Los Angeles herald., 1908-12-27

the pen have done much to depree1'' For
value of the paying teller S StdlilP' b,,+
merly false certificationS were ,,,oh
since the telephone has come nv S4ior
general use the means of qulck os the
have necessitated the procuring % ~
genuine Then it took days to learn VI ell ,e
fraudulent character of these checks wileI i e :
the same information can now De oplaiiieN
in minutes. . ~,
1'VVhat safeguards would you suggest IN
reference to these certlncatioI.s 81 80
THAT will prove to be difncult prop
lem to solve Teners are rushed with thelr
business, and one employing slow methous
quickly grows in disfavor. 1t is DANGER
Gus practice to certify checks When pre-
scented by others than the maker. Wheh
called upon to fix the responsibility OF the
bank by certifying a check the tellers
sbould he absolutely as certain of the sig
nature as they are that the funds are on
denosit to meet it, When presented by
messenger boys or strangers cafelui
comparison of the signature should De
made with the signature left at the pank
by the depositor to meet that very emer-
gency. The messengers number, name
and office address should be taken and kept
in a small book for that purpose.
often a few pertinent questions as to
where he received the check would not be
aniss, even If it looks genuine, and the
answers kept for future reference. These
questions ana answers hOulu uliuOuplShAJ
prove of value should the check later turn
out TO be spurious. In the case of an
ordinary 'layer down" being subjected TO
this ordeal nine times out of ten he would
become alarmed and try to escape. The
better way would be to have some person
other than the teller take the matter IN
hand and make the examination thorough
and after being convinced that the check
is all right pass it to the teller for his
stamp, certifying as to it's genuineness.
In the case of a forged check being pre-
scented the bank would escape the loss
and the guilty would be apprehended'
Should messenger offer a bad check
dummy package already prepared might
always be at hand to give to him to de-
liver and the boy followed. A short de-
Law at the critical moment, as l nave
already explained, might lead to the escape
of the forger or his assistant and be the
cause of a veXatious stern chase.
II have noticed that majority of checks
are offered between the third and the
twenty-fifth of the month - The greater
number of the depositors have their DOCKS
balanced between the last day and the
early part of the succeeding MONTH
should any fraudulent vouchers be DIS
covered then it would prevent the criminal
using more than one or two cheeks IolloW-
ing the first successful attempt by De
ginning in the early part of the month,
and the first check going through all right
7 have known eighteen or twenty checks
n mass muster and not be discovered until
the depositor had looked his vouchers over
when. of course, there would be hue
and cry.
mo check should be fully written out by
one person. The body of the cheek ought
to be filed in by some one other than the
maker. This increases the difficulty OF the
forger, who perhaps is not provided with
more than one genuine check as modei' TO
correctly fill in the pody of a forged check