How To Write A Cheque

Dos. 

Dos. Date: If you don't provide a date, your check will be returned unpaid. The date should be provided in the format DDMMYYYY.  A check is good for three months from the date written on it.

Never leave spaces between words or numbers on a check: When writing numbers and words on a check, whether it's a name or an amount, never leave spaces between them since this allows someone to add an alphabet or a number and modify the entire cheque.

Make sure the cheque says "A/C Payee" or "Account Payee" on the left-top corner: If you're paying someone and want to make sure the money gets to the same person's bank account, make a double cross line on the left-top corner of the cheque and write "A/C Payee" or "Account Payee." This ensures that the funds are exclusively credited to a bank account and not given to someone as cash on the street.

Add a running line after the name and amount portion of the check till the end: After the name and amount section of the cheque, you should add a running line. This assures that no one may add anything to the end of the name in order to misappropriate it.

Remove the term "Bearer" from the equation:

If you look closely at your check, you'll see a spot for your name in the "Pay" area, followed by "Or Bearer" in the right corner. This implies that the person whose name is written on the check, as well as anybody else carrying it, can cash it. So, unless you truly want to maintain the word "Bearer," you should always cancel it from the check.

After the sum, add a "/-" sign:

If there is adequate room after the amount written, anyone can add more numbers to the end of the amount indicated in the cheque and raise it. You need include a "/- " symbol to avoid this.

Words = Figures:

The sum of the figures and the sum of the words must be equal. There should be no blank space in the column of the figure or on the line of the words. It is preferable to draw a line in the empty spot. Use the term "only" at the conclusion of your sentence when writing in words.

Signature:

Only after filling in all of the above-mentioned information should you sign the check.

Don'ts.

Don't sign it without filling in the blanks:

The first and most important thing to avoid is signing a blank check. Signing a blank check might result in the bank account being insolvent.

Don't store it incorrectly:

The check should never be folded, stapled, or pinned.

Don't scribble on the MICR:

If you write or mark anything on the MIRC code or the cheque number, the check may not clear.

Don't keep the Cheque in a risky situation:

Never leave a check unattended, particularly if it is a signed check. If you lose a check, call your bank right away. Stopping payment on a lost check would act as a safe haven for the missing check. Ensure that any damaged checks are appropriately disposed of.

Modifications/Amendments:

On the check, do not make any changes or revisions. Any alterations will result in the check being rejected.

Make use of a pen:

When writing a check, avoid using anything that may be wiped. Always write simply and concisely, and don't overwrite.