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The issue in GetHuman1683571's own words
We opened our rewards check (FedEx package) from Pentair, who banks with BofA, and tore it across the whole check! It is still attached to the reward paper (with perforation to detach), and has a watermark. We are wondering if it would be better to bring it to a Bank of America branch to cash it, thinking that you might be able to verify the check, regardless of the rip. Capital One doesn't have tellers anymore to do this for us! Or is taping the rip fine bcs it has a watermark? *Julie
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