How to use a cashier s check? How to use a cashier s check

Cashier's check is generally used in the same city, transfer between banks, only less than 2 yuan handling fee can be opened, assuming your money is in the CCB, you want to transfer the money to the ICBC, open a cashier's check in the CCB, and then go to the ICBC to redeem the cashier's check, the industrial and commercial bill is paid when you see the bill, and the ICBC only asks which bank opened the cashier's check. Just like money, but the promissory note is only allowed to be cashed by the person, the name on the promissory note, whose name is put into whose account, let the person with the name on the promissory note go to the bank with his ID card to deal with it, and the bank will pay when he sees the note.

1. Characteristics of cashier's check settlement:

1) Easy to use. China's current cashier's check is convenient and flexible to use, pay at sight, and settle quickly.

2) High credibility and strong ability to pay. A cashier's check is issued by a bank and paid unconditionally by the issuing bank on the specified maturity date, and there is no problem of not being able to make normal payment.

<>1) Cashier's check can be used for transfer, cashier's check with the word "cash" can also be used to withdraw cash, and the applicant and payee of the cashier's check are individuals.

2) Cashier's check can be endorsed and transferred, and cashier's check filled with the word "cash" cannot be endorsed and transferred.

3) The prompt payment period for cashier's check is 2 months from the date of issue.

4) When the holder of the deposit account opened in the bank prompts the bank to make payment, it should be signed on the back of the bank cashier's check "the bearer prompts the bank to pay the signature", and the signature must be the same as the signature of the reserved bank.

5) The individual bearer who has not opened a deposit account in the bank shall sign and seal the back of the cashier's check when withdrawing cash from the issuing bank with the cashier's check marked "cash", recording the name, number and issuing authority of his identity document.

6) The denominations of the fixed bank cashier's check are 1,000 yuan, 5,000 yuan, 10,000 yuan and 50,000 yuan.

7) The payment period shall not exceed 2 months from the date of ticket issuance.

A bill of exchange is OK, but a cashier's check is not.

A cashier's check is a bill issued by the bank that the applicant deposits the money with the bank and promises to unconditionally pay the determined amount to the payee or bearer at the sight of the bank. Cashier's checks can be divided into two types: fixed amount and fixed amount according to whether their amount is fixed. Irregular cashier's check refers to a cashier's check in which the amount column on the voucher is blank, and the amount is filled in according to the actual needs when issued, and the amount is embossed with a number press; A fixed-amount cashier's check is a cashier's check with a fixed denomination pre-printed on the voucher.

Compared with other bank settlement methods, cashier's check settlement has the following characteristics:

1) Easy to use. The current cashier's check in China is convenient and flexible to use. Units, self-employed individuals and individuals, regardless of whether they have opened a bank account or not, can use cashier's checks for the settlement of all commodity transactions, labor services** and other payments within the same city.

The receiving unit and individual can handle the transfer and settlement of the cashier's check, or withdraw cash, and can also endorse the transfer. Cashier's check is paid at sight and settles quickly.

2) High credibility and strong ability to pay. A cashier's check is issued by a bank and paid unconditionally by the issuing bank on the specified maturity date, so it has a high reputation and generally does not have the problem of not being paid normally. Among them, the fixed amount bank promissory note is issued by the People's Bank of China and issued by major state-owned commercial banks**, and there is no problem that the bill cannot be paid.

Cashier's checks of irregular amounts are issued by the major state-owned commercial banks, and because of their abundant financial strength, there is generally no problem of unpaid bills.

Bank drafts.

a) Concept:

A bank draft is an instrument issued by the issuing bank and unconditionally paid to the payee or bearer according to the actual settlement amount at the sight of the draw. The issuing bank of the bank draft is the payer of the bank draft.

ii) Basic Provisions:

1. Units and individuals can use bank drafts for all kinds of payment settlement. A bank draft can be used to transfer money, and a bank draft with the word "cash" written on it can also be used to withdraw cash.

2. The prompt payment period of the bank draft is 1 month from the date of issuance. If the bearer exceeds the payment deadline and prompts payment, the payer will not be accepted.

