4 ms·

The OP said "write a check" which implies a personal check. A cashiers check is better than a personal check, but not forge-proof. For a business, there are di

The OP said "write a check" which implies a personal check. A cashiers check is better than a personal check, but not forge-proof. For a business, there are different rules and risk thresholds. But for me, if I'm selling something valuable (car, high-end bicycle) to an untrusted party, it's cash or wire.

crazygringo 4y ago
It is forge-proof because it's standard practice to call the bank to verify it's legit. If you're selling something valuable, cash can be counterfeit and you can be robbed. Cashier's check is standard and always possible, and I can't imagine why you wouldn't accept it. Wire is a good extra option but it's not always possible.
- MerelyMortal 4y ago
  "standard practice" ≠ forge-proof. That's the most absurd thing I've read today.
  - crazygringo 4y ago
    I mean call it "scam proof" if you want to be pedantic? Point is, if you want to make sure you're not scammed by a forged cashier's check, you can easily do so. You can protect yourself from being scammed by a forgery, so it doesn't seem unreasonable to call it forge-proof.
    - omgbear 4y ago
      So get a cashier's check from the bank. Forge a second copy. Now any caller to the bank will get an okay. On deposit, bank, with better abilities to detect fraudulent paper will determine one of the two is not real. That doesn't seem forge-proof. Bounce proof maybe, but that assumes you can tell the document in your hand is the original.
      - crazygringo 4y ago
        That's not going to work. The cashier's check has to be made out to a payee, so it's going to have your name on it. If someone forges a second copy and changes the payee, you'll find out the check wasn't written to you when you verify it. So no, it is completely untrue that any caller to the bank will get an OK. Only someone with your name will. If the bank confirms the check's info, it's good.

crazygringo 4y ago

It is forge-proof because it's standard practice to call the bank to verify it's legit. If you're selling something valuable, cash can be counterfeit and you can be robbed. Cashier's check is standard and always possible, and I can't imagine why you wouldn't accept it. Wire is a good extra option but it's not always possible.

MerelyMortal 4y ago
"standard practice" ≠ forge-proof. That's the most absurd thing I've read today.
- crazygringo 4y ago
  I mean call it "scam proof" if you want to be pedantic? Point is, if you want to make sure you're not scammed by a forged cashier's check, you can easily do so. You can protect yourself from being scammed by a forgery, so it doesn't seem unreasonable to call it forge-proof.
  - omgbear 4y ago
    So get a cashier's check from the bank. Forge a second copy. Now any caller to the bank will get an okay. On deposit, bank, with better abilities to detect fraudulent paper will determine one of the two is not real. That doesn't seem forge-proof. Bounce proof maybe, but that assumes you can tell the document in your hand is the original.
    - crazygringo 4y ago
      That's not going to work. The cashier's check has to be made out to a payee, so it's going to have your name on it. If someone forges a second copy and changes the payee, you'll find out the check wasn't written to you when you verify it. So no, it is completely untrue that any caller to the bank will get an OK. Only someone with your name will. If the bank confirms the check's info, it's good.