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Could You Deposit One of Those Giant Novelty Checks?

Win a golf tournament, a sweepstakes or the lottery, and you usually get two things: One regular check for your winnings and one oversized cardboard one for photo opportunities and framing above your fireplace. What if you wanted to take the big one down to the bank, though? Could you deposit that behemoth?

Hypothetically, yes, if it’s got the right stuff on it.

A valid check has to have certain information right on it: the account owner’s (payer’s) name and account number, the name of the bank where the payer’s account is held (along with the bank's state), the date, an instruction to pay another party (e.g. “pay to the order of”), the payee's name, the dollar amount of the check in numerical and in written form and the signature of the account owner.

Beyond that, there’s a little bit of wiggle room as far as the material and dimensions of a check. There’s no standardized size (my checks from mental_floss, for example, are several inches longer and taller than the ones I get from some other publications). There’s no special check paper, and plain old printer paper is fine. You can buy software to design and print your own checks at home.

Paper might not even be a necessity. There are plenty of stories out there, no doubt some of them apocryphal, of people writing checks on cocktail napkins, doors, human flesh and the shirt off their back (that one supposedly got sent to the IRS), and having them accepted.

The Fine Print

The big cardboard novelty check seems tame, even downright normal, compared to some of these, but don’t push your luck too much. While an oversized check, shirt-check or door-check is valid in theory, many banks have rules (often included in the agreement you sign when you open an account) about the form of documents used for an account. These include what they will and won’t accept as a check, and usually enable them to reject a check or other document that doesn’t meet their standards. One bank might require that you must use the checks issued to you by the bank or a printing company it partners with, while another might regulate the material documents can be written on.

If your bank doesn’t have any such rules, your giant check, with the correct info, should pass muster. Just don’t try and deposit it at an ATM.

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Big Questions
What's the Difference Between Gophers and Groundhogs?
Gopher or groundhog? (If you chose gopher, you're correct.)
Gopher or groundhog? (If you chose gopher, you're correct.)
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Gophers and groundhogs. Groundhogs and gophers. They're both deceptively cuddly woodland rodents that scurry through underground tunnels and chow down on plants. But whether you're a nature nerd, a Golden Gophers football fan, or planning a pre-spring trip to Punxsutawney, Pennsylvania, you might want to know the difference between groundhogs and gophers.

Despite their similar appearances and burrowing habits, groundhogs and gophers don't have a whole lot in common—they don't even belong to the same family. For example, gophers belong to the family Geomyidae, a group that includes pocket gophers (sometimes referred to as "true" gophers), kangaroo rats, and pocket mice.

Groundhogs, meanwhile, are members of the Sciuridae (meaning shadow-tail) family and belong to the genus Marmota. Marmots are diurnal ground squirrels, Daniel Blumstein, a UCLA biologist and marmot expert, tells Mental Floss. "There are 15 species of marmot, and groundhogs are one of them," he explains.

Science aside, there are plenty of other visible differences between the two animals. Gophers, for example, have hairless tails, protruding yellow or brownish teeth, and fur-lined cheek pockets for storing food—all traits that make them different from groundhogs. The feet of gophers are often pink, while groundhogs have brown or black feet. And while the tiny gopher tends to weigh around two or so pounds, groundhogs can grow to around 13 pounds.

While both types of rodent eat mostly vegetation, gophers prefer roots and tubers (much to the dismay of gardeners trying to plant new specimens), while groundhogs like vegetation and fruits. This means that the former animals rarely emerge from their burrows, while the latter are more commonly seen out and about.

Groundhogs "have burrows underground they use for safety, and they hibernate in their burrows," Blumstein says. "They're active during the day above ground, eating a variety of plants and running back to their burrows to safety. If it's too hot, they'll go back into their burrow. If the weather gets crappy, they'll go back into their burrow during the day as well."

But that doesn't necessarily mean that gophers are the more reclusive of the two, as groundhogs famously hibernate during the winter. Gophers, on the other hand, remain active—and wreck lawns—year-round.

"What's really interesting is if you go to a place where there's gophers, in the spring, what you'll see are what is called eskers," or winding mounds of soil, Blumstein says [PDF]. "Basically, they dig all winter long through the earth, but then they tunnel through snow, and they leave dirt in these snow tunnels."

If all this rodent talk has you now thinking about woodchucks and other woodland creatures, know that groundhogs have plenty of nicknames, including "whistle-pig" and "woodchuck," while the only nicknames for gophers appear to be bitter monikers coined by Wisconsin Badgers fans.

Have you got a Big Question you'd like us to answer? If so, let us know by emailing us at bigquestions@mentalfloss.com.

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Big Questions
Why Does Santa Claus Give Coal to Bad Kids?
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The tradition of giving misbehaving children lumps of fossil fuel predates the Santa we know, and is also associated with St. Nicholas, Sinterklaas, and Italy’s La Befana. Though there doesn't seem to be one specific legend or history about any of these figures that gives a concrete reason for doling out coal specifically, the common thread between all of them seems to be convenience.

Santa and La Befana both get into people’s homes via the fireplace chimney and leave gifts in stockings hung from the mantel. Sinterklaas’s controversial assistant, Black Pete, also comes down the chimney and places gifts in shoes left out near the fireplace. St. Nick used to come in the window, and then switched to the chimney when they became common in Europe. Like Sinterklaas, his presents are traditionally slipped into shoes sitting by the fire.

So, let’s step into the speculation zone: All of these characters are tied to the fireplace. When filling the stockings or the shoes, the holiday gift givers sometimes run into a kid who doesn’t deserve a present. So to send a message and encourage better behavior next year, they leave something less desirable than the usual toys, money, or candy—and the fireplace would seem to make an easy and obvious source of non-presents. All the individual would need to do is reach down into the fireplace and grab a lump of coal. (While many people think of fireplaces burning wood logs, coal-fired ones were very common during the 19th and early 20th centuries, which is when the American Santa mythos was being established.)

That said, with the exception of Santa, none of these characters limits himself to coal when it comes to bad kids. They’ve also been said to leave bundles of twigs, bags of salt, garlic, and onions, which suggests that they’re less reluctant than Santa to haul their bad kid gifts around all night in addition to the good presents.

Have you got a Big Question you'd like us to answer? If so, let us know by emailing us at bigquestions@mentalfloss.com.

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