Q:

What is a bank counter check?

A:

Quick Answer

A counter check is bank-provided check that takes the place of a personal check. Banks only issue counter checks to active account holders.

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Full Answer

Counter checks differ from both personal checks and cashier's checks. Unlike personal checks, counter checks do not include the account holder's name and address. A counter check has the bank's address, but it is printed with the account holder's account number.

Similar to a personal check, the issuance of a counter check does not guarantee that the funds are available. The only way to guarantee funds is with a cashier's check, as the amount is automatically debited when the check is issued. Depending on the bank, fees for counter checks and cashier's checks range from $1 to $10.

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