A bank check is a note issued by a bank depositor to the payee for settlement or entrusting the bank with an account to pay the money to the payee. It is applicable to the settlement of commodity transactions, labor supply and other payments between units in the same city. Bank checks are divided into cash checks, transfer checks and ordinary checks. Since a check is a prompt payment instrument that replaces cash, it has a shorter validity period. China's "Negotiable Instruments Law" stipulates that the holder of a check shall present it for payment within 10 days from the date of issue; for checks used in other places, the time limit for presentation for payment shall be separately stipulated by the People's Bank of China. If the payment reminder period expires, the payer may withhold payment. The presentation period for bank checks shall not exceed 2 months from the date of issue. Common sense: (1) There should be no traces of alteration on the front of the check, otherwise this check will be invalid. (2) If the payee finds that the check is incomplete, he can make a supplementary entry, but cannot alter it. (3) The check is valid for 10 days. If the expiration date falls on a holiday, it will be postponed by one day. (4) Checks are payable on sight and bearer. (If a check is lost, especially a cash check, the face amount may be lost, and the bank will not be held responsible. Cash checks generally have all the elements filled in. If the check is not fraudulently collected, report it lost at the bank where the account is opened; transfer checks, if the check elements are filled in completely, Report the loss at the bank where you opened the account. If the information is incomplete, report the loss to the Clearinghouse.) (5) If the seal on the back of the cash check from the issuing unit is blurred, you can cross out the blurred seal and stamp it again. (6) If the seal on the back of the transfer check of the payee is blurred (at this time, the bill law cannot be re-stamped), the payee can bring the transfer check and bank statement to the issuing unit to open an account. Go to the bank to go through the collection procedures (without paying a handling fee), commonly known as "back-breaking", so you don't need to go to the issuing unit to write a check again. Bank check-settlement (1) Recorded items of the check. Checks can be divided into ordinary checks, cash checks and transfer checks according to the method of payment. Ordinary checks can be used for transfers or cash withdrawals. According to Article 84 of the Negotiable Instruments Law, when an ordinary check is used for transfer, it should be marked on the front of the check. This marking method is generally to cross the check and not to cross it. Callers can use it to withdraw cash. Cash checks are specially used to withdraw cash. When this type of check is printed, the word cash is printed on the top of the check. Transfer checks are exclusively used for transfers and cannot be used to withdraw cash. When such checks are printed, the word transfer is printed on the top of the check. According to Article 85 of the Negotiable Instruments Law, the items that must be recorded on a check include: the word "check"; the entrustment of unconditional payment; the determined amount; the name of the payee; the date of issue; and the signature of the drawer. If one of the first six stipulated items is not recorded on the check, the check will be invalid. China's "Negotiable Instruments Law" stipulates that two matters that must be recorded can be recorded through authorized re-recording. The first is the authorized re-recording of the check amount. Article 86 of the "Negotiable Instruments Law" stipulates: "The amount on the check can be re-recorded with the authorization of the drawer, and the check before it is re-recorded shall not be used." The second is about the authorized re-recording of the name of the payee, Article 86 of the "Negotiable Instruments Law" Article 87 stipulates that if the name of the payee is not recorded on the check, it can be re-recorded with the authorization of the drawer. The corresponding matters recorded on the check are: the place of payment. If the place of payment is not recorded, the place of payment shall be the payee’s business place; the place of issue of the check. If the place of issue is not recorded, the place of payment shall be the business place, domicile or habitual residence of the drawer. For the place of issue. (2) Checks prohibited from being issued. According to Article 88 of the Negotiable Instruments Law, it is prohibited to issue bad checks, that is to say, the amount of the check issued by the drawer of the check must not exceed the actual deposit amount with the payee at the time of payment. According to Article 89 of the Negotiable Instruments Law, the drawer of a check shall not issue a check that is inconsistent with the signature or seal reserved in his or her name. (3) Payment of check. The drawer must bear the responsibility to ensure payment to the holder according to the amount of the check issued. When the deposit of the drawer with the payee is sufficient to pay the amount of the check, the payee shall pay on the same day. Checks must be payable on sight, and no payment date may be recorded separately. If a payment date is recorded separately, the record will be invalid. The holder shall present the bill for payment within 10 days from the date of issuance. If the time limit for presentation for payment is exceeded, the drawee may not pay; if the drawee fails to pay, the drawer shall still bear the bill liability to the holder. If the payee pays the amount of the check in accordance with the law, he will no longer bear the entrusted payment responsibility to the drawer, and will no longer bear the payment responsibility to the holder. According to Article 94 of the Negotiable Instruments Law, in addition to the provisions of this chapter, the provisions on bills of exchange shall apply to the endorsement, payment and recourse rights of checks.