
Step 2. Check the numbers in the upper right corner and see if they match the last numbers on the MICR (Magnetic Ink Character Recognition) line
The MICR line is at the bottom of the check and is made up of a long series of numbers.
Step 3. Visit the link https://www.fededirectory.frb.org/search.cfm enter the routing number in the box and click "Search"
The website will tell you which financial institution it is and in which city it is located. If the information is not the same as the information on the check then it is probably a forged check.
Step 4. Check the routing number and check it against a real check
If the handwriting is different, it could be a fake check.
Step 5. Call the issuing bank if you still have doubts about the validity of the check
You will be able to provide them with the routing number and account number, as shown in the MICR line. They will tell you if it is a valid check.
Step 6. Check the back for all the things usually found on the back of a valid check
Step 7. Run your fingers over the edges of the check
Checks should have perforated (coated) edges.
Step 8. Check the transparency of the check using a small LED light
Better keep one handy to check your checks quickly at work. If they are too thick or too thin they could be fake. Act immediately accordingly.
Advice
- Better to compare the check in question with other valid checks.
- You can also consult a lawyer to clarify your doubts. They are usually excellent advisors.
- If you are unsure whether the sender has enough money to cover the check, consult a financial advisor.
Warnings
- If the check is false, you will need to be aware of the gravity of the situation. If you don't know the sender, contact them. But most of the time it is better to contact the relevant authorities.
- In some extreme cases, if you think the check might be fake, the police / government may pass a forensic examination of the check making it useless later, so be careful before choosing this option.
