Legal analysis: Checks can be written by individuals, and personal checks can be divided into cash checks and transfer checks. According to the regulations, the rules for banks to apply for personal checks are basically the same. The procedures are as follows: 1. Applicants need to bring their ID card, household registration book and reserved seal to the bank to open a check account, and some banks also stipulate that applicants who apply for personal checks need to provide a guarantor; 2. When applying for checking account opening, the bank usually requires the applicant to deposit a certain amount of money at the savings counter before applying for a personal checking account; 3. To apply for a cheque account opening, you should fill in the cheque account opening application form, attach a copy of your personal ID card and household registration book, and reserve your personal seal and signature; 4. Fill in the blank important voucher requisition form, purchase the cheque and pay the fee.

legal basis: article 82 of the law of the people's Republic of China on negotiable instruments

to open a checking deposit account, the applicant must use his real name and submit legal documents to prove his identity. When opening a checking account and collecting checks, you should have reliable credit standing and deposit a certain amount of funds. When opening a checking account, the applicant shall reserve the signature pattern and seal of his real name.

article 83 a cheque can be withdrawn in cash or transferred, and when it is used for transfer, it should be indicated on the front of the cheque. If the cheque is specially used for withdrawing cash, a cash cheque can be made separately, and the cash cheque can only be used for withdrawing cash. If the cheque is specially used for transfer, a transfer cheque can be made separately. The transfer cheque can only be used for transfer, and no cash can be withdrawn.