How to distinguish a check from a fake, and can a check be faked

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.

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.

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.

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.