How to tell the authenticity of a cheque? How to identify the authenticity of a transfer check

In general, the check is more difficult to identify, that is, the bank staff sometimes can not distinguish, can only look at whether the information filled in the check is accurate, whether the endorsement is in line with the form, to see whether the information is in line with the format of the check, the format is very important, if the format is slightly inconsistent, the bank may not accept, which causes a risk, and you want to go to the customer to re-open the check is troublesome, and may cause disputes, in the usual **, when receiving the check is a very common thing, Many small businesses are reluctant to ask for checks.

However, people don't give you cash, so after receiving the check, first look at the official seal of his unit, whether it is consistent with the name of the company, which is very important, and then look at which bank issued the check, because the general bank issued a check to the company, indicating that the company has opened a corporate account in the bank, so the official seal is more important. In the usual business dealings, if you can not accept the check, try not to accept the check, but if it is a large transaction, generally will give you a check, if you get the check, you need to immediately go to the bank to let the counter verify it for you, in order to prevent acceptance risks.

A good way to tell the authenticity of a check or other instrument?

The first thing to look at is whether it's a cash check or a transfer check.

1. Check whether the seal is complete, if it is a cash check, the seal on the front and back is the same; On the other hand, only a seal stamp is required on the front of the cheque.

2. Check whether there is any alteration to avoid refunds.

3. Whether the case is consistent and correct.

4. The date line must be capitalized, note: January is zero one, November is (one pick one), and the date is filled in the same month.

The authenticity of the check cannot be seen, we can only see whether the handwriting written by the other party is clear and whether the seal is clearly stamped. If you want to distinguish between real and fake, you can only send it to the bank.

1. If you don't fill in the password, it's fake.

2. Filling in the wrong password is fake.

3. The most important thing is whether there is money in the account, and no money is fake.

Cheques can be genuine and fake.

There are many types of checks.

Specific types of checks:

1. Cash check (cheque

alportador)

As long as the cheque is written, the person in possession of the cheque can go to the bank and withdraw the money. Only the amount and date of this type of cheque are stated.

2. Cheque

nominativo)

In this type of check, in addition to the amount and date on the check, the person who wrote the check must clearly write the name of the beneficiary (beneficiario, that is, the person who withdraws the money), which means that no one can withdraw the money except the person who withdraws the money.

3. Cheque

cruzado)

The content of the cheque is the same as that of any cash cheque or registered cheque, except that it requires two parallel lines from the top left to the bottom right of the check, so that whoever goes to withdraw the money cannot withdraw the cash, and the money has to be transferred from the account of the person who wrote the check to another account. If something happens, there is evidence.

4. The bank agrees to check (cheque

conformado)

The person who writes the check entrusts the bank to write the check in the name of the bank, so that no matter how large the amount, the person withdrawing the money will be relieved that there will be no danger of a bad check.

It is necessary to have a special identification instrument, which is difficult for non-professionals to identify, and the easiest way is to go to the bank.

In this question, you take the check to the bank for identification, and the salesman takes out a pair of seals to know whether it is true or fake.

You can only know if you deposit in the bank and wait for the bank to exchange it back. If the bank exchange is successful, the money will be in your account. If it fails, the bank will inform you of the reason for the refund.

Do you have long eyes that are panting? There are two answers: 1. You can really withdraw money, but you can't withdraw fake money! 2Go to the bank for identification!!

The best thing to do is to go directly to the payment bank.

Generally, you will not accept cash checks, otherwise you will have to go to your company's basic account bank to withdraw cash when you get cash checks, which is inconvenient.

Take the transfer check to the relevant bank to check the public officer, usually to see whether the face of the check is neat and leaky and whether there is a large size cover bank**.

Another point is that there will be a black print code under the check, and this black print code can be used to match the check number in the upper right corner.

The identification is as follows: 1. Whether the check is a voucher printed in a unified manner, whether it is true, and whether the payment period is exceeded.

2. Whether the name of the payee on the check is the payee, whether the payee signs and seals the "payee signature" on the back of the check, and whether the signature is consistent with the name of the payee.

3. Whether the drawer's signature conforms to the regulations, and check whether the signature is consistent with the signature of the reserved bank, and whether the password is correct if the payment password is used.

4. Whether the upper and lower case amounts of the check are consistent.

5. Whether the items that must be recorded in the check are complete, whether the amount of the cheque, the date of issuance, and the name of the payee have been changed, and whether the changes in other recorded items are certified by the signature and seal of the original record.

