Actually, I just ran into this a couple of weeks ago, taking a check from a Craigslist sale without checking the amount in the box vs. what was written. ($125 vs. $100) I was told by the bank teller and manager that they were allowed to cash the check for the LOWEST of the two amounts. That was, according to them, the letter of the law.
Honest mistake, though. Buyer mailed me a new check that day.
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