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Do not send checks or other financial documents this day of the week


Shepard / Getty Images/iStockphoto

Shepard / Getty Images/iStockphoto

Many people send important financial documents, such as checks, money orders and tax returns, through the mail. While this method isn’t as quick as, say, sending them an email, it can be more secure. This is because personal information sent by email is more vulnerable to hackers than physical information. Sending documents by email can also put you at greater risk of identity theft or fraud.

See also: 19 Dangerous Scam Phone Numbers and Area Codes to Avoid
Learn: 3 Simple Steps to Protect Yourself Against Identity Theft

But even sending documents through the mail isn’t a foolproof method of getting them where they need to be. After all, your documents and the information they contain could still be lost or stolen. There may also be delays in sending them, particularly if you choose a busy time of day or week.

The next time you decide to send a check or other important financial documents, think twice before sending them on certain days of the week. Additionally, make sure you use the most secure method possible to protect your information and avoid any problems.

Also find out how to protect your salary against fraud.

Best days to send financial documents: Monday through Thursday

Even if the local post office is open or the mail carrier can pick up mail on other days, the best days to send financial documents are weekdays. In particular, Monday to Thursday will probably be your best choice if you want to guarantee faster delivery times.

“In my experience, the best days to send financial documents are at the beginning of the week: Monday, Tuesday or Wednesday,” said Rahul Paragi, founder of NamesPilot.com. “The Postal Service has fewer items to process on these days, so letters and packages tend to move through the system more quickly.”

This is also true when sending non-financial documents.

Nicole Beauchamp, senior global real estate advisor and licensed associate real estate broker at Engel & Völkers, added that she also sends other types of documents midweek.

“I usually try to do Tuesday through Thursday when I send things,” she said.

Maximize your salary: the best banks for early direct deposit

Worst days to send financial documents: Friday through Sunday

Although Friday may seem like a good day to send your important documents, you may prefer to wait until the following week. This is because Fridays tend to be busier and, depending on what time you drop off your paperwork, you could miss picking up the week’s mail.

“Fridays are notoriously bad for mail pickup and delivery,” Paragi said. “I would avoid sending anything urgent on Thursday or Friday, as there is a greater risk of it getting stuck over the weekend. Likewise, just before or after a vacation can cause delays.

Saturday is also a day that is generally best avoided unless you are in no rush to get your documents where they need to be. Of course, if you miss the opportunity to send things during the week, the weekend might be your only option. Just be aware that there could be significant delays.

And, unsurprisingly, you may also want to avoid sending anything important or urgent on Sunday. Not only are most post offices closed on this day of the week, meaning your mail will have to wait until Monday to go out anyway, but you also won’t be able to use postal services in person.

Strategies to ensure safe and timely arrival of documents

When sending anything through the mail, but especially when sending important financial documents, it is essential to prioritize their secure and timely arrival. Here are some ways to ensure your documents arrive at their destination without problems or delays:

  • Follow them. By tracking your documents, you can know where they are and when they should arrive. “To ensure secure and timely delivery, use a trackable shipment like certified mail or a delivery service like UPS with tracking numbers,” Paragi said. “This allows you to verify the location of your package.”

  • Confirm the information. Even a minor error in the spelling of the recipient’s name or address can prevent your documents from arriving on time, if at all. “Always verify addresses and include full names,” Paragi said.

  • Obtain proof of delivery. “If something is critically important and I need proof of delivery, I will opt for a return receipt,” Beauchamp said. This can give you peace of mind when sending personal or confidential documents. It can also help you know if something happens, like if mail is lost or delayed.

  • Send your documents as soon as possible. While it’s not always possible to avoid delays, sending your documents early can minimize stress if they arrive a few days late. “When I send important financial documents,” Beauchamp said, “I always think about when delivery is required and who will need to receive it – and I try to plan for delays or rerouting.”

  • Go to the post office. Putting your documents in your mailbox works if you’re not too concerned about security or speed. But if you’re sending something important, it’s best to go to a post office. “If possible, go during off-peak hours to avoid long lines,” Paragi said. “Hand it directly to a postal worker so it is immediately scanned into the system.”

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This article was originally published on GOBankingRates.com: Do not mail checks or other financial documents this day of the week



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