6. Whether there is sufficient payment in the drawer's account.

7. Whether the cash withdrawn complies with the provisions of national cash management.

A cheque is an instrument issued by the drawer, and the bank or other financial institution entrusted to handle the cheque deposit business unconditionally pays a certain amount to the payee or bearer at the sight of the cheque. Similarly, the cheque system also applies to the rules of exchange, so we will only introduce the special rules for cheques that are different from bills of exchange.

The characteristics of the check are as follows: First, the check is entrusted**, but the payer of the check is special, and it must be a bank or non-bank financial institution qualified for check deposit business. Second, China's cheques are only spot cheques, and there is no acceptance system for cheques.

The authenticity of a check can be identified by some methods, such as the paper should not be too slippery, the back of the check number appears pink, etc.

When you receive the check, you have to go to the bank to exchange it.

This needs to be taken to the bank to verify the authenticity.

Legal analysis: First of all, bank checks themselves have anti-counterfeiting functions, and non-staff will not pay attention to them. The ** on the second check corresponds to the unit of account.

The sale of cheques in one department is only for the purchasing unit, and the third cheque is issued with the company's seal. When withdrawing money, the bank staff should check the seal on the check and keep the company's seal at the bank.

Legal basis: Criminal Law of the People's Republic of China: Article 177: In any of the following circumstances, anyone who forges or alters financial documents is to be sentenced to up to five years imprisonment or short-term detention and/or a fine of between 20,000 and 200,000 RMB; where the circumstances are serious, a sentence of between 5 and 10 years imprisonment and a concurrent fine of between 50,000 and 500,000 RMB is to be given; where the circumstances are especially serious, a sentence of 10 or more years imprisonment or life imprisonment is to be given, and a concurrent fine of between 50,000 and 500,000 RMB or confiscation of property is to be given

1) Forging or altering bills of exchange, promissory notes, or checks;

2) Forging or altering entrustment receipts, remittance vouchers, bank deposit receipts, and other bank settlement vouchers;

3) Forging or altering the letter of credit or the accompanying documents or documents;

4) Counterfeiting credit cards.

Directory method 1: Find the payer 1 and look at the top left corner of the check. 2. Find the number in the upper right corner.

3. Find the payer's signature, which should match the name on it, in the lower right corner of the check. Method 2: Find the issuing bank1, find the name of the bank.

2. Find the code at the bottom. Method 3: Find Date 1, which is below or next to the check number in the top right corner.

Method 4: Find the payee 1, find"Beneficiary"These few words. Method 5:

Find Amount 1 and write it in the box to the right of the check. 2. The amount written in text form follows"USD"After the word. Method 6:

Find Note 1 and find the line in the bottom left corner of the check. Learning the correct way to read cheques can go a long way in receiving and writing cheques. Although the use of cheques has become less and less popular with the popularity of electronic payments, going to a bank to open a deposit slip or looking at a pay stub requires you to understand the process of writing a cheque.

Let's learn the correct way to read a check.

Method 1: Find the payer.

1. Look at the top left corner of the check first. There will usually be the name, address and ** of the person paying the invoice.

2. Find the number in the upper right corner. This is the check number and is associated with the drawer.

3. Find the payer's signature, which should match the name on it, in the lower right corner of the check. If the check is issued by a business, the signature is signed by the company's accountant, who has the authority to issue the check on behalf of the company.

If it is not signed, the check is invalid.

Method 2: Find the issuing bank.

1. Find the name of the bank. The name of the bank is usually in the upper right corner or at the top center, and sometimes the address of the head office. However, not all invoices have a bank name.

Some banks can identify whether it is a check issued by looking up the number at the bottom, without the need to name it.

2. Find the code at the bottom. From left to right, the code consists of a total of 3 sets of numbers. This code contains information that identifies the bank that issued the check, the bank's confirmation number, and the drawer.

Method 3: Find the date.

1. The date is below or next to the cheque number in the upper right corner. The year, month, and day of the cheque issuance is marked here. The date is important because it is related to the period within which you have cashed the cheque, and a cheque that is not cashed within 3-6 months will be automatically voided.

Method 4: Find the payee.

1. Find"Beneficiary"These few words. The beneficiary's name is written at the end. The payee name of a personal check is on the same line as the amount, and the amount is written in the form of a decimal number.

The payee name of the corporate cheque is written on the next line of the letter amount and the numeric amount.

Method 5: Find the amount.

1. The amount is written in the box on the right side of the check. The amount is written to 2 decimal places and has a currency symbol in front of it, which is the number amount.

2. The amount written in text form follows"USD"After the word. That's the text amount. Writing the amount in two ways in this way ensures that it is correct.

Method 6: Find the Notes.

1. Find the line in the bottom left corner of the check. In"Remarks"The purpose for which the cheque was issued is written on the back. Remarks are not mandatory.