If you write that “cashing this check constitutes payment in full” on the memo line of a heck and then it is cashed, is that binding?

Asked on July 19, 2015 under Bankruptcy Law, Pennsylvania


M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

No, it is not.�Contrary to popular belief,�the memo line on a check has no legal force; it is for informational purposes only. While�this line�helps to identify the reason that a check was written, it does not bind the recipient in any way.�If it was that easy to alter the terms of a payment, everyone would do it. Also, as an other practical matter, not every check can be that closely monitored for such notations as it it would tie up commerce.

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