HOT CHECK DEPARTMENT

We recommend that your policy include the following: 

• OBTAIN PROPER IDENTIFICATION

Always ask to see the check writers Texas driver's license. A valid Texas driver's license or an identification cad issued by the Texas Department of Public Safety is the best means of positive, verifiable identification.

Record the number on the check. Also, record the date of birth on the check. If you transpose a number in the license, a search for the correct number can be done through "DPS" with name and date of birth.

Always examine the license. There are eight (8) digits and no letters in a Texas driver's license. Be sure the plastic casing on the license has not been tampered with and numbers or photo changed.

Be sure that the license has not expired. An expired license is invalid. Ask for a student ID if you know or feel this is a student at one of our local colleges.

• IDENTIFY THE CHECK WRITER

Always compare the Texas driver's license photograph with the check writer. Also compare the signature on the check with the signature on the license. Birth date and photo should be compatible. A person born in 1923 should not look like a young college student.

Be especially careful of printed driver's license numbers on checks. If this  is a stolen check, we have no one to look to for payment except the owner of the account. If someone is forging their checks, you can only help by verifying the person who is passing the check. 

Is the address complete? Obtain a permanent street address, not a PO box number or rural route and box number. All areas in McLennan County now have 911 addresses.

The person accepting the check should initial the check as a means of confirming that the ID. address, etc. was verified when the check was taken.