Can You Fax a Check? Yes. Follow These Steps to Do it Safely
There are probably a dozen ways of sending money that are easier than faxing a check. Even so, it is still possible and legal to send a check with fax — and you might find yourself in a situation where it’s your only choice. If you ever need to fax a check, it’s important to follow a few steps to make sure it’ll work properly and that you’re doing it securely. What to know before you fax a check Most people moved on from faxing, but the technology still works, and it is still around. Some businesses (typically in highly regulated markets) and some government agencies still rely on the ability to work with faxed checks. There are individuals who prefer faxing checks when they need to pay a business with a check by a certain deadline and wouldn’t be able to mail it in time. Since a fax goes through instantly, it can help save you from late fees if you find yourself in that unlikely situation. Additionally, faxing a check is also secure because it leaves a paper trail for you to prove that you sent in the check by a certain date. Before you fax a check, there are a few things you should do first to ensure it goes well. Confirm that the business accepts checks. In most cases, if you’re faxing a check to businesses, it’s because they’ve specifically requested you to do so; if they haven’t, double-check before you send a faxed check that won’t be accepted. Make a photocopy of your check. Most fax machines require full-sized paper to send faxes, so a check is likely to be too small to put through the machine. Make a copy of the check first on printer paper, and hold onto the original. Find a fax machine or an online fax service. You can send faxes with almost any computer or cellphone if you use an online fax service, or you can go to a print shop or UPS store to use an analog fax machine. If you have your own Multi-Function Printer (MFP) at home, you might be able to send a fax using that. Draft a fax cover sheet. Faxes need cover sheets so the recipient knows what they’re getting. Write that you’re sending a check for a certain amount and include the reason you’re sending the check—for instance, “Payment for account 123.” Fill out the check memo. This can also be, “Payment for account 123,” or whatever the reason is that you’re sending the check. This goes in the memo field of the check itself. Keep the company’s contact information close by. You’ll obviously need the fax number, but you’ll also want to follow up with the business via phone or email as soon as you send the fax to make sure it went through. Be aware of the potential security issues with online faxing, and take steps to mitigate them. While most cloud faxing services are highly secure, it’s worth taking the time to make sure the service you choose is reputable and has security safeguards in place. For maximum security, look for services that have been around for a while, as well as those that are designed to comply with industry regulations like HIPAA. While you aren’t likely to be sending any healthcare information along with your check, merely complying with those kinds of regulatory measures is a good indication that it’s secure enough to cover financial matters as well. What is the best way to fax a check? You can either send a fax the old-fashioned way by using an analog fax machine, or you can use an online fax service. Most people prefer to use an online fax service these days because of the convenience and lack of hardware. I know I do. For example, online options allow you to send a fax from your iPhone or Android. That’s usually a lot more convenient than tracking down a fax machine or ordering a fax modem to enable your computer to send faxes. Online fax services are generally very secure — especially if you’re using one that’s been designed for sending financial, legal, or healthcare documents. They’re generally very cheap, too, with a range of prices based on the volume of documents you need to send. Additionally, online fax services allow you to send and receive faxes from anywhere, and without having to pay for a fax machine, paper, or ink toner. The whole process is more similar to sending a scan via email than the traditional process of sending a fax — you just type in a phone number instead of an email address. If you’re working with a business that requires you to send faxes via an analog machine in the first place, then there’s not much you can do about that. Ultimately, you may have to fax using the preferred method of the person or business you’re sending the check to. How to fax a check using an online service Sending using a good online fax service is straightforward. There are a number of easily accessible, low-cost fax services available online, from basic services that send simple faxes to more complex services with advanced security, fax history, email notifications, and more. You do not need a landline to send faxes with an online service. You just need an internet connection, the fax provider will host all the traditional infrastructure required to send and receive faxes. If you are using a Voice over Internet Protocol (VoIP) phone service, your provider may offer online fax features you can use right away without having to sign up for anything new. Bear in mind, fax is a separate service from VoIP — not every provider offers it, and fax may be an add-on service. DOWNLOAD this VoIP Solutions Feature Comparison from TechRepublic Premium While the exact steps for sending a fax using an online service will vary depending on the service you choose, the steps will generally be the same.
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