Cashing Checks with Discrepancies: Understanding the UCC

The Uniform Commercial Code sets rules for cashing checks containing two different amounts.

Receiving a check containing a different written and numerical amount can be confusing. Most people believe that the check must be rewritten, but according to the Uniform Commercial Code, this is not the case. The Uniform Commercial Code (UCC) is a set of rules that have been set to synchronize commercial transactions in all 50 states. In Section 3-114, the UCC states: "If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers." All banks follow the UCC, and according to the code, the bank must cash the check using the written amount, over the numerical amount.

Step 1

Take your check to the bank. A check containing two amounts is not common. It is best to take the check directly to a teller.

Step 2

Present the check to the teller and inform her that the two amounts differ. She may require additional assistance from the teller manager to verify the payment method.

Step 3

Receive your money. You will receive the written amount of the check.

Tip

This type of transaction is uncommon. If the bank refuses to cash the check, print a copy of the Uniform Commercial Code, Section 3-114 for the bank to view. The bank will then cash the check.