Can You Print a Legitimate Check From Email?

Printing a legitimate check from an email involves a “remotely created check” (RCC) or “demand draft.” These are payment instructions authorized by the account holder but printed by a third party or the payee. These documents function similarly to traditional checks for payment and deposit.

Understanding Check-by-Email Functionality

Printing a check from an email means receiving a digital file, often a PDF, that contains all the necessary banking information to create a valid payment instrument. These documents are commonly referred to as “remotely created checks” (RCCs) or “demand drafts.” Unlike standard checks, RCCs do not bear the customer’s physical signature; instead, they often include a statement like “Authorized by Drawer” in the signature area.

Remotely created checks are authorized by the account holder through various remote means, such as over the phone or online, allowing a business or payment service to generate the check on their behalf. This method is frequently used by utility companies, credit card companies, or telemarketers for bill payments or purchases. Their unique creation process allows for quicker generation and distribution, often via email as a printable file.

Requirements for Printing a Check from Email

To print a legitimate check from an email, the email must contain a properly formatted, printable check document, typically a PDF, from a trusted and legitimate sender. This document will include the sender’s bank account and routing numbers, which are essential for the check’s functionality.

Access to a functional printer is required to produce a clear and legible document. For authenticity and bank acceptance, it is recommended to print on blank check stock paper, which features specific security elements and is designed for Magnetic Ink Character Recognition (MICR) printing. While some services may allow printing on plain paper, using dedicated check stock enhances security. Specialized software, such as Adobe Acrobat Reader, may also be needed to open and print the attachment correctly.

Steps to Print and Use the Check

Printing and using a check received via email is a straightforward process. Begin by opening the emailed attachment, typically a PDF, or accessing the printable check through a secure link provided by the sender. Ensure your printer is loaded with the appropriate blank check stock or plain paper.

Before printing, verify your printer settings to ensure correct paper size, orientation, and quality, especially when printing the MICR line at the bottom of the check. After printing, inspect the physical check for clarity and completeness of all banking information and security features. Once printed, the check can be used for its intended purpose, such as depositing it via a mobile banking app, at an ATM, or in person at a bank branch.

Security and Validity Considerations

Prioritize security when handling checks received via email to prevent fraud and ensure validity. Always verify the sender’s identity to confirm the check originates from a legitimate source, as phishing attempts often involve fraudulent emailed checks. Examine the check’s authenticity by looking for proper formatting, the presence of a clear MICR line, and accurate bank details. Poor print quality, smudged ink, or missing security features can be indicators of a fake check.

Banks generally accept remotely created checks, but individual institutions or ATMs may have specific policies regarding their deposit and processing. Legitimate printable checks incorporate security features such as microprinting, watermarks, and specialized inks to deter counterfeiting. Maintaining secure computer and printer systems is important when handling financial documents to protect sensitive banking information. If there is any suspicion of fraud, contact the issuing bank directly using independently verified contact information.