What is the difference between a cash check and a transfer check?

The main differences between a cash check and a transfer check are:

1. The face information is different. Cash cheques require company endorsement, while transfer cheques do not require endorsement from the company, the payee of cash cheques is the same as that on the financial account, and the payee of transfer cheques is the payee who needs to be issued to the other party.

2. The functions are different. Cash cheques can only be used to withdraw cash (for bank accounts only); Cheques can only be used for transfers (within the same city).

3. The payee is different. The payee of the cash check should be written as the name of the unit, and the "endorsee" column on the back of the cash check should be stamped with the special financial seal and legal person seal of the unit; The payee of the transfer check can be the name of the other party or the name of the individual.

4. Different uses. There are certain restrictions on cash checks, generally fill in the reserve, travel expenses, wages, labor expenses, etc., and there are certain regulations, generally 1-30,000 yuan to fill in the reserve, 4-100,000 to fill in the travel expenses, more than 100,000 to fill in the freight; There are no specific regulations for the transfer check, which can be filled in such as "payment", "** fee", etc., there are no specific regulations, and it can be filled in according to the actual items.

Cash cheques are printed with the word "cash" and can only be used to withdraw cash; Transfer cheques are printed with the word "transfer" and can only be used for transfers. If the word "cash" or "transfer" is not printed on the check, it is an ordinary check, and the ordinary check can be used to withdraw cash or transfer, and if two parallel lines are drawn in the upper left corner of the ordinary check, it is a crossed check, and the crossed check can only be used for transfer, not for cash withdrawal.

Legal analysis: In terms of use, cash checks are used to withdraw cash, and the bearer can be the drawer, other people or other units, mainly for cash payment. Transfer checks are mainly used for transfers, and the bearer can be an individual or a unit.

If the bearer of the transfer check is an individual, an individual is required, and if it is a unit, a unit is required. There is also a difference in the scope of use of cash checks and transfer checks. A cheque with the word "Transfer" printed on it is a transfer cheque, and the cheque can only be used for transfers.

Checks that do not have the words "cash" or "transfer" printed on them are ordinary checks, which can be used to withdraw cash or transfer money. If two parallel lines are drawn in the upper left corner of an ordinary cheque, it is a crossed cheque, and the crossed cheque can only be used for transfer and cannot be withdrawn in cash.

Legal basis: Measures for Payment and Settlement》 Article 115 A cheque with the word "cash" printed on it is a cash cheque, and a cash cheque can only be used to withdraw cash.

A cash check is a type of check that is specially made for cash withdrawal. When the customer needs to use cash, the cash check is issued at any time, the cash is withdrawn from the opening bank, and the bank unconditionally pays the payee a certain amount of cash at the time of the check.

When the customer does not pay the payee in cash, he can issue a transfer cheque and go to the opening bank by himself or hand the transfer check to the beneficiary to go through the payment procedures at the opening bank. Transfer cheques can only be used for transfers, not for cash withdrawals.

A transfer check is an instrument issued by the drawer, and the bank entrusted to handle the check deposit business unconditionally pays a certain amount to the payee or bearer at the sight of the draw; Units and individual customers who have opened deposit accounts in banks can issue transfer checks for all kinds of funds used for intra-city transactions and entrust the opening bank to handle the payment procedures. Transfer cheques can only be used for transfers. The pen is swollen and the mirror is resistant to invasion, and the superintendent is devastated and the mirror is mixed and forgiven.

1. What is a cash check?

Cash check, symmetry of "transfer check". A cheque used by a depositor to withdraw cash from a bank or pay to a payee. China's cash management system and settlement measures stipulate that state-owned enterprises, institutions, institutions, organizations and other units that have opened bank accounts can only use cash cheques within the scope of the permitted use of cash, and shall specify the purpose of the funds and accept the supervision of the bank.

Cash cheques cannot be used for fund transfers. If you have lost a cash cheque that has been issued, you can apply to the bank to report the loss. If the payment has been made before the loss is reported, the bank will not accept it.

2. What is a transfer check:

A transfer cheque is a voucher issued by an entity notifying the bank to withdraw money from its account. Transfer cheques can only be used for transfers and cannot be used for cash withdrawals. It is applicable to the settlement of payments for commodity transactions, labor services** and other economic transactions between units.

The transfer check shall be signed by the payment unit and handed over to the receiving unit, and the receiving unit shall not be entrusted to sign on behalf of the receiving unit; The issuance of dishonoured cheques and post-dated cheques is not permitted; Cheques are not allowed to be rented out. All units must comply with the relevant regulations of the bank when using the transfer cheque.

The biggest difference between cash cheque and transfer cheque is that cash cheque can be withdrawn from the opening bank. Cheques cannot be withdrawn in cash at the bank.

