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The right way to write a cheque

Start by 'crossing' the chequedraw two slanting parallel lines at the top left corner of the leaf

In these times when banking is becoming more digital, and many services are online, it is important not to forget the basics. People using features such as electronic transfers have increased. However, knowing something as elementary as writing a cheque is a must. Not tough to do, but it still needs to be correct. For instance, did you know that the cheque will not be accepted with overwriting, however small. Here’s a step-by-step guide to write one:

Step 1

A single page of a chequebook is known as a cheque leaf. Start by ‘crossing’ the cheque—draw two slanting parallel lines at the top left corner of the leaf.

Between these lines, you must write A/C Payee. This is an instruction to the bank that the amount must be deposited only into the account of the person whose name has been mentioned on the cheque.

Make sure there is no over-writing even here.

Step 2

Write the date on the top right side of the leaf. Fill it in correctly because cheques with overwriting or incorrect dates (such as, 31 September) are not accepted.

Then write the name of the person or entity that you wish to pay.

It is important not to leave too much space between words and letters. This reduces the scope of tampering. If you have crossed the cheque, strike off the ‘Bearer’ section on the leaf.

Step 3

Write the amount in words. If you are paying, say, Rs1,100, write ‘one thousand and one hundred only’. It is important to write ‘only’ after the amount. This, too, is a way to prevent fraud. In the example above, if ‘only’ is not written after one thousand and one hundred, someone could add ‘ninety nine’ and the amount becomes Rs1,199. Fill in the amount in digits also. End it with the ‘/-’ symbol. Sign the cheque in the empty space at the bottom.

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