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

1. The payee of the cash check can only write the name of his company and can only withdraw cash. The front and back sides must be stamped with an endorsement seal (that is, the financial seal and legal person seal reserved by your company in the bank), and you must also bring your own ID card, sometimes you have to show it).

2. In addition to the name of his own company, the payee of the transfer check can also write the name of other companies or individuals, but can only transfer money, not cash. When the payee writes the name of another company or individual, the endorsement and seal should only be stamped on the front side (the cheque is written directly to the other party). You can also go directly to the bank to deposit the transfer check, fill in the name of the other party's unit or individual, and stamp the endorsement seal reserved by your bank on the front and back, and fill in the bill (this needs to know the other party's and the opening bank). ‍

Cash check refers to a kind of check specially made for cash withdrawal, which is issued by the depositor to withdraw cash from the bank for the unit, and can also be issued to other units and individuals for settlement or entrust the bank to pay cash to the payee on behalf of the payee.

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.

There is no limit on the starting amount of cash cheques and transfer cheques, and the service objects are basically the same, which is the common denominator of the two;

The difference between a cash check and a transfer check is:

1. Cash cheques can only be withdrawn in cash and cannot be used for transfers; Cheques can only be used for transfers, not for cash withdrawals;

2. Cash cheques cannot be endorsed and transferred; A transfer check can be endorsed and transferred to another creditor.

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 When the customer needs to use cash, the cash check is issued at any time, the cash is withdrawn from the opening bank, and the bank unconditionally pays the payee a certain amount of cash at the time of the check.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. Transfer checks are the most basic type of intra-city payment and settlement business, which can only be used locally at first, but can now be used for remote transfers.

How do I tell the difference between a transfer check and a cash check?

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 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.

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.

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.

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. So what are the differences between a transfer check and a cash check?

One is the purpose, a cash check is a kind of check that can only be used to withdraw cash, and cannot be used for transfer, while a transfer check is a check that can only be used for transfer and cannot be used to withdraw cash.

Second, cash cheques cannot be used for endorsement and transfer, and transfer cheques can be endorsed and transferred to other creditor's rights.

The third is the function, cash cheque can only be used to withdraw cash, and can only be used to withdraw cash at the opening bank, while transfer cheque can only be used for transfer, and can only be used for transfer in the same city;

Fourth, the face information, the cash check needs to be endorsed by the company, and the payee fills in the financial seal, and the transfer check does not need face information, and the payee fills in the other party as the payee;

Fifth, the payee, the cash check must be filled in with the name of the unit, and the endorser on the back of the check shall be stamped with the special financial seal and legal person seal of the unit. The transfer check can be the name of the other party or the name of the individual payee;

Sixth, the purpose of the cash check is limited, and the general purpose column can only be filled in with reserves, travel expenses, wages, labor expenses, etc. There is no restriction on the purpose of the transfer check, and it can be filled in according to the actual items, such as ** fee, loan, etc.

The main elements of a cash check are filled out.

Date, payee, uppercase amount, lowercase amount, purpose, stamp, and recipient's information. It should be noted that the number of the date of ticket issuance must be capitalized by the celebrator, and must be added with zero before January 9, and must also be added with zero before January 9.

The name of the cash cheque payment bank and the drawer are the name and bank of the opening bank of the unit. The front of the check is stamped with the seal of the financial reputation and the seal of the legal person, both of which are indispensable, the ink needs to be red, the seal must be clear, if the seal is not empty and blurred, the check can only be invalidated, and then re-stamped after filling the check, whether the back needs to be stamped should look at the payee.

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).