How to Fill a Cheque?

A cheque is one of the traditional ways of making payments. Even though India is fast moving towards becoming a digital economy, many people still rely on cash and cheques to make payments. Filling a cheque is really simple. But, it has to be done in a proper way. If you do not fill the cheque properly, it can be misused by fraudsters. There are people who are very careless while filling cheques and this carelessness can lead to frauds. So, in this blog, we discuss how to fill a cheque.

What is a cheque?

A cheque is a printed form containing bank account details and orders the bank to pay a specified amount from account to the person whose name is written on it.

See Also: How To Avoid Cheque Fraud?

Things to consider while filling a cheque:

1. While issuing cheques, you must draw a double cross line on the left-top corner of the cheque and write "A/C Payee". Doing so makes sure that the amount goes directly to the bank account of the person whose name is written on the cheque, and not to anyone else.

2. You must cancel the word bearer while issuing the cheque. The word bearer on the cheque means either the person whose name is written on the cheque or the person who has the cheque can encash it. If you issue a bearer cheque it can be encashed by anyone if it’s lost. By canceling the word bearer, the cheque can be encashed only by the person whose name is mentioned on it.

3. Avoid leaving spaces between words and numbers while writing a cheque. If you commit the mistake of leaving spaces, fraudsters can alter the cheque by adding an alphabet or a number in the spaces.

4. Write the full name of a person in the cheque.

5. You must add a line after writing the name and amount in the cheque. If you leave an empty space, fraudsters can add anything after the name and amount.

See Also: How To Write A Safe Cheque?

How to Fill a Cheque?

• The cheque can be written in local languages like Kannada, Tamil and so on.
• You must first write the name of the payee next to the word "Pay". Make sure you write the name right next to the word “pay” so that no one can make changes. In case you are writing a self-cheque to withdraw money from your account, you must write "Self".
• The next step is to write the amount that you wish to pay through cheque. You must write the amount in words in the "Rupees" Section. Make sure not to leave any spaces.
• After writing the amount in words, you must write the amount in numbers in the given box and put “/-” at the end.
• After filling all the details, you must sign at the bottom right corner. Your signature should match the specimen signature provided to the bank.
• Don’t forget to cancel the word "Bearer" to ensure that cheque is not encashed, fraudulently.
• You should fill the date column at the top right corner.
• If you are issuing a cheque, draw two parallel lines on the left top of the cheque and write “A/C Payee” between them.

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