How do I print Chase's checks

Cashing checks via photo

JoeTaxpayer

Not illegal. As for littleadv's response, printing a check isn't illegal. I can order checks from cheap check printers, and they have no bank relationship as long as they have my routing number and checking account number, they print them. Years ago (25+) I wrote my bank account details on a shirt in protest of the IRS money and my bank cashed it. They charged a fine of about $ 20 for a non-standard size check or something similar. But in fact, stupid young people scold aside, you can handwrite a check on a piece of paper and it should be clear. The missing factor is the magnetic ink. But I often see a regular check with a stripe on the bottom when the magnetic stripe fails, proving that bad ink won't prevent a check from being erased.

As long as the person trying to send you the money doesn't deny the transaction (and the check is made out to you, I suppose they couldn't even do that), this process should be easy. I see little to no risk as long as the image isn't intercepted along the way.

user4951

I would have chosen this as an answer if not because I want a second opinion. In any case, the bank will see a photo of the check anyway. So things like magnetic ink have an effect at all.

user4951

Oh yes, you can always order checks from cheap check printers.

JoeTaxpayer ♦

Correct. In my long-winded, logical way, I built a suitcase that ranged from the bank check to the handprint to the photo. The magnetic stripe was just a tangent. Thanks for the 'best answer'.

user4951

Hell anytime. However, the other answers received more votes. I'll ask this elsewhere to make sure. Not a very common route. With this type of information, Paypal would go bankrupt. I will ask for regular billing.

littleadv

@ JoeTaxpayer I'm not sure you're right. Printing checks can very well be illegal if it's someone else's checks, if it's not in the US, if it's unauthorized, etc.

littleadv

It could be illegal for the exact reason you stated: Printing checks seems like counterfeiting checks . Banks in the US are allowed to do this, and the only condition you can do with your iPhone (even in the US) is the same as banks: you can present the original check if requested.

If the whole thing is legitimate and no one will dispute the check (= no one will ask you for the original), it could of course work (apart from legal issues). It works in the US.

Beware of several things:

  1. It might not work. Banks can ask for the original. If you can't create one on demand, especially if the transaction is reported as fraudulent, you can get into big trouble.

  2. Photocopy checks may not be legal in your jurisdiction (you are not in the US, need to check local laws).

  3. Photocopy checks can result in images Not can be stored (like the word VOID that appears everywhere). This doesn't usually happen when you take a snapshot with an iPhone, but it does (as I looked for records myself while scanning) when you scan.

  4. Scan / image deposit is usually limited to small amounts (I know Chase limits it to several hundred, I had trouble depositing $ 2,000 checks with them over the phone).

MrChrister

Are you sure you can ask for an original? My bank expressly requests that I destroy the check after 14 days. But +1 for the limit; my limit with schwab is also pretty low.

Natwar Lath

I also believe that low value checks could be cashed by the bank without proper verification. For security reasons, the bank cannot process the transaction for higher reasons.

littleadv

McCrhister, IIRC, you should at least keep it until the statement is published

fennec

After I deposited a check remotely, my bank instructs me to keep the original, write "electronically processed" on the front, and destroy it after 45 days. Your bank will certainly give instructions, probably similar instructions.