[sborlove]

The question is.....if you scratch out 3 letters and then write the name of the recipient of the check on your personal check.....is that check still valid?

Went into Chase Bank where we were told that the check was void since we scratched out on it.....it was in the name of the account holder and wanting to cash her own check. The teller went to the manager and was told that the check was void....Thoughts? We are now saying good bye to Chase Bank. Your thoughts?

[retiredguy123]

Typically, if you scratch out something on any legal document, the signer should initial or sign again in the scratched out area. I don't know if that would have made any difference. It is a judgment call by the bank.

[EdFNJ]

Not sure if this helps but: From here: How to Change the Payee on a Check | Sapling

Errors on a check could include a misspelling of your name or the check being written to a different name. It is illegal to correct any error on a check on your own. Fortunately, there are other methods of correcting the error so you can still cash or deposit the instrument.

[Number 10 GI]

Their bank their rules. I don't see where "untrained" applies here in any way.

[blueash]

Originally Posted by Number 10 GI

Their bank their rules. I don't see where "untrained" applies here in any way.

I think the untrained is referring to the OP who lacked training on how to correct the error.

[villagetinker]

With some of the fraud that has been going around, I applaud the bank teller for their actions, as well as when they caution or stop large cash withdrawals under some questionable circumstances. I think I would have asked how to properly cash the check. IMHO, no altered check should ever be cashed.

[thevillages2013]

Originally Posted by sborlove

The question is.....if you scratch out 3 letters and then write the name of the recipient of the check on your personal check.....is that check still valid?

Went into Chase Bank where we were told that the check was void since we scratched out on it.....it was in the name of the account holder and wanting to cash her own check. The teller went to the manager and was told that the check was void....Thoughts? We are now saying good bye to Chase Bank. Your thoughts?

I will cash it for you but I charge fees

[ddags]

The bank has the discretion to except a check or refuse it . When I worked as a teller and knew the customer I would allow them to make any changes to their check and initial those changes. As long as there is money in the account it would go through.

[sdeikenberry]

The author is over reacting to a procedure the bank has to keep the author's funds safe. I'm use CHASE and I'm happy they are picky about withdrawals.

[waterflower]

Time to leave the big banking cartel. They launder more illegal money then you could ever imagine. Your intuition is correct to end your time with the biggest crooks on Wall St--JP Morgan/Chase

[Rwirish]

Not valid.

[crash]

Originally Posted by sborlove

The question is.....if you scratch out 3 letters and then write the name of the recipient of the check on your personal check.....is that check still valid?

Went into Chase Bank where we were told that the check was void since we scratched out on it.....it was in the name of the account holder and wanting to cash her own check. The teller went to the manager and was told that the check was void....Thoughts? We are now saying good bye to Chase Bank. Your thoughts?

Exactly correct void. Since it was your bank you could of done a withdrawal.

[spinner1001]

Originally Posted by sborlove

The question is.....if you scratch out 3 letters and then write the name of the recipient of the check on your personal check.....is that check still valid?

Went into Chase Bank where we were told that the check was void since we scratched out on it.....it was in the name of the account holder and wanting to cash her own check. The teller went to the manager and was told that the check was void....Thoughts? We are now saying good bye to Chase Bank. Your thoughts?

Alterations make a legal document (bank check) ambiguous and the bank is likely responsible for any future dispute about the altered document. Lower level bank employees such as tellers generally don’t have their employer’s authority to make judgements about the degree of bank risk even if small.

I believe this is a reasonable bank practice when dealing with tellers. A higher level bank employee might have a different outcome because they usually have more authority to make judgments.

[retiredguy123]

Maybe slightly off topic, but, if you have old plain paper checks, I would suggest that you order new checks. I recently replaced my checks, and the new ones have 7 additional anti-fraud security features. They are probably as difficult to counterfeit as currency.

[tsmall22204]

You should be thanking the bank. Your mistake. Why not just write another Mr. Lazy.