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Hot Check Home
Office Locations &
Phone Numbers
Accepting a Check
When a Check is
Returned....
Hot Check Office
Procedure
Hot Checks More Than 30 Days Old
Maximum Penalties
Hot Check Active Warrants
Hot Checks we do NOT
Prosecute For
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Accepting a Check from a Customer
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Prevention is the
first protection against a hot check. You and your employees must be thorough with
every check you accept. Set a consistent policy on the handling of all checks so that
your customers will not have any reason to feel they are being treated unfairly - and so
that any hot checks will be prosecutable. Have the following checklist available for
your personnel, and adopt these hints as part of your check policy:
- IS IT DATED TODAY?
Checks must be dated the same day they're given. Post-dated checks are not
"hot checks" under the law and cannot be prosecuted unless
means of criminal intent can be proven.
- IS THE SIGNATURE LEGIBLE?
Do NOT accept checks previously signed. Have them signed in your presence
and compare with a driver's license or other signature ID.
- IS THE ADDRESS COMPLETE?
Require a permanent street address, not a P.O. Box number unless you know the check
writer.
- CAN YOU CONFIRM IDENTITY?
Every kind of ID, including driver's licenses, can be forged. Rely on ID with
photographs and physical descriptions. If the ID is suspicious, ask the person to
hand it to you and then ask his address and/or birth date. If not his license, the
person may be caught off guard and give the wrong information. A
SSAN is not an acceptable ID. No information about a person can be
obtained from this form of ID.
- RECORD INFORMATION ON THE CHECK:
At a minimum, the following must be written on the check by the person accepting the
check:
----The number and issuing state of the driver's license or state identification.
----A Complete Address.
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