1. What are the rules for endorsement and seal of transfer cheque?
The payee column of the transfer cheque should be filled with the payee's name, and the drawer's (drawee's) reserved bank seal should be stamped on the front. After the payee obtains the transfer cheque, he shall affix the special financial seal of the payee and the personal seal of the legal representative or the person in charge of finance in the endorsement column on the back of the cheque, fill in the bank draft, and then hand it over to the payee's bank together with the cheque to entrust the bank to collect money. If you want to transfer a cheque by endorsement, you must pay attention to the continuity of endorsement. The continuity of endorsement means that the endorser of the first endorsement transfer of a bill is the payee recorded on the bill, the endorsee of the previous endorsement transfer is the endorser of the later endorsement transfer, and the endorsee of the last endorsement transfer is the last holder of the bill. The endorser of a bill of exchange shall endorse it in turn in the endorsement column on the back of the bill. If the endorsement column is not enough for endorsement, you can use a self-adhesive sheet with a unified format and paste it at the specified bonding place on the bill voucher. The first passenger on the post-it note should sign at the bonding place between the note and the post-it.
The payee of the transfer check can be written as the payee's personal name. After the payee stamps the endorsement column on the back of the transfer check with his personal seal or signature, he fills in the ID number and the name of the issuing authority, cashes it with his ID card and the transfer check, and deposits it into the personal settlement account opened by the individual in the bank where the account is opened. The payee's personal account must be a bank personal settlement account, and other savings accounts cannot transfer money to collect money.
Second, the transfer check processing flow
1. Issuing: the customer issues a transfer check according to the company's situation, and affix the reserved bank seal.
2. Bill delivery: the drawer delivers the bill to the payee (or pays directly at the bank where the account is opened).
3. Circulation and use of bills: the payee or the holder shall endorse and transfer the transfer check according to the transaction needs.
4. Entrusted collection or presentment for payment: the payee or holder entrusts his bank to collect or present payment to the drawer's bank by transfer cheque. When the payee presents the payment, he should endorse the entrusted payment, and indicate the words entrusted payment at the "endorser's signature" on the back of the transfer check.
5. Stop payment by reporting the loss: If the transfer cheque is lost and the payer needs to stop payment by reporting the loss, he should fill in the Notice of Stop Payment by Reporting the Loss and sign it. Notice of loss reporting and payment stopping shall be provided by the bank and paid according to the standard.
As the staff of financial institutions, some requirements for endorsement and stamping of transfer checks are very clear, so it is enough to stamp according to the requirements of the staff. The process of transferring checks in financial institutions is also very simple. If you don't understand anything, you need to communicate with the staff of financial institutions, but you must never fill in a transfer check.