What s going on with a reversed check Compared to ordinary checks, the security is higher and the ot

For example, if enterprise A opens an account in bank A, and enterprise A needs to pay enterprise B, method 1: enterprise A issues a check to enterprise B, and enterprise B will hand over the check to the bank where enterprise B opens an account for payment, which is a positive withdrawal; Method 2:

Enterprise A goes to Bank A and uses its cheque to remit money to the bank where Enterprise B opens the bank, which is a reverse cheque. It stands to reason that a back check is more secure and faster.

The story of the Eight Immortals Crossing the Sea.

The story of the Eight Immortals crossing the sea can be said to be the most widely circulated Taoist mythological story in Chinese folklore, and it is known to almost all ages.

The so-called Eight Immortals refers to a group of immortals composed of eight Taoist immortals, they are Tie Guan Li, Han Zhongli, Zhang Guolao, He Xiangu, Lan Caihe, Lu Dongbin, Han Xiangzi, and Cao Guo's uncle. The complete account of them began in the Yuan Dynasty (1206-1368) and was formalized in the Ming Dynasty (1368-1644).

And the most famous story about them is"Eight immortals across the sea"The story goes: A god invited the Eight Immortals to his place to attend a banquet and watch the peony flowers, and when they returned, they were hindered by the Dragon King of the East China Sea, and as a result, the two sides and their allies divided into two groups, and a battle of skills, and finally the Eight Immortals and their friends each took out their magic weapons, won the victory, and successfully crossed the sea.

The legend of the Eight Immortals crossing the sea is one of the most moving legends in ancient China, and has now become a frequently used idiom and allusion. Especially among the people, its influence is very widespread, and some of the customs and habits derived from it have even spread to the coastal areas of Japan.

If the customer is really sending you money, it is safer to mention it backwards than to mention it positively. Because the customer sends the money to you himself, he can't send it out if he doesn't have the money. At present, the translation of the bank's reversal is less than 2 days. If you go with the city in this city, you will arrive immediately! The exchange varies from place to place!

But if the customer doesn't send money at all, he just tells you that it will take 1 or 2 days to arrive. If you cheat the goods and leave, there is no way!

In short, the general enterprise is the first money before the goods! Of course, cooked ones can also be an exception!

It is true that the reverse check is faster than the positive check in terms of speed, but it is a bit passive for the recipient, because you have to wait for the other party to reverse the payment!

This type of business is generally applicable to corporate customers (or individual settlement accounts).

For example, corporate customer A opened a basic account (or general account) with a bank in Shijingshan, Beijing, to purchase a number of transfer checks. On a certain day, the accountant of unit A was doing business in Shijingshan, and suddenly received a notice that he needed to immediately deposit a certain amount of money (let's say 5 million) in a bank in Haidian District for the transfer of money, and the accountant had no time to rush to Haidian to deposit a check (generally, the withdrawal of large amounts of cash must be notified to the bank in advance; It is not realistic to withdraw cash from the basic account and run to Haidian to deposit), he can use the reverse deposit to transfer funds in Shijingshan Bank. Doing so has the same effect as depositing cash (or depositing the transfer check) in a bank in Haidian.

Cheque reversal, specifically refers to the customer's stupid account at the cheque issuing bank (i.e., the cheque selling bank). When a customer purchases a check, the bank should affix the name of the bank and the name of the customer in the upper right corner of the check, and the name of the bank stamped here is the name of the issuing bank of the check). The flow of funds is from the cheque issuing bank to the customer's deposit account with another bank.

1. This kind of business is generally applicable to unit customers.

For example, corporate customer A opens a basic account (or general account) with a bank in Shijingshan, Beijing, to purchase a number of transfer checks. On a certain day, the accountant of unit A was doing business in Shijingshan, and suddenly received a notice that he needed to immediately deposit a certain amount of money (let's say 5 million) in a bank in Haidian District for the transfer of money, and the accountant had no time to rush to Haidian to deposit a check (generally, the withdrawal of large amounts of cash must be notified to the bank in advance; It is not realistic to withdraw cash from the basic account and run to Haidian to deposit), he can use the reverse deposit to transfer funds in Shijingshan Bank. Doing so has the same effect as depositing cash (or depositing the transfer check) at a bank in Haidian.

2. At this time, the front of the check should be stamped with the company's reserved seal of Shijingshan Bank (generally the financial seal and the legal person seal), fill in the capitalized date, the name of the receiving unit (at this time, the company transfers money to its other bank account, so the payee should be the company A), purpose, amount case, password (applicable to ICBC, if any), etc., blank on the back (if the bank in Haidian handles the "positive deposit" business corresponding to the reverse deposit, The back of the cheque should be stamped with the reserved seal of the payee in Haidian Bank).

3. If there is no accident (refund caused by the wrong line or inconsistent seal), it should arrive in the account within 12 hours (an exchange session) (24 hours for the positive deposit, and 2 to 3 days for the suburbs).

Generally speaking, the word "reverse deposit" is more common, because within the bank, reverse withdrawal is sometimes used for the transfer of the bank's internal account, account accounting bank difference, etc.