How to transfer a cheque to a personal transfer

Upstairs, you're talking about a cash check withdrawal test.

Transfer checks, domestic, according to my several years of operating experience, can definitely not be withdrawn directly, and can not be transferred to personal accounts. If you don't give up, you can consult a few small banks, which may have different operational requirements and procedures from industry, agriculture, construction, and commerce.

In this case, you can find a self-employed merchant (with a bank account), which is the best, because there will be no tax or other issues involved. Like a regular fruit store, it can be operated. It's up to you to find a boss willing to help.

The second way is to ask a friend's company to help you enter the account, and after the account is received, withdraw the money. However, there will be traces on the bank records, and the other party's company's finances may not necessarily agree, so it is best to find the kind of company that has been approved and collected, and will generally be willing to help.

If you have a check, you can withdraw your name on the back of the check, and write your ID number, name, and the issuing police station agency that issued the identity of the back of the check, if not, (write your name on the letterhead, and fill in a bill on the letter), it is best to go to the check opening bank to handle it, and the account is relatively fast.

The beneficiary writes your name, but it seems that in this case, the current payment is generally not written, and the bank can generally only write labor expenses and the like. The bill is to be written, that is, fill in the bill and go to the bank branch where the other company has an account to handle the transfer. Just write the card number under your account name to receive money.

A transfer check can be issued to an individual, provided that the nature of the personal account is a personal settlement account of a bank; If the amount of the transfer check does not exceed 50,000 yuan, it can be directly transferred to the personal settlement account.

1. No more than 50,000 yuan can be transferred to your personal settlement account with only your personal ID card, and if it exceeds 50,000 yuan, you must provide the basis for payment (that is, contracts, agreements, processing orders, and tax payment certificates. and other documents that can prove that the transfer of funds is legal) before it can be transferred to your personal bank settlement account;

2. You can transfer money through the personal settlement account opened by the payment unit, or you can make inter-bank deposits, but it must be within the same city, such as an urban area or a county seat. In this case, it can be deposited in CCB, and the inter-bank exchange in the same city will ask for money from Bank of China;

3. The transfer time depends on the time of bank exchange, generally 1 to 2 days if it does not cross public holidays, and no more than 3 days at most.

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

A) the holder's rights to the drawer and acceptor of the instrument, two years from the maturity date of the instrument. Bills of exchange and promissory notes payable at sight shall be two years from the date of issue;

2) The bearer's rights to the drawer of the cheque shall be six months from the date of issuance;

C) the holder of the right of recourse to the previous hand, from the date of refusal to accept or refusal to pay for six months;

4) the holder of the recourse to the previous hand, three months from the date of settlement or the date of the lawsuit.

The date of issuance and maturity of the bill shall be determined by the parties to the bill in accordance with law. 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 83 The cheque may be withdrawn in cash or transferred, and when used for transfer, it shall be indicated on the front of the cheque.

If the cheque is specifically used for cash withdrawal, a cash cheque may be made separately, and the cash cheque can only be used for cash withdrawal.

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.

Deposit a transfer check at the bank:

1. Fill in all the vacant elements such as the payee (unit and personal name), the amount case, the date, and other vacant elements on the front of the check;

2. Stamped the financial seal of the unit and the seal of the legal person in the endorsed column on the back of the check.

3. Go to the bank and ask for a bill, generally in three copies, and in some places it is okay to write two copies;

4. Fill in the full name of the drawer and the opening bank in the three columns corresponding to the drawer on the upper left.

This information is available on the check);

5. Fill in the full name of the payee and the opening bank in the three columns corresponding to the payee in the upper right (these information sails are the first thing to remember);

6. Fill in the upper and lower case of the amount in the middle amount column;

7. There are three columns below the amount, fill in the type of bill as "transfer", fill in the number of bills as "1", and fill in the number of the bill number as the number of the check that will be deposited.

How to apply for a transfer check:

1. Issuance: The customer issues a transfer check according to the situation of the unit and stamps 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

1) The beneficiary or bearer entrusts his or her bank to collect the money with the transfer check or prompts the drawer to pay at the bank.

2) When the payee prompts payment, it should make an endorsement of entrusted collection, and sign and seal at the "endorser's signature" on the back of the transfer check, indicating the words entrusted collection.

3) 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.

Step 1: Seal at the back of the endorser's signature (financial seal, legal person seal), and the seal must be clear (otherwise it must be resealed). Step 2:

Fill out the incoming bill and go to the account bank to deposit the check. Step 3: Stamped with a bank entrustment at the endorsee (the bank will have this seal where the form is filled).

Step 4: Deposit the cheque at the counter.

The following is a detailed account of how to transfer cheques to the public account:

1. Check whether the check is within the validity period.

2. Check whether the date is capitalized and whether the writing is standardized.

3. Whether the amount is cased correctly and whether the payee is the full name of the unit.

4. Whether the purpose is written and the payment password is written.

5. Whether it has been endorsed and whether the endorsement is clear.

After inspection, the transfer check that is confirmed to be correct shall be stamped with the financial seal and legal person seal of the unit at the back endorser, and shall be filled in and entered into the bill at the bank. Fill in the elements of the bill according to the face of the check, fill in the full name of the unit, write the unit, and hand over the check and the bill to the bank staff after filling in.

You can transfer to a personal account, you need to apply for a personal bank card at the bank, for example, if you open a bank card in the Industrial Bank and deposit the check with the transfer check in the Industrial Bank, the money can be deposited in the bank card you have in the Industrial Bank.

However, when filling in the purpose of the check, you can only write "labor expenses", and the bank will not deposit it for other purposes. In addition, the bank also has regulations on the amount of the check, and not all the money is deposited into the personal account.

In addition, the bank also has regulations on the amount of the check, and not all the money is deposited into the personal account. Some banks stipulate that less than 50,000 yuan can be deposited into a personal account.