Protect Yourself – Part 2

Identity theft protection tips for those using hard copy checks:

1. Omit phone number on checks. If necessary, put a work or cell phone # on checks instead of  home phone.
2. An address is not required. If necessary, use a PO Box instead of  home address on checks. If you do not have a PO Box, use a work address. 
3. Never print a SS# or head shot photo on checks.
4. No need to preprint full legal name or designate Mr & Mrs, Ms, etc on a check. Last name is sufficient if any.

Preprinting last name and cell number on a check is sufficient. Remember the required pieces of data on a check in order to cash it are: check #, date, $ amount, pay to the order of, dollar amount (spelled out), signature, issuing bank name, account # & routing number and endorsement.  

The typical preprinted info is to assist the payee in applying a payment correctly to an account or mailing a thank you card.  Avoid mistakes by printing clearly and using the memo field for account and/or invoice number instead.

For more info check out http://www.ehow.com/facts_5678526_required-information-checks.html.   Please share this with youth who are going to college and/or new at protecting their assets.  cathyg

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