- 1). Attempt to deposit the check. Your bank may decide to reject the deposit or may go ahead and accept. However the receiving bank may choose not to cash the check, causing returned check fees. Explaining the situation to your bank might get you out of the returned check fees, but consider whether the amount you can get from the check is worth the fees.
- 2). Present the check directly to the issuing bank. The bank may choose to cash the check or may reject it, but there will be no returned fees associated with this transaction. This method is not realistic if the bank has no branches in your area.
- 3). Contact the issuing party and request a new check be issued. Because this is money that the person or company owes you, they may still have a legal obligation to pay you. Many companies will reissue a check if you contact their customer service or accounts payable department. If you are required to send in the original check, be sure to keep copies of the original and any additional correspondence with the issuing party.
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