i need a check verification

i need a check verification
shannon asked this question 3 years ago
  • Bank of America • 361 answers • 87% helpful

    You can go into your local branch and ask any associate to verify the check for you as long as it is a BOA check. They will be able to tell you whether or not a check is good for depositing/cashing.

    1 other expert is backing this answer

  • 1706 answers • 88% helpful

    This expert is helping you out because there weren't many active Bank of America experts.

    Individuals and Consumers: For consumers or individuals, it is much more difficult to verify a single check because banks are being increasingly more concerned with privacy issues.

    A service is available to look up single checks by the routing number if you have a land line phone and are willing to pay the $5 for the phone call. The number, to verify a check as of February 23, 2011 is 1-900-868-2995, and you can verify two checks at a time.

    If it is a cashier's check, you can contact the bank it was issued by and tell them that you need to know if a check is good. With the account information and check number, they can tell you if it is an account that is in good standing and if it has the funds to cover the amount listed on the check.

    Business Options: For business, services like Telecheck, BetterCheck, Certegy, CheckSystems and others can provide accurate and instant verification for most checks. Systems like Telecheck use the check writer's history and identification to gauge the likelihood that the check will be good, where networks like BetterCheck will give the account status as of that day.

    Guaranteed Verification: Of course, the only sure way to verify a check, is to take it to the bank that issued the check and ask them to make sure the funds are available.

    If you take it to the issuing bank, you can get cash for the item on the spot. This is much safer than depositing the item into your own account.

    If you deposit the item into your own account, you will be 100% responsible if it is returned for any reason. The depositor is responsible for the full face value of the check, plus fees and you could open yourself up to prosecution for depositing a false document in some cases.

    When you take it to the bank that issued the check, you can walk away with real cash for the item and there is no recourse for the bank unless you know the item is a fake.

    Getting Around the System - Back Door Verification: There is yet one more way to verify a check on an account and that is to have the account holder on the phone with you, call the bank and have the teller verify the account holder and listen to the verification while it is going on.

    If you have a check and the account holder's social security number or tax ID, you
    may be able to log into via the bank's telephone banking system and verify the item yourself.

    1 other expert is backing this answer

  • Bank of America • 1945 answers • 94% helpful

    If you're referring to verifying the funds for the check, that can new done at any branch. Phone associates can't discuss an account with a non-owner.
  • Bank of America • 966 answers • 78% helpful

    If you are a bank of America customer you can log in and verify a check online via Online Check Verification:


    Hope this will help.