ng a Check That Cannot Be Raised-Writers Who Are Easy Marks for Forgers-Safeguards for Those Who Write Checks-An Example of Raised Checks-Payable "To Bearer" is Always a Menace-Paying Teller and a

k at a teller's window the amount of the check shall be determined by the amount spelled out i

ither amount. There is no law, written or unwritten, to justify the paying of the amount spelled out in the body of the check, regardless of the group of figures on its face. This figure group is designed mere

r payment manifestly has been a party to the mistake in not having read over the check carefully before receiving it. If the payee is unknown to the teller

y to write the amount in letters on the center line of the body of the check, affixing the fractional part of a dollar in the form of 100th parts of that unit. In writing the checking group in figures at the upper or lower corner of the slip, his chief con

and out of business. Even when the best of the chemical papers are used in the bank check the drawer of the paper may have not the slightest protection from "raising" at th

o draw his check for $4, even. He takes his check book and in the dollar line writes the word "four" in his rounded hand, simply filling the rest of the lined space with the plain flourish

ck is the best possible precaution against raising it. For with many checks the printed warning "Not good if drawn for more than one hundred dollars," is a worthless precaution. In the above example it is so, for the reason that raised as it is the amount still is within the limit. Had the check been drawn in the same style for "six" dollars, it wo

hile a bank may require the holder of a "bearer" check to indorse his name upon the back, that indorsement means nothing to him. Th

nk signature will be woven through the red-ink group. Virtually there is no way of getting around this form of duplicated amount. The red figures show plainly through the signature and cannot be changed without affecting the form and character of the signature itself. To affect a signature in this way is to call attention to the fraud in