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Home >> Checks/Money Orders >> Checks You Wrote
Check Written Incorrectly: Now I'm in Big Trouble!
I wrote a check to my credit card company for $35.00 on the amount line and thirty five hundred on the other line. When I saw the check was paid for $3500, with only $100 in my account, I immediatly went to the bank, explained the situation and they changed it to $35.00. Then a month later, it comes back for $3500 with no money in my account and they pay it! When I went back to the bank, they said it should not have been changed the first time. I don't have $3500, what are my options?
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 Under the law, when two amounts are written on the face of a check, one in figures and the other in words, if there is a discrepancy between those amounts, the amount in words controls the amount of the check. Your bank should not have sent the check back if more than a day had passed since the check posted to your account.
What is surprising is that your bank later paid the check a second time for the larger amount, allowing your account to go overdrawn, unless whoever made that decision didn't know about the earlier mistake. Your bank could have bounced the check for insufficient funds and you would have been a lot better off.
One course of action is to try to obtain the funds back from your credit card company. That may be possible, if your credit line is sufficient. You could call to find out if there's enough room in your line. Another option is, if you have savings set aside, is to move some money from your savings to cover your overdraft. That might be the better course.
Published on BankingQuestions.com 4/20/09
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