How to Verify the Authenticity of a Personal Check

Learn essential tips to verify if a personal check is real, including security features and verification methods.

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To tell if a personal check is real, verify the check number, account number, and routing number for accuracy. Look for security features such as watermarks, microprint, and color-shifting ink. Check for spelling and grammar mistakes or alterations in handwriting. Verify the issuer's information by contacting the bank or individual. If in doubt, use your bank’s check verification service.

FAQs & Answers

  1. What features should I look for in a real check? Look for security features like watermarks, microprinting, and color-shifting ink.
  2. Can I verify a check without contacting the bank? While contacting the bank is the most reliable method, you can also use your bank's check verification service for added assurance.
  3. What should I do if I suspect a check is fake? Do not deposit the check. Contact the issuing bank for verification and consult with your bank about the next steps.