Banking Category Banking: the easy, simple banking guide

How to cash a torn check

Payday just hit and you open your check, only to accidentally rip part of it, or worse, rip it in half. You're probably wondering if you're going to have to request a new check, how long it will take to arrive and what you're going to do without the money. The good news is unless you tear the check into tiny pieces or rip a part of the check and lose it, banks are understanding and will most likely cash the check.

Take the check to the issuing bank. You may have a difficult time getting a bank other than the issuing bank to cash the check, due to problems that could arise from the automated processing between the banks. Other banks could also be more sceptical about whether the check is legitimate or not.The name of the issuing bank is typically printed at the top right or bottom left corner of a check.

Explain to the teller how the check ripped, such as accidentally ripping the check by opening it, or if it got caught underneath something and you tried to pull it away.

Show a form of identification, such as a state-issued identification card or driver's license. Sign the back of the check in the endorsement area.


  • You will most likely be unable to cash a check if you are missing an actual piece of the check. For example, if the check is ripped and the account number or amount is missing, banks will not cash the check for you, and you will have to request a new check.