Fill out a check

 Zoom on the mandatory information on a check
 Step 1: Remember the basic rules for filling a check
 Step 2: Fill out a check

The list of equipment if necessary

To fill a check well makes it possible to ensure its validity. You must also know the consequences of the mentions on the check in order to preserve your banking security. Some mentions are obligatory, others are optional.

Step by step, we guide you in the filling of a check with an example of a specimen.

Here’s how to fill out a check .

Zoom on the mandatory information on a check
Some mentions are imperatively indicated on the check:

  • the name of the bank that must pay;
  • the name “check”: the means of payment used must be clearly identified;
  • the name of the beneficiary (it is not forbidden not to mention it, but it is dangerous to issue a blank check, so that it can be cashed by anyone);
  • the precise amount in figures and letters;
  • the name and bank details of the person who issues the check;
  • the date and place;
  • the signature of the issuer.

All of these mentions will be on the checkbook issued by your bank.

Good to know  : can we make a check on paper? Theoretically, yes. The law allows the issuance of a check on free paper or any durable medium. In practice, the answer must be much more nuanced. Banks rarely accept that you issue checks on paper and, to ensure that you can not do so, include in the account agreement a clause stating that the customer can only use the means of payment and forms at his disposal by the bank.

1.Remember the basic rules for filling a check
You must use a non-erasable pen to fill your check . Indeed, you will limit the risk of falsification of the amount and the order carried on the check.
For all the parts that you will have to fill, write at the beginning of each line or box. Do not leave space at the beginning of the line before the first word or number.
Draw a line to complete the unfilled parts of the line or box of the amount.
If the check is filled by a machine, check the amount in figures and in letters as well as the beneficiary.
In addition to filling the check, remember to fill your heel (or stump). Depending on the checkbook, it is placed on the left or top of the check. This is a non-detachable part, unlike the check, which will let you know what was the amount, the beneficiary and the number of the check issued. This is basic information, especially if you have to object.

2.Fill out a check

 Fill out a check
Amount (1) and (3)
in letters (1)  : Do not erase or overload the amount in letters. Write in full the amount in letters knowing that a tolerance exists for the cents that can be mentioned in figures.
Example  : one hundred euros and 25 cents.

in numbers (3)  : enter the pennies, even with a round number.
Example  : 100.00.

The beneficiary (2)
You do not have to specify a beneficiary on a check: this means that you are writing a blank check. This is extremely dangerous in case of loss or theft of the check: it can then be cashed by any person in his possession who would fill the beneficiary line with his name.

Date and place (4)
It is forbidden to backdate or postdate a check.
The check is valid for 1 year and 8 days, the amount is not cashable past this time.
The signature (5)
You have filed a signature template when signing the account agreement and must therefore comply with it: it is the only signature that the bank knows and which ensures the validity of your check.

Warning  : never sign an unfilled check!

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