How do I withdraw money by check? How do you use a check to withdraw money from the bank?

Write your company's name in the recipient, fill in the amount, date. The front and back can be stamped with the seal (financial seal, name seal) reserved by your company in the bank.

The maximum amount of reserve is 10,000 yuan (write the reserve on the purpose of the check) and write down the number of people, where to go, and the ID number (write the travel expenses on the purpose of the check).

To collect wages, a salary statement must be issued and stamped with a financial seal or official seal (write the salary on the purpose of the check). If you want to withdraw more than 50,000 yuan, you need to make an appointment one day in advance, and write a large amount of cash withdrawal application** with the official seal. (The limit is different for each row).

If you want to transfer a cheque, you will need to transfer it to a bank transfer. If you need to transfer money immediately, take the transfer check to the drawer's bank, and you don't need to endorse the back of the check, just fill in a bill. If you are not in a hurry, you can also take the check to the bank account of your bank card, the back of the check needs to be endorsed, if the endorsement is not, ask the staff at the bank window, they will tell you how to fill it in, and then fill in the bill, which will take 1-3 days to transfer to your account.

1.Cheques can be simply divided into transfer cheques and cash cheques. If it is a cash cheque, you can collect it directly at the designated bank counter, but be careful not to lose it.

2.Anyone can get their hands on a cash check. If it is a transfer check, you must first have your own bank.

3.Endorse the name and official seal of your own opening bank, and invest it in the designated bank. Pay attention to fill in carefully and do not alter.

A cheque is an instrument issued by the drawer that entrusts a bank or other financial institution that handles the cheque deposit business to unconditionally pay 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.

Checks can be simply divided into cash checks and transfer checks, and the methods of withdrawing money for these two types of checks are as follows:

1. Transfer checks. It is not possible to withdraw money directly by transferring a cheque, it can only be used when it reaches another account. To transfer money, you need to bring your ID card to the bank that accepts the check to handle the business, and transfer the money to the account where you will settle and withdraw the money.

2. Cash checks. Cash cheques can be withdrawn directly and collected at the counter of the accepting bank.

1. Cash cheques can be withdrawn directly. If the transfer check is for an individual, the endorsement of the check should be this person, and this person needs to have a settlement account, and bring the ID card to the bank that accepts the check to handle the relevant business, and transfer the money to the settlement account.

2. Cash cheques can be withdrawn in cash, and transfer cheques cannot be withdrawn directly in cash, but can only be transferred for settlement.

After getting the transfer check, the user needs to go to the corresponding bank to go through the transfer procedures;

Then the bank lobby manager or counter attendant needs to issue a bill, and then take the number on the bank numbering machine to queue up;

Finally, just wait at the bank counter to withdraw the transfer from the target, and the withdrawal will be considered successful after confirming that the transfer has arrived.

Further information: 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.

Handling process: 1. Issuing a ticket: The customer will issue a transfer check according to the situation of the unit and affix the reserved bank seal.

2. Delivery of bills: The customer who issued the bill will hand over the bill to the payee (you can also go directly to the opening bank to handle the payment procedures).

3. Circulation and use of bills: the payee or bearer will endorse and transfer the transfer check according to the needs of the transaction.

4. Entrust collection or prompt payment: The payee or bearer entrusts his own bank with a transfer check to collect money or prompts payment to the drawer's bank. When the payee prompts payment, it should be made as an endorsement of the entrusted payment, which should be on the back of the transfer check"Endorser's signature"Signed and sealed, indicating the words entrusted to collect.

Report loss and stop payment: If the transfer check is lost and the person who loses the check needs to report the loss and stop payment, he should fill in the notice of loss report and stop payment and sign it, and the notice of loss report and stop payment shall be provided by the bank, and the fee shall be paid according to the standard.

Purchase of cheque: After the transfer cheque is used, the customer should stamp the reserved bank seal on the transfer cheque collection form, and at the same time pay the standard fee to receive the blank cheque.

The client shall issue a cheque within the balance of his deposit account. If the overdraft bank refunds the cheque, a fine of 5% but not less than 1,000 yuan will be imposed on the face value.

Signature of the drawer"The column should be stamped with the reserved bank seal, and if the seal is missing or the seal does not match, the bank will refund the cheque and impose a fine of 5% but not less than 1,000 yuan according to the face value.

