A written order instructing a bank to pay upon its presentation to the person designated in it, or to the person possessing it, a certain sum of money from the account of the person who draws it.
A check must contain the phrase "pay to the order of." A check differs from a draft in that a check is always drawn on a bank, while a draft is an order for payment drawn on anyone, including a bank, a person, or a trading account with a company.
A blank check is one that the drawer signs but omits filling in the space for the name of the payee, the person in whose favor a check is drawn, or neglects to fill in the space for the amount to be paid.
A cashier's check is one that the bank draws on itself and is signed by an authorized bank official. The bank lends its credit to the purchaser of the check in order to facilitate its immediate use in commercial transactions. It is a direct obligation of the bank.
A personal check is one that the individual draws on his or her own account.
A postdated check is one that bears a date after its date of issuance, and is payable on the stated date.
A traveler's check is one purchased from a bank, express company, or other financial institution in various denominations, and is signed immediately by the purchaser in order to establish the form of his or her signature. The check cannot be treated as cash because of this first signature, but it is treated as cash upon the purchaser's second signature when he or she uses it. The genuineness of the second signature is established by comparing it to the initial signature. A traveler's check is similar to a cashier's check of the issuer.
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