Is there no charge for interbank cheque transfer?

All bank cheque transfers are free of charge. You've already spent money on a check.

Notes on transfer checks:

1. Purchase of checks: After the customer has used the transfer check, he should stamp the reserved bank seal on the transfer check receipt form, and at the same time pay the fee according to the standard and receive the blank transfer check;

2. 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;

3. The "drawer's signature" 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;

4. The bills issued by the customer shall be recorded in accordance with the "Payment and Settlement Measures" and the "Basic Provisions on Correctly Filling in Bills and Settlement Vouchers";

5. The payment period of the transfer check is 10 days, and the bank will not accept the check beyond the payment period; The statute of limitations for transfer cheques is six months from the date of issuance, and within six months of the issuance of the cheque, the payee may request payment from the payer with relevant supporting documents;

6. When the customer settles the account, the unused blank check shall be returned to the bank;

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

Cheque Image Exchange System Definition:

The national check image exchange system refers to the use of image technology to convert physical checks into check image information, and transmit the image information to the drawer's bank through the computer and network to prompt payment business processing system, which is another important financial infrastructure of the People's Bank of China after the completion of the large and small payment system. The image exchange system is positioned to handle the inter-bank and intra-bank check image information exchange of banking institutions, and its fund clearing is processed through the People's Bank of China's nationwide micropayment system. The processing of cheque image business is divided into two stages: image information exchange and business receipt processing, that is, the cheque submitting bank sends the cheque image information to the incoming bank through the image exchange system to prompt payment; The receiving bank sends a receipt to the submitting bank through the micropayment system to complete the payment.

No, it is valid for 10 days.

Transfer checks are valid for 10 days from the date of issuance, and can be submitted until March 5 if the check is issued on February 23.

The amount of the cross-regional clearing check must be less than 500,000 yuan, and the face of the check has been stamped with the clearing bank number of the payment bank, otherwise it will not be accepted.

However, even so, because the cheque cleared in another place is exchanged through the cheque image rather than the physical object, the bank's risk is relatively high, and it also causes a high rate of bounce cheques, so it is advisable to avoid using cheques across regions if the money is very important and must be successfully received.

Receiving unit. After the cashier has checked the accepted transfer cheque, he can fill in the bill in duplicate and send it to the bank where he opened the cheque. After the opening bank verifies that it is correct, it can stamp the first copy of the bill with the "transfer" seal and refund the ** unit.

The receiving unit shall prepare the bank deposit receipt voucher according to the first copy of the receipt of the receipt stamped by the bank.

No, it is valid for 10 days.

According to Article 40 of the People's Bank of China's Measures for the Administration of RMB Bank Settlement Accounts:

If the amount paid by the unit from its bank settlement account to the individual bank settlement account exceeds 50,000 yuan, the following payment basis shall be provided to its opening bank:

1. Payroll agreement and payee list.

2. Proof of reward. Dough skin.

3. The labor contract signed by the press and publication, performance organizer and the payee or the proof of payment to the individual.

4. Proof of payment or refund to natural persons by **company, ** company, trust and investment company, lottery issuance or underwriting department.

5. Creditor's rights or property rights transfer agreement.

6. Loan contract for transportation and distribution.

7. Certificate from the insurance company.

8. Certificate from the tax collection and administration department.

9. Contracts for the purchase and sale of agricultural, sideline and mineral products.

10. Proof of other legal funds.

Legal analysis: transfer checks can also be used in different places, in the payee's bank is a forward withdrawal, in the drawer's bank is a reverse withdrawal, basically all bank checks support saving cash.

Legal basis: Negotiable Instruments Law of the People's Republic of China

Article 81 A cheque is an instrument issued by the drawer, and the bank or other financial institution entrusted to handle the cheque deposit business shall unconditionally pay a certain amount to the payee or bearer at the sight of the cheque.

Article 82 To open a checking deposit account, the applicant must use his or her real name and submit a legal certificate to prove his identity.

To open a checking deposit account and receive a check, you should have reliable credit and deposit a certain amount of funds.

To open a checking deposit account, the applicant shall reserve the signature and seal of his or her real name.

Article 85 The amount on the cheque may be authorized by the drawer to make up the record, and the check before the refill shall not be used.

Article 86 If the name of the payee is not recorded on the check, it may be supplemented with the authorization of the drawer.

If the place of payment is not stated on the check, the place of business of the payer shall be the place of payment.

If the place of issuance is not stated on the cheque, the place of business, domicile or habitual residence of the drawer shall be the place of issuance.

The drawer can record himself or herself as the payee on the cheque.

Article 91 The bearer of the cheque shall prompt payment within 10 days from the date of issuance; The time limit for prompting payment of cheques used in other places shall be separately stipulated by the People's Bank of China.

If the prompt payment period is exceeded, the payer may not pay; If the payer does not pay, the drawer shall still bear the responsibility for the instrument to the holder.