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Writing my Account Number on my Check

I went to the bank today to deposit a check someone wrote to me. I noticed that the teller wrote my account number on the back of the check. Is this legal? Why would she do this?


Yes, it's legal, and it is not considered to be a violation of the customer's privacy. It is done to enable the bank to tie the check to the customer's account, so that if there is a problem with it -- for example, it bounces or turns out to be fraudulent -- the bank will know whose to which account it should be charged back. When you deposit any check, you receive what's called "provisional credit," subject to charge back. You receive final credit only when the check is finally paid, which means the bank on which it's drawn has accepted it and made arrangements to transfer funds to the bank that took it for deposit.

Published on 7/28/06