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It's typical to draw a long line after the written-out amount on a check:

One hundred twenty-three and 45/100 -​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-​-

What does this accomplish? Without it, someone could change it to:

One hundred twenty-three and 45/100 and one thousand

which technically does change the value from $123.45 to $1123.45, but isn't it obvious to anyone who's reading the check that that is fraudulent?

Someone
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    I draw a line rather than writing 00/100 or 'even' or 'and no cents' because it is faster. Drawing the line after writing out the fractional cents doesn't do much but is habit for some. – Hart CO Sep 02 '22 at 19:19
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    In your case the line is largely irrelevant, but imagine you'd just written "One hundred twenty-three" and the nefarious cheque thief had altered it to read "One hundred twenty-three *thousand"* – Valorum Sep 03 '22 at 13:55
  • I was taught to make a big slash and then a line: ----/Eleventy one/---- – Jonathan Sep 04 '22 at 08:42
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    About thirty years ago someone modified a check I wrote and added "and a thousand" to the space, with the appropriate added zeros. Childish, of course, but an attempt was made. Lots of law enforcement agencies got involved as there were wire implications (somehow), mail fraud and, of course, financial fraud/theft. They did find the person involved, somehow. – JohnHunt Sep 04 '22 at 21:38
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    Why has nobody yet pointed out that such a line on a check has a name? It's called the meganegabar: https://mathjokes4mathyfolks.wordpress.com/tag/sniglet/. – KCd Sep 05 '22 at 07:29
  • The line uses up the free space, indicates your intent, and obstructs any fraud attempt, regardless of how foolish it might be. It's basic security measures. Why allow any fraud attempt at all when this simple measure stops it? –  Sep 05 '22 at 14:32

2 Answers2

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In your example the line is of basically no value.

However, I have one bill that's always $70. If I write "Seventy" someone could modify that to "Seventy nine and 99/100". If I write "Seventy---------" they can't modify it.

Loren Pechtel
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It's an attempt to prevent check washing. Probably not super effective these days but it does make it slightly harder.

When a check washer gets ahold of a check, they use a chemical like acetone (most checks are now designed to react to acetone as a countermeasure) to remove the existing ink and to change the payee, the amount, or both. Then they re-write the check and deposit it. Even if the criminal successfully removes the ink, they can't remove the indentations the pen made in writing out the check (or at least smoothing out the area adds extra complexity to the process).

In the days when checks were deposited by handing a physical piece of paper to a physical bank teller, having the line made it a bit easier for that teller to notice that the check had been washed if the new amount extended over the erased line (as would normally be the case if a leading digit was added). Not foolproof by any means but a reasonable security layer particularly where it makes the check feel "off" enough that a busy teller pauses to give it a second look. In today's world where only photographs are exchanged in the vast majority of cases, it's much less useful.

Greg Martin
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Justin Cave
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    Cheque security has always been a joke. The idea that tellers were trained to look for minute lines on washed cheques is up there with the "TV Detector Van" – Valorum Sep 03 '22 at 13:57
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    @Valorum I certainly was!! – deep64blue Sep 04 '22 at 03:46
  • Why don't they just print checks with ink similar to pen ink, so if someone washed the writing out, it would also wash things like the account number out? – Someone Sep 05 '22 at 02:32
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    @Someone - If you're washing a check, you'd apply the chemicals just to whatever bits of ink you want to remove. Companies do print checks on paper that are designed to react to chemicals that check washers use. Of course, that just leads check washers to change chemicals, banks to find new paper stock that reacts to those chemicals, etc. Plus, the routing number and account number on checks will be printed with a special magnetic ink that is designed to make optical character recognition easier and more accurate. – Justin Cave Sep 05 '22 at 07:53
  • Magnetic ink might well be used, but in the UK at least, cheques are transferred and handled as black-and-white images. There's some fairly sophisticated software behind it which will attempt to read payee and amount on submission, but if the writing is in the right place on an otherwise blank piece of paper, it will be accepted. – Andrew Leach Sep 05 '22 at 12:51
  • @JustinCave I doubt it's the paper per se, more like a treatment on it. Must find an old chequebook (UK) and test vs acetone and lab alcohol, both good for ballpoint ink. I suspect the paper cheques are retained in case of suspected fraud, but now that you can apparently (it's never worked for me) pay in by taking a picture in an app, I'm not sure how good that would be – Chris H Sep 05 '22 at 15:43
  • I've done a bit of a test with acetone. On cheques from one bank there's a light blue background print of closely-spaced wavy lines. A few drops of acetone reduce that to a blue coffee ring effect. On another the background print is pale grey and less detailed. You still get a very faint ring as the ink flows to the edge of the solvent drop. There's no dramatic reaction. The pre-printed black test and OCR numbers aren't affected but any print in a bolder version of the background colour is. – Chris H Sep 08 '22 at 14:42