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How To Write A Safe Cheque? Research Team | Posted On Tuesday, February 20,2018, 06:56 PM

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How To Write A Safe Cheque?



One of the most common ways to pay money is through a cheque. Writing a cheque is really easy, but you must be careful. A mistake while writing a cheque, can prove very costly and cost you a lot of money.

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Tips To Write A Safe Cheque

1. Write a cheque in such a way that it is difficult to alter

The most important thing when writing a cheque is, you must never leave spaces between words and numbers. A smart fraudster can add an alphabet or a number in the spaces or gaps you leave and change the whole cheque.



2. Always cross the cheque


Let's say you want to make a payment to a person via cheque. You want to make sure that the payment goes to that person's bank account. You must put a double cross line on the left-top corner of the cheque and write "A/C Payee" or "Account Payee." This makes sure the money goes to a bank account and not to any person as cash over the bank counter.

SEE ALSO: Everything You Need To Know On Payment Banks?

3. Always use the full name of the person

Always write the full name of the person and avoid abbreviations.

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4. Add a line after the name and amount

Always add a line after the name and amount in the cheque. No fraudster can write anything after the name and amount on the cheque and misuse it.

5. You must cancel the word " Bearer"

If you look at the cheque, you will see "Or Bearer" on the right-hand top corner of the cheque. What is the meaning of Or Bearer? Or Bearer means that either the person whose name is on the cheque or the person who bears the cheque, can encash it. If you write A/C Payee on the cheque, the money only goes to a bank account.

Cancel the word Bearer from the cheque. This keeps your cheque really safe.

See also: Types Of Cheques

6. Never sign on a blank cheque

This is the worst mistake you can make. A fraudster who gets this cheque can empty your bank account.

2. Tips while accepting a cheque

1. Make sure the cheque is signed.

2. The cheque must not be post-dated or have any dirty marks on it.

3. Handwriting must be consistent on all parts of the cheque.

4. Make sure the same pen is used throughout the cheque and the ink is not different.

5. Make sure there are no spelling mistakes in the cheque.

6. Make sure there is no tampering on the MICR. Be Wise, Get Rich.

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