Verifying Cashier’s Checks

Because cashier’s checks can be faked, we must verify them before accepting as a form of payment.

They aren’t like personal checks where we can verify with the bank that the check has cleared. There’s no way to verify that a cashier’s check has “cleared.” We would only be notified if it didn’t clear.

The way to verify a cashier’s check is to call the branch of the bank where the check was drawn, tell them that you must verify the validity of the check before we can deliver merchandise to their customer. Usually banks will be helpful.

Do not use the bank phone number printed on the cashier’s check, if any. Look up the bank phone number online. If the check is fake, any phone number on it would likely be fake too.

We can’t accept cashier’s checks during times when the bank is not open to verify the check. Be aware that if the cashier’s check was issued that same day, we may not be able to verify it. Local bank branches don’t always answer the phones, and the 800# customer service cannot verify cashier’s checks issued that day.

We can take the check on deposit and verify it the following business day, but the customer will have to return to pick up the merchandise after the check has been verified.

The customer may also charge the sale on an American Express card and we will credit back the credit card once we can verify the cashier’s check.

If you know your customer will be paying with cashier’s check, ask them to purchase the cashier’s check the day before so that we won’t have any issues with verifying it.