Whether or not a torn or ripped check can be cashed or deposited generally depends on the damage or the condition the check is in when it is presented the bank.  In most cases, a ripped check does not present a problem and can be processed like any other check deposited or delivered to a bank.  If the damage to the check is minor and it appears that there were no alterations done to the check, the bank should accept it as is.

Situations that may require the check holder to obtain a replacement check include checks that are missing key information such as the date, signature, payee field, dollar amount of the check, and the information found on the MICR line of the check which includes the bank routing number and the check writer’s account number.

A bank may reject the check if the condition of the check makes either reading the data difficult or establishing the check writer’s intention is questionable.  If a check writer had ripped up a check with the intent to invalidate it, the check is void.  If someone taped it back together, the bank would in a tough position to determine the writer’s intent and it would be reasonable for the bank to refuse to honor the check or place a longer hold on it.

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