Can you fill in a cheque with a pencil?

drunkmonkey

Is it legal tender if written in pencil?

Ginger

Nope as it can easily altered.. Also a while back when cheques were the most common of payment for large sums, you were supposed to write them in either black or blue pen as anything else wasnt always going to be accepted (red especially)

unclebill98

There is no way of refusing a chq written in pencil. Its a really stupid thing to do but if the signature matches and there is nothing else wrong with the chq then its going to get paid.

I would assume they would try and contact the person whom wrote the chq to make sure its correct, thats if it was trying to be cashed. If they where lodging it, then it would be ran through the banks clearing process.

People should use a pen.

Ginger

A lot of banks will refuse it due to the fact its too easy to alter.. Its something like a stale cheque they we ask the person to reissue it.

unclebill98

Ginger wrote: »

A lot of banks will refuse it due to the fact its too easy to alter.. Its something like a stale cheque they we ask the person to reissue it.

I would be very wary if someone came to me to cash it. I would call the owner of the account and confirm its correct. If it was being lodged i would not. There is now legal onus on the banking staff to refuse it.

But yes, its a stupid thing to do.

Ginger

Hell yeah! Hi can you cash this cheque for 1 million dollars.. i swearz its real!

unclebill98

Ginger wrote: »

Hell yeah! Hi can you cash this cheque for 1 million dollars.. i swearz its real!

exactly...

Sherifu

Ginger wrote: »

Nope as it can easily altered.. Also a while back when cheques were the most common of payment for large sums, you were supposed to write them in either black or blue pen as anything else wasnt always going to be accepted (red especially)

What's wrong with red?

unclebill98

Sherifu wrote: »

What's wrong with red?

Its rude

drunkmonkey

Sherifu wrote: »

What's wrong with red?

There's a few reasons...

Never write anyone's name in red ink (especially soldiers). Red ink represents the colour of death.

red ink traditionally was used to convey an insulting message - aka the teacher calling you a dope

Red ink is sometimes difficult to read. Especially for people with learning difficulties and dyslexia.

Red ink, normally, does copy as well as black ink in a copying machine.

Ginger

yeah its the photocopy thing thats the usual reason tho with the progression of photocopy devices its not so much of an issue anymore

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mikemac

Red ink fades after a few years afaik, far sooner than black or blue ink,
I completed a legal document in work and had to redo it and that's the reason given.

Don't know if it's true though and it isn't realy relevant to cheques.
I do remember when photocopiers could never handle red ink though