Open a settlement account. No matter enterprises, institutions or individuals, they need to hold valid certificates to open a deposit account that can use checks in banking institutions that handle check deposit business, and deposit enough funds to issue checks.

offer a price

1. To open a checking account, the applicant must use his real name and submit legal documents to prove his identity;

2. When opening a checking account, the applicant shall keep his signature pattern and seal;

3. When opening a checking account and receiving a check, you should have reliable credit standing and deposit a certain amount of funds.

use

1, the transfer cheque can be endorsed and transferred; Cash checks shall not be endorsed and transferred.

2. The payment term of the cheque is ten days (from the date of issuing the cheque, the due date will be postponed in case of holidays).

3. The date of issue, the amount in words and figures and the name of the payee of the cheque shall not be changed. If other contents are incorrect, it can be corrected by crossing the line and stamped with the certificate of one of the reserved bank seals.

4. If the cheque is lost, you can apply to the paying bank to report the loss and stop payment; The bank will not accept payment before reporting the loss.

5. When the drawer issues a blank check or a check whose seal is inconsistent with the bank's reserved seal, the bank will not only return the check, but also impose a fine of 5% but not less than 1000 yuan according to the face value. The holder has the right to demand the drawer to compensate for 2% of the check amount.

Extended data:

According to People's Republic of China (PRC)'s Negotiable Instruments Law:

Article 81 A cheque is a bill issued by the drawer, and a bank or other financial institution entrusted with cheque deposit business unconditionally pays a certain amount to the payee or holder at sight.

Article 82 To open a checking 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 certain funds.

When opening a checking account, the applicant shall keep the signature pattern and seal of his real name.

Article 83 A cheque may be withdrawn in cash or transferred. When it is used for transfer, it shall be indicated on the front of the cheque.

If the cheque is specially used to withdraw cash, a cash cheque can be made separately, and the cash cheque can only be used to withdraw cash.

If the cheque is specially used for transfer, you can make a transfer cheque separately. Transfer cheque can only be used for transfer, and cash cannot be withdrawn.

Article 84 A cheque must contain the following items:

(a) The word "inspection";

(2) Unconditional payment entrustment;

(3) The determined amount;

(4) the name of the payer;

(5) Date of issue;

(6) Signature and seal of the drawer.

If one of the items specified in the preceding paragraph is not recorded on the cheque, the cheque is invalid.

Article 85 The amount on a cheque may be supplemented with the authorization of the drawer, and the cheque before the supplement may not be used.

Article 86 If the payee's name is not specified on a cheque, it may be supplemented with the authorization of the drawer.

Where the place of payment is not specified on the cheque, the business place of the payer is the place of payment.

If the place of issue is not specified on the cheque, the business place, domicile or habitual residence of the drawer shall be the place of issue.

The drawer may record himself as the payee on the cheque.

Article 87 The amount of a cheque issued by the drawer of a cheque shall not exceed the actual deposit at the drawee at the time of payment.

If the cheque issued by the drawer exceeds the actual deposit amount of the payer at the time of payment, it is a bad cheque. It is forbidden to issue bad checks.

Article 88 The drawer of a cheque may not issue a cheque that is inconsistent with its reserved real name signature pattern or seal.

Article 89 The drawer must undertake the responsibility of ensuring payment to the holder according to the amount of the cheque issued.

When the drawer's deposit with the drawee is sufficient to pay the check, the drawee shall pay in full on the same day.

Article 90 A cheque is limited to payment at sight, and the date of payment may not be specified separately. If the payment date is recorded separately, the record is invalid.

Article 91 The holder of a cheque shall present it for payment within ten days from the date of issue; For cheques used in different places, the time limit for presenting payment shall be stipulated separately by the People's Bank of China.

If the time limit for presenting payment is exceeded, the payer may refuse to pay; If the drawee refuses to pay, the drawer shall still bear the bill liability to the holder.

Article 92 If the payer pays the amount of a cheque according to law, he will no longer be responsible for entrusting the drawer with payment and paying the holder. However, unless the payer pays in bad faith or has gross negligence.

Article 93 The provisions of Chapter II of this Law shall apply to the endorsement, payment and recourse of a cheque, in addition to the provisions of this Chapter.

In addition to the provisions of this chapter, the provisions of Articles 24 and 26 of this Law on bills of exchange shall apply to the issuance of cheques.

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