Pay attention to capitalization when writing checks; Don't change; Don't write the account number and name wrong. Fill in what:?
1, date (in words); ?
2. Amount, amount in words is on the left; Digital amount; ?
3. seal. Special seal for finance and name seal of legal representative. ?
If you keep the password, you must also fill in the password. ? Checks are the most commonly used bills in business activities, and business personnel should beware of the "check trap" when receiving checks, because the refund of bills will bring irreparable financial losses to enterprises.
The check should be stamped with the financial seal and name seal on the front (consistent with the bank's reserved seal) and the same seal on the back. Fill in the payer's ID number and name on the back.
The transfer check only needs to be stamped with the financial seal and name seal on the front, and the others do not need to be stamped.
I. About signature and seal
The signature and seal of the drawer on the check is the concrete expression of the bill debt. When a cheque is returned, it shall bear the responsibility of the drawer and repay the amount recorded on the cheque. Signature and seal should be stamped in the drawer column of the check, and stamped in other places, which will not have the effect of signature and seal, and it is an unqualified check.
In practice, ticket collectors should pay attention to the following points:
1. Cheques without signature and seal cannot be accepted. A check with a blank seal is an "incomplete bill" and has no legal effect. You must ask the drawer to seal it before you can accept it.
2. Cheques with vague signatures or seals cannot be accepted. This kind of cheque with unclear seal or unknown seal is often bounced by the bank.
3. The signature of the check is only the drawer's fingerprint, and there is no other signature or seal, so it is better to reject it. The signature on a check can be replaced by stamp, but not by fingerprint.
4. The check with the stamp upside down is valid and acceptable.
5. A check stamped with the wrong seal and then stamped with the correct seal can be accepted. The drawer stamps the wrong seal with a ""seal, and the seal is regarded as not recorded. As long as the second stamp is the same as the original stamp in the bank, and there is enough deposit in the account, the check is safe.
Second, about the invoice time.
1. You'd better not accept a check without an issue date. A check lacking the date of issue is invalid, and the drawer does not have to bear any bill responsibility. If the drawer authorizes the payee to fill in the date, the payee should ask the drawer to issue a "power of attorney" as proof when accepting the check, otherwise he may be sued for forging securities.
2. After the date of issue is rewritten, it must be stamped at the rewriting place. If it is not stamped, the check will be dishonored by the bank.
Third, about the amount of the check.
The amount is one of the items that must be recorded in a check, and it is also an indicator of the guarantee scope of the bill debtor. The amount of the check should be written in capital letters to show caution and prevent tampering. So once the amount is filled in, it cannot be rewritten, otherwise the check will be invalid.
Pay attention to the following questions about the check amount:
1. Checks that omit the word "yuan" in the column of amount in words will not be accepted. The currency units commonly used in China are yuan, jiao and fen. Only digital records, no "yuan" records, its amount is difficult to determine.
2. An altered cheque with a written amount is invalid and absolutely unacceptable.
3. You can't write zero on the check, but try not to accept checks with more zeros. If the number of digits has several zeros, write only one zero. For example, 50,005 yuan should be written as "50,005 yuan only" instead of "50,005 yuan only".
Cheques with a face value of "ten yuan only" are not accepted. Banking practice has special requirements on the writing of cheque amount. 10 yuan should be written as "ten yuan only".
It is absolutely unacceptable to write "20" on a check. 20 yuan's correct spelling is "20 yuan". If it is written as "20 yuan", the bank will refund it. ?
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