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No pen is completely fail-safe, but gel pens are the safest bet: Unlike ballpoint pens, whose ink sits on top of the paper, gel is more difficult to wash because the ink penetrates the fiber of the paper, ing to Karen Boyer, a check fraud expert.
The most straightforward replacement for checks, debit cards offer the same direct access to your checking account without the hassle of paper and ink.
The word researcher Barry Popik () states as follows: Dont let your mouth write a check (or checks) your body (or ass) cant cash has been used in black English since at least the 1960s.
Use Permanent Gel Pens Just like wearing a seatbelt when you fly, use permanent ink when you write a check to protect yourself. Avoid Blank Spaces Make sure you fill out every blank space on a check so criminals cant fill them in instead.
From an item processing and imaging standpoint, stick to permanent black felt tip pens. This will provide you the most protection. Gel pens and other colors do not image well and will cause you problems if you ever need a clear copy of the check from the bank.
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Cashiers checks are signed by the financial institution rather than the customer, and the banks account is used for the check. That often makes these checks generally considered safer. By contrast, certified checks are signed by the account holder, and the signature is then certified by the bank teller.
A lost or stolen checkbook is a treasure trove for criminals. With access to your account number and personal information, they can easily forge checks and conduct transactions in your name. While banks do their best to flag and prevent unauthorized transactions, you may still suffer significant financial loss.

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