Dealing with Photocopied Checks: Can They Be Deposited?

When it comes to depositing a check, there is a common misconception that a photocopied version of a check can be used. However, most banks require an original check for deposits to ensure authenticity and prevent fraud. In this article, we will explore the reasons why you generally cannot deposit a photocopied check and discuss alternative methods for handling checks when you are unable to access the original document.

Can You Deposit a Photocopied Check?

Typically, depositing a photocopied check is not a reputable or secure method. Banks require the original check for a variety of reasons:

To ensure the check is genuine and not counterfeit To verify the check’s authenticity through watermark and security features that are not visible in a photocopied image To prevent fraud and mitigate risks associated with a photocopied document

If you have a check to deposit, it is crucial to present the original document to your bank. If you find yourself in a situation where you cannot access the original check, you should contact your bank for guidance on the appropriate actions.

Alternative Methods for Depositing Checks

While it is generally not possible to deposit a photocopied check, there are alternative methods to handle checks when you are unable to access the original document:

1. Online Banking

Using online banking allows you to deposit checks by taking photos of the front and back of the check and uploading them through your bank's mobile app or online portal. This method is widely accepted and provides a convenient way to deposit checks even when you are out of the country.

Example:

Mel, one of the contributors, deposits checks via online banking. He simply photographs the front and back of the check and submits it through his online banking portal. This method works effectively when he is out of the country and relies on a friend to take the photographs and send the images via email.

2. Mobile Services from Financial Institutions

Many banks offer mobile services that allow you to deposit checks remotely. These services send an unsolicited message to your mobile device with a designated QR code for the deposit. You then take a high-quality photo of both sides of the check, scan the QR code, and follow the prompts to complete the deposit process.

3. Barcoding and Online Banking

Some banks, like Barclays, support depositing checks via barcoding and online banking. This involves taking a clear photo of the check and barcoding the image before uploading it to the bank's system.

Example:

As mentioned by Mel, he knows that he can deposit a check via barcoding through his bank, Barclays. This process is more convenient since most banks now employ the Faster Payment system, which ensures that the money reaches its destination in a timely manner.

Therefore, when it comes to dealing with photocopied checks, it is essential to understand the limitations and seek alternative methods provided by your bank. Online banking, mobile services, and barcoding are efficient and secure ways to handle deposits even when you cannot access the original check.

Additional Considerations

It is worth noting that using alternatives like online banking are not only secure but also convenient. Mel managed to handle a refund for one of his corporations by depositing the check to an active account without any issues, highlighting the reliability of online banking services.

Similarly, he dealt with a recent issue where a former employee deposited checks through online banking. Although the checks were processed late, the risk to Mel's finances was minimal due to his personal connections and the ability to directly manage the transactions with the bank.

In conclusion, while photocopied checks cannot be deposited, there are numerous alternatives available that make handling checks easier and more secure.