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


  • 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


  • 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


  • 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


  • 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

Don't forget to Hit the Like button, Comment and Share for more Awesome stuff!!!!

Add a comment