Once youve verified that the cheque is authentic and properly made out to you, deposit it into your bank account.Now that ATMs are so common all over the world, travelers cheques arent as commonly accepted but you can still exchange them for cash in banks and change bureaus, and use them like personal checks at some businesses.Tip American Express travelers checks dont expire, so you can use them any time.
Once youve found a bank or business that accepts travelers cheques, fill out the check and countersign it just as you would a personal check from another party or a payroll check. Buying Your Travelers Cheques You can purchase American Express travelers cheques at many banks and credit unions and at American Express service locations around the world. Note: American Express travelers cheques are available in U.S. British pounds sterling. In most cases, youll be charged a commission andor exchange fee when you buy your cheques. If you hold an American Express card or have a AAA card, you can buy travelers cheques for no commission. AAA cardholders will need to buy through AAA.) As soon as you buy your travelers cheques, sign them in the upper left-hand corner. If youve purchased a cheque for two that can be used by either of two travelers, youll both need to make this initial signature. Purchase Amex Travelers Cheques Online Serial Number OnTip When you buy your travelers cheques, make sure to record the serial number on each cheque and keep the list in a safe place, separate from your travelers cheques. Purchase Amex Travelers Cheques Online Serial Numbers To ArrangeIf your cheques are lost or stolen, youll need to provide those serial numbers to arrange a refund. Using Your Travelers Cheques When its time to use your travelers cheques, date the cheque in the upper right-hand corner and fill out the pay to the order of field, just as you would a personal check. Make sure the cashier watches you countersign the check in the lower left-hand corner. The cashier will verify your signature against the previous signature from the upper left-hand corner. If theres any change left over from the transaction, youll receive it back in cash. Some larger hotels and other businesses still accept them, too. That said, not as many businesses accept travelers cheques as they once did, so its best to confirm in advance whether your cheques will be accepted. Also, ask if the merchant collects any commission fees when you make your purchase. First, have the buyer sign the lower left-hand corner of the cheque while you watch; then verify that the result is a reasonable match for the signature in the upper left corner. Next, hold the cheque up to the light to see its security features. Youre looking for a Centurion watermark in the white area of the cheque and a security thread in the middle. You should be able to see both features from the front and back of the cheque. Also, the color on the Centurion and American Express logo should change as you view the cheque from different angles. Finally, American Express recommends calling them to authorize the cheque before you complete the transaction.
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