It is very possible to have a fake check which would look like a real check. Although, there are 3 easy ways to spot a fake check. Below are some of the ways you can spot a fake check.
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#1 Look out for the check number:
Every legitimate check contains a number that appears in two places; in the upper right corner and in the magnetic ink character recognition line at the bottom. If the numbers do not match then it’s a bogus check.
You should also look out for low numbers like 101-400 on a personal check or 1000-1500 on a business check. This shows a new account, and most fake checks are written from new accounts.
#2 Check the edges:
Real checks usually had at least one rough or punctured edge. One way you would be able to easily spot a fake check is to check out its edges. If all four sides are smooth, it is possible that it was not likely issued by a financial institution.
#3 Examine the paper:
Real checks are printed on thick, coated paper with a dull or dim finish. A fake check will likely feel thin and light when it’s bent and also look shiny.
There are also some other ways you can check for a fake check, you could run a damp finger across inked areas on the paper, and if the ink stains, the check is fake. Legitimate checks always have the logo of the bank where the account is held, so if there is no logo, it’s probably a fake check.
Even if the logo is legit, you should check the website of the named bank, or call its customer service to make sure the address on the check is correct.
How do I verify if a check is good?
To verify a check, you need to contact the bank where the money is coming. To do so, find the bank name on the front of the check, search for the bank online and visit the bank’s official site to get a phone number for customer service. Tell the customer service representative that you would lie to verify a check you received.
How do I know if I have a fake check?
Every legitimate check contains a number that appears in two places; in the upper right corner and in the magnetic ink character recognition line at the bottom. If the numbers do not match then it’s a bogus check.
How do I verify a check for free?
You can verify a check for free. To do this, you will need to speak with the bank that issued the check-in person or via phone.
How long does it take for a fake check to bounce?
Checks from fake and empty accounts should bounce within a few weeks, which would give you time to avoid debts with your bank.
How does a bank verify a check?
Banks can verify checks by checking the funds of the account it was sent from.
Why would a bank reject a check?
The main reason banks reject checks is as a result of insufficient funds. Checks can also be rejected for other reasons which include unreadable or invalid account and routing numbers, improper formatting, a missing or invalid signature, or the elapse of too much time since the printed date.
What happens if I receive a bounced check?
In a case where you received a bounced check, you would have to get in contact with the check issuer and request payment.
Can a bank tell if a check is real?
Yes. A bank would be able to tell if the check is real when they try to clear the check.