Can I Write on a Cashier’s Check?
Cashier’s checks are a popular and secure method of payment, often used for large transactions or when a personal check might not be accepted. However, many people wonder if they can write on a cashier’s check. The answer to this question depends on the specific circumstances and the rules set by the issuing institution.
Understanding the Purpose of a Cashier’s Check
A cashier’s check is a type of bank check that guarantees payment because it is drawn on the bank’s funds. This makes it more secure than a personal check, as the bank stands behind the payment. The primary purpose of a cashier’s check is to ensure that the recipient of the funds can rely on the check’s validity and the funds’ availability.
Is It Legal to Write on a Cashier’s Check?
Technically, it is legal to write on a cashier’s check, but it is not recommended. Most banks and financial institutions explicitly state that alterations to cashier’s checks, including writing on them, are considered fraudulent. If you alter a cashier’s check, the bank may refuse to honor it, and you could face legal consequences.
What Can You Write on a Cashier’s Check?
If you must write on a cashier’s check, it is crucial to follow the guidelines set by the issuing institution. Generally, you can write the following information on a cashier’s check:
1. The name of the payee: Clearly write the name of the person or entity to whom the check is to be paid.
2. The date: Include the date of the check to indicate when it was issued.
3. The amount in both numbers and words: Write the amount in numerical form and then in words to avoid any discrepancies.
Alternatives to Writing on a Cashier’s Check
To avoid any legal issues and ensure the check is honored, it is best to avoid writing on a cashier’s check altogether. Instead, consider the following alternatives:
1. Use a separate memo line: Some cashier’s checks have a memo line where you can write additional information. Use this space to note any relevant details.
2. Attach a receipt or invoice: If you need to provide additional information, attach a receipt or invoice to the cashier’s check.
3. Use a cover letter: Write a separate letter explaining the purpose of the cashier’s check and any additional details.
Conclusion
While it is technically legal to write on a cashier’s check, it is not advisable due to the potential for legal consequences and the risk of the check being refused. Always follow the guidelines set by the issuing institution and consider alternative methods to include additional information when necessary.
