Do you have a torn check and wonder if it can still be cashed? You can, in fact, cash a torn check quite easily. This is because most financial institutions now accept checks with minor damage.
However, in order for you to be able to cash a torn check, certain information needs to be fully visible. Read on to learn more about cashing torn checks and how they are handled at banks and currency exchanges.
Can You Cash a Torn Check?
If you have a ripped check, you may wonder if you can still cash it. The answer depends on the extent of the damage and where you deposit the check.
Suppose the rip is minor and does not affect any of the information on the check, such as the bank account number or routing number. In this case, you may be able to cash it without any problems. However, if the rip is more significant and covers up any vital information, the check cashing place may not accept it.
If you’re unsure whether or not your ripped check is valid, your best bet is to take it to your nearest WSCE location and ask.
They’ll be able to tell you for sure whether or not it’s possible to process the check. If the check is too damaged, you may need to request a new check from the person or company who wrote it.
What Information Should Be Included on a Check?
If you need to cash a torn check, the following information must still be clearly visible:
- Name of the payee
- Date
- Amount of the check in numbers and words
- Signature from the drawer (the person writing the check)
- Routing number
- Account number
The check may not be accepted if any information is missing or illegible. However, if the damage is minimal, it may be accepted.
Visit Us for No-Hassle Check Cashing Services
If your check is torn, there’s no need to take it to a bank. Simply visit us at West Suburban Currency Exchanges so we can see the extent of the damage. We have locations all over the Chicago area, and our friendly staff will be happy to help you handle the torn check.
In addition, we can often cash damaged checks other places can’t accept, so stop by today for our hassle-free currency exchange check cashing.