3. The applicant shall submit the "Bank Draft Application" to the issuing bank, indicating the name of the payee, the amount and purpose of the draft, the name and account number of the applicant, the date of application, etc., and sign and seal, and the signature of the bank reserved for it.

4. When the payee accepts the bank draft delivered by the applicant, it shall settle within the amount of the bill and according to the actual amount needed, and fill in the actual settlement amount and the excess amount accurately and clearly in the relevant columns of the bank draft and the settlement notice.

5. The payee can transfer the endorsement of the bank draft to the endorsee.

6. When the holder of the deposit account opened in the bank prompts the bank to pay, it should sign on the back of the bill of exchange at the place where the holder prompts the bank to pay the signature, and the signature must be the same as the signature of the reserved bank, and the bank draft and the notice of settlement and the bill of receipt shall be sent to the opening bank. The bank will process the transfer after the bank reviews that it is correct.

If the applicant uses a cashier's check, he or she should fill in the "Application Form for Cashier's Check" to the bank, indicating the name of the payee, the name of the applicant, the amount to be paid, the date of application and other matters and sign it. If both the applicant and the payee are individuals who need to withdraw cash, they should fill in the word "cash" in the "payment amount" column first, and then fill in the payment amount.

If the applicant or payee is a unit, it is not allowed to apply for the issuance of a cash cashier's check.

The issuing bank accepts the application for a cashier's check, receives the money and issues a cashier's check. If it is used for transfer, the word "cash" shall be crossed out on the cashier's check; If both the applicant and the payee are individuals who need to withdraw cash, the word "transfer" shall be crossed out on the cashier's check. Cashier's checks of irregular amount are embossed with a number press to print the amount of the drawn.

The issuing bank signs the cashier's check and hands it to the applicant.

1. The applicant should fill in the "Application Form for Cashier's Check" to the bank when using the cashier's check. If the applicant or payee is a unit, it is not allowed to apply for the issuance of a cash cashier's check. 2. The issuing bank accepts the application for a cashier's check, issues a cashier's check after receiving the payment, signs and seals the cashier's check and hands it to the applicant.

The payment voucher should be prepared according to the stub copy of the "Application for Cashier's Check" returned by the bank's signature. 3. The applicant shall deliver the cashier's check to the payee named on the cashier's check. 4. The payee can transfer the endorsement of the cashier's check to the endorsee.

5. The prompt payment period of the cashier's check shall not exceed the maximum of two months from the date of issuance. During the period of the valid payment type Zhongfan, the bank will pay at the check. If the bearer exceeds the payment deadline and prompts payment, the bank will not accept it.

6. When the applicant requests a refund due to the cashier's check exceeding the payment deadline or other reasons, the applicant shall fill in the bill in duplicate and submit it to the issuing bank together with the cashier's check and issue a unit certificate. For the applicant who has opened a deposit account with the Bank, the issuing bank can only transfer the money to the original applicant's account; Cash refunds can only be made for cash cashier's checks and applicants who have not opened a deposit account with the Bank.

1. The applicant should fill in the "Application Form for Cashier's Check" to the bank when using the cashier's check. If the applicant or payee is a unit, it is not allowed to apply for the issuance of a cash cashier's check. 2. The issuing bank accepts the application for a cashier's check, issues a cashier's check after receiving the payment, signs and seals the cashier's check and hands it to the applicant.

The payment voucher should be prepared according to the stub copy of the "Application for Cashier's Check" returned by the bank's signature. 3. The applicant shall deliver the cashier's check to the payee named on the cashier's check. 4. The payee can transfer the endorsement of the cashier's check of Gaoyou Bank to the endorsee.

5. The prompt payment period of the cashier's check shall not exceed two months from the date of issuance. During the valid payment period, the bank will pay at the check. If the bearer exceeds the payment deadline and prompts payment, the bank will not accept it.

6. When the applicant requests a refund due to the cashier's check exceeding the payment deadline or other reasons, the applicant shall fill in the bill in duplicate and submit it to the issuing bank together with the cashier's check and issue a unit certificate. For the applicant who has opened a deposit account with the Bank, the issuing bank can only transfer the money to the account of the original applicant; Cash refunds can only be made for cash cashier's checks and applicants who have not opened a deposit account with the Bank.