Do’s and Don’ts of Issuing a Cheque


A cheque is a document that orders a bank to pay a specific amount of money from a person’s account to the person in whose name the cheque has been issued.

Writing cheques

Do’s

  • Always fill up the cheque yourself
  • Cancel the words ”or bearer” & write ”A/c payee” on the top-left corner to avoid cheque misuse
  • Write ”only” after amount in words and put ”/-” after the amount in numbers
  • Write clearly and legibly & always use permanent ink pens such as a ball pen in blue or black colour
  • Sign only in space provided above the ’name of the account holder’ or ’authorized signatory’ fields
  • Sign clearly to ensure the cheque is not bounced due to mismatch in the signature
  • Strike through unused space in the name and amount fields to avoid any unauthorized additions
  • Please validate the identity of third party if handing over cheques for any loan or insurance offering

Don’ts

  • Do not leave wide blank spaces in fields like payee name, amount in words and numbers
  • Do not overwrite, scribble, cancel or rewrite on a cheque

Handling cheques

Do’s

  • Handover a cheque only after correctly filling all details i.e. date, payee name, amount in words and numbers
  • Ensure your account has sufficient funds before you issue a cheque
  • Report loss of cheque leaves to bank immediately and request stop payment. If multiple cheques are lost, request stop payment on the entire series
  • In the event of any alterations/corrections, a new cheque leaf should be used
  • Write ”cancelled” clearly across the face of the cheque to suitably deface it and make it unusable

Don’ts

  • Do not keep pre-signed blank cheque leaves
  • Do not disfigure or damage the MICR band at the bottom of the cheque in any way

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