If you accept checks in your business, it’s essential to teach employees the check-taking policies and procedures they must follow when accepting every check. It is vital to stress the importance of this policy to your employees. When policies are clear and posted, then no customer should feel they are being singled out or treated unfairly.
Below you will find some recommendations issued by State Attorney Phil Archer, 18th Judicial Circuit. We think it’s worthwhile to pass them along.
Whether you are an individual accepting a check for a purchase at your garage sale, or a business accepting payment for goods and service:
- Do make sure to collect information that identifies the person who wrote the check.
- Do Not agree to hold a check for any length of time or for any reason. The attorney general cannot file worthless check charges if there is any type of agreement to hold the check.
- Do Not accept checks that are already signed. Be sure the check is signed in the presence of the person accepting the check. In the case of company checks, it is vital that the signature is legible. If not, ask the person signing the check for his/her name and note the name on the check.
- Do Not accept a check if you have any reason to believe the check might not be good. Require another form of payment.
When accepting checks, require the following: home phone (or business phone if it is a business check), date of birth, current residence, place of employment, sex, color and height of person writing check, driver’s license or state photo ID, state issuing the ID.
Contact the state attorney’s office in your district if you encounter a problem. If you have received a bad check, Daley Law advises individuals and businesses to explore their options under the law.