Invalid checks are checks that cannot be processed by banks due to errors or intentional actions that render them invalid. Several reasons can lead to a check becoming invalid, including:
Key Facts
- Invalid check reasons:
- Stopping payment: The maker of the check contacts their bank and requests that the payment be stopped before it is processed.
- Closed account: If the account associated with the check has been closed, the check will be considered invalid.
- Writing “void” across the check: The maker may write “void” across the check to indicate that it should not be processed.
- Alterations or tampering: Any alterations or tampering with the check, such as changing the amount or payee, can render it invalid.
- Expired check: If the check is presented for payment after a certain period of time, typically six months, it may be considered expired and invalid.
- Consequences of an invalid check:
- Non-payment: The recipient of an invalid check will not receive the funds they were expecting.
- Potential fees: The bank may charge fees for processing an invalid check or for returning it unpaid.
- Legal implications: Writing an invalid check intentionally can be considered a form of fraud and may have legal consequences.
Reasons for Invalid Checks
- Stopping paymentThe maker of the check contacts their bank and requests that the payment be stopped before it is processed.
- Closed accountIf the account associated with the check has been closed, the check will be considered invalid.
- Writing “void” across the checkThe maker may write “void” across the check to indicate that it should not be processed.
- Alterations or tamperingAny alterations or tampering with the check, such as changing the amount or payee, can render it invalid.
- Expired checkIf the check is presented for payment after a certain period of time, typically six months, it may be considered expired and invalid.
Consequences of Invalid Checks
Invalid checks have several consequences for both the maker and the recipient:
- Non-paymentThe recipient of an invalid check will not receive the funds they were expecting.
- Potential feesThe bank may charge fees for processing an invalid check or for returning it unpaid.
- Legal implicationsWriting an invalid check intentionally can be considered a form of fraud and may have legal consequences.
Sources
- Prevent Your Checks from Being Rejected
- Top Reasons Banks Won’t Cash Your Check
- 7 Reasons Your Mobile Check Deposit Can Be Rejected
FAQs
What is an invalid check?
An invalid check is a check that cannot be processed by a bank due to errors or intentional actions that render it invalid.
What are some reasons why a check may be invalid?
- Stopping payment
- Closed account
- Writing “void” across the check
- Alterations or tampering
- Expired check
What are the consequences of writing an invalid check?
- Non-payment to the recipient
- Potential fees from the bank
- Legal implications
What should I do if I receive an invalid check?
Contact the maker of the check and request a valid check. If the maker refuses or cannot provide a valid check, you may consider legal action.
What should I do if I accidentally wrote an invalid check?
Contact your bank immediately and request that the check be stopped. You may also need to contact the recipient of the check and explain the situation.
Can I be held legally liable for writing an invalid check?
Yes, writing an invalid check intentionally can be considered a form of fraud and may have legal consequences.
How can I prevent my checks from becoming invalid?
- Keep your checkbook in a safe place.
- Do not sign blank checks.
- Write the date, amount, and payee clearly on each check.
- Review your bank statements regularly to ensure that all checks have cleared.
What should I do if my check is lost or stolen?
Contact your bank immediately and request that the check be stopped. You may also need to file a police report.