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Written Amount Missing on Check

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Question: 
Is it okay to take in a check for deposit that is missing the written amount? It has the numeric amount, but the written amount is missing.
Answer: 

There is no legal or regulatory requirement for a second dollar amount in words. It's there on most checks generally due to custom, and of course, is used as a control to make alteration of the intended dollar amount more difficult.

The amount written out in words is sometimes referred to as the legal amount of the check. That's a misnomer. It's the legal amount only if it differs from the amount in numerals, when the amount in words controls.

First published on BankersOnline.com 9/28/09

First published on 09/28/2009

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