The difference between a transfer check and a cash check: a transfer check is a bill issued by the drawer, and the bank entrusted to handle the check deposit business unconditionally pays a certain amount to the payee or bearer at the sight of the check; Units and individual customers who have opened deposit accounts in banks can issue transfer checks for all kinds of funds used for intra-city transactions and entrust the opening bank to handle the payment procedures. Transfer cheques can only be used for transfers.

A cash check is a type of check that is specially made for cash withdrawal. It is issued by the depositor for withdrawing cash from the bank for the unit, and can also be issued to other units and individuals for settlement or entrusting the bank to pay cash to the payee on behalf of the bank.

Cheques can only be used for transfers, not for cash withdrawals. Cash cheques can only be withdrawn in cash, not for transfers. Transfer checks can be endorsed for transfer. Cash cheques cannot be endorsed for transfer.

If you deposit cash directly, you have to go through the current account, and the biggest difference between a transfer check and a cash check is that the transfer check can only be transferred, not withdrawn. Transfer cheques can be requested at any bank where you have an account, but cash cheques can only be purchased at basic account banks

Cash check withdrawal, to the back of the bookee to stamp your company's reserved seal in the bank, but also to bring an ID card, write your ID number, name, etc. A company can generally only withdraw 50,000 yuan a day If you take more, you can also write an application

1. Cash cheques and transfer cheques are used within the same city.

2. The cash check can only be used to withdraw cash, it can be issued by the depositor to the bank to withdraw cash for the unit, or it can be issued to other units and individuals for settlement or entrust the bank to pay cash to the payee on behalf of the payee.

3. The transfer check can only be used for transfer, and it is applicable to the transfer of money from the depositor to the receiving unit within the same city to handle the settlement of commodity transactions, labor services, debts and other current payments.

Collection is a settlement method in which the exporter entrusts a local bank to present the documents to the importer through the bank at the place of import and collect the payment according to its requirements.

Cash cheques can only be bought at your basic bank for cash withdrawals According to the bank's requirements, there is a maximum withdrawal limit per day As long as the limit is not exceeded in one day, it can be withdrawn multiple times (the bank does not give it, it is a special regulation of the bank or afraid of trouble) Borrow: cash; Credit: Bank deposits.

Transfer cheques can be bought in the general bank account, and the purpose is to transfer the money in your account through your large pen of money when you can't see the cash. Credit: Bank deposits.

Everyone loves to use cash checks because they can get cash without having to transfer it to their own company account and then take it out. Both bank deposits and cash loans are bank deposits, and the debit side is different, but in fact there is not much difference.

Cheques are widely used among businesses, and different cheques are issued for different business needs. For example, cash checks, and checks before the big account. So what's the difference between a cash check and a transfer check?

Both cash cheques and transfer cheques can be used for transfer purposes, but please note that Douque cash cheques cannot be used for transfers, only cash withdrawals; Cheques cannot be withdrawn in cash and can only be used for transfers.

The difference between the two types of checks in terms of endorsement methods.

Cash check: The payee is the name of the payer's own unit, and the reserved seal of the payer with the endorsement stamp. The check can be handed directly to the payee, and the bearer can go directly to the payer's bank to withdraw cash.

Transfer check: The payee is the name of the payee, and the endorsement is written with the payee's signature. After receiving it, the beneficiary can directly go to his own account bank to handle the entrusted collection and accounting.

Things to keep in mind when transferring a check.

1. After the customer has finished using the transfer check, he should stamp the reserved bank seal on the transfer check collection form, and at the same time pay the fee according to the standard to receive the blank transfer check.

2. If the cheque is overdrawn, the bank will return the cheque and impose a fine of 5 but not less than 1,000 yuan according to the face value.

3. When the seal is missing or the seal is inconsistent in the column of "signature of the drawer", the bank shall impose a fine of 5 but not less than 1,000 yuan according to the face value and refund the cheque.

4. The bills issued by the customer shall be recorded in accordance with the relevant regulations.

5. The statute of limitations for transferring cheques is six months from the date of issuance; The deadline for payment is 10 days. Cheques that are past the payment period will not be accepted by the bank.

6. The unused blank check shall be returned to the bank when the customer settles the account.

7. The amount, payee and date of the cheque shall not be altered.

8. When receiving the check for bank transfer, you need to fill in the endorsement information on the back, and you don't need to endorse the back of the check when issuing a transfer check for payment.

Application for cash checks.

First of all, pay attention to the following conditions:

1. Only basic accounts have cash checks.

2. With reserved seals (financial seals, legal person seals).

3. Fill in the fee voucher and open the bank of the basic account (buy or bank).