The issuance of bills by customers shall be recorded in accordance with the "Payment and Settlement Measures" and the "Basic Provisions on Correctly Filling in Bills and Settlement Vouchers".

The payment period of the transfer check is 10 days, and the bank will not accept the check after the payment period; The statute of limitations for transfer cheques is six months from the date of issuance, and within six months from the date of issuance of the cheque, the payee may request payment from the payer with the relevant supporting documents. When the customer closes the account, the unused blank cheque should be returned to the bank.

The payee, amount, and date of the cheque cannot be altered. There is no need to endorse the back of the check when issuing a transfer check for payment, and the endorsement information is only required on the back when the check is received for bank credit.

Cheques can be simply divided into transfer cheques and cash cheques. If it is a cash check, it is very simple to go directly to the designated bank counter to pick it up, but beware of losing it, the general cash check can be obtained by anyone who gets the money. If it is a transfer check, you must first have your own opening bank, endorse the name and official seal of your opening bank, and put it into the designated bank.

Pay attention to fill in carefully and do not alter.

1. The bearer directly reminds the payment bank of the check.

In other words, after you get the transfer check, you have to show the check to the payer (financial institution). Once the cheque is presented, the payer will pay the amount stated on the cheque to the bearer from the account of the drawer of the cheque.

2. Entrust your company's correspondent bank to cash and transfer on your behalf.

Entrust your company's correspondent bank to exchange and cash the cheque on your behalf, and the bank will bring the cheque to the clearing house for exchange and processing between banks. In this case, if the balance of the invoicer at the paying bank is insufficient, the check becomes a dishonored check and will be returned with a note stating that the payment cannot be made. According to the national regulations, there is no handling fee for cash checks to withdraw cash from the bank, but you have to screen and check whether the cash check is complete and complete, and whether the seal (reserved seal) is clear and standardized, if it exceeds 50,000, you must make a plan to the bank in advance (it is best to do it by the check account), and hold your valid documents, so that you can withdraw cash smoothly.

Procedure Method.

1.You can transfer the check to the bank first and then withdraw the money, or endorse it to someone else to withdraw money, which is generally an endorsement to give people to pay for the goods. It usually takes one to two days to exchange a cheque for cash.

2.One way is to send the check directly to the bank of the drawee, and you fill out the bill yourself to the bank teller, depending on his mood, sometimes it takes about two days to arrive, sometimes it takes one day to arrive.

3.The check is handed to the bank of the drawee, and the process of this method is that the bank of the checkee goes to request the payment of the bank of the drawer, and then waits for the opening bank of the check to receive the payment instruction, and the bank transfers the money to the account where the bank of the drawee is located, this method is relatively slow, and it generally takes about two days.

4.There is also a way to go to the bank where the check is opened, which will be faster.

5.The bank that holds the check will transfer the money directly to the account of the bank that received the check, which reduces the process of requesting payment compared to handing the check to the bank of the drawee.

Extended information: We know that a check is a form of negotiable instrument, and after the party gets the check, it can be accepted by the issuing bank. Some friends will wonder, how to withdraw money by transfer check?

You can ask the account company B to make an endorsement and seal to transfer it to you, and then you can go to your bank with your ID card to go through the transfer procedures, and wait for a day or so The money will be transferred to your personal settlement account, and then you can withdraw money.

The transfer check is issued by the drawer, the transfer check can only be transferred, can not be withdrawn in cash, and the bank entrusted to handle the check deposit business unconditionally pays the determined amount to the payee or bearer at the sight of the bill;

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.

Legal Analysis: The cashing of cash cheques can be divided into two situations, one is that an individual holds a cash cheque, and the other is a company holding a cash cheque.

1. Individuals holding cash checks, cash checks are not allowed to be cashed on behalf of others, and must be handled in person at the bank.

2. The company takes the cash check to cash, and the receiving company needs to have a corporate account in the bank, the company's legal person seal (private seal) and financial seal, and then stamped with the financial seal and legal person seal.

Legal basis: Article 83 of the Negotiable Instruments Law can be withdrawn in cash or transferred, and when used for transfer, it shall be indicated on the front of the check. If the cheque is specifically used for cash withdrawal, a cash check can be made separately, and the cash check can only be used to withdraw cash.

If the cheque is specifically used for transfer, a separate transfer cheque may be made, and the transfer cheque can only be used for transfer, and cash may not be withdrawn.