From Me-To Me

A check written from a client's account that is drawn on another financial institution is considered a From Me-To Me item. 

From Me-to-Me items could be a sign of kiting. Depending upon the client's average account balance, Non-sufficient Funds (NSF), and Over Draft (OD) activity, a 7-day exception hold may be appropriate.

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Post (Future) Dated Checks

Capital City Bank (CCB) Terms and Conditions states the following:

"The Bank shall not be obligated to take notice of or honor any condition placed on items by depositor or any person", "The bank may pay such items without regard to such conditions and thus constitutes ordinary care." However, the statement should not negate "reasonable precautions" when accepting checks. 

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Stale (Past) Dated Checks

CCB Terms and Conditions states the following:

"However, any check which is presented later than 6 months from the issue date thereof may be refused by the Bank as a stale dated."

Pay special attention to U.S. Treasury checks, state and local government checks and insurance checks. If any one of these checks is returned for being stale dated, the bank may be liable for the full amount of the item.

Even if a check does not have printed on the front, "Void after 180 days," it can still be returned by the paying bank as being stale dated.

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Domestic Checks Written In a Foreign Language

A check with a valid 9-digit Federal Reserve Bank routing number is considered a domestic check and can be processed. A domestic check that has the legal line and/or numerical amount written in a foreign language should be verified before processing.

If a domestic check written in a foreign language presented, contact a multi-lingual associate who can assist you in translating any foreign verbiage on the check. The multi-lingual associate's role is only to translate the information.

Follow all check cautions, policy and procedures, and seek your supervisor's assistance if you are unsure.

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CCB Counter Checks

Counter checks are used by clients for the purpose of consistently making withdrawals from their Checking or Money Market Account (MMA) . The use of pre-printed, encoded checks with the client's name and account number or CCB temporary checks is preferred.

On occasions when a client requests 1 counter check to make a withdrawal or to use to pay a bill, CCB supplies counter checks to clients for a fee of $1.00 per check.
    
Note: Before a counter check is given to a client, make sure that the client's name and account number are written on the check. Do not give clients blank counter checks.

Counter checks encoded with the clients account number can be ordered. Refer to Client Check Items form complete procedures and Other Services & Fees brochure for applicable fees.

• Verify the client's identity per Identification Verification procedures.
• Legibly write the clients account number and print the clients name on the check.
• The client can take the checks out of the bank for their personal use.
• Requests for a counter check in the drive thru requires extreme caution. 
  • It is preferred that clients request counter checks in the bank lobby. However, on Saturday or as an exception, a counter check may be given to the client in the drive thru.

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Fees

• Fees for the purchase of Counter Checks are credited to Miscellaneous Teller Fees GL # XXX 460450 6315 000.
• Client pays with Cash 
  • Teller runs GL Transaction - Speed Key F to credit Miscellaneous Teller Fees GL # XXX 460450 6315 000 and generate a virtual cash in. 
• Client pays with a CCB Check  
  • Teller runs GL Transaction - Speed Key F to credit Miscellaneous Teller Fees GL # XXX 460450 6315 000 and processes with the client's check.

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