Setup walkthroughs, printer alignment fixes, bank cheque formats and plain-English answers to the cheque questions people actually ask.
Signing a cheque over to somebody else. Widely restricted in practice, and ruled out entirely by an account payee crossing.
Telling your bank not to pay a cheque you have already issued. Act fast, and have the cheque number ready.
What banks charge when a cheque bounces — and why the charge is usually the smallest part of the cost.
How long a cheque can be banked. Three months in India, counted from the date written on the cheque.
You tell the bank the details of a large cheque before it is presented. The bank checks the presented cheque against what you declared.
Banks clear cheques from a scanned image instead of physically moving the paper. It is why the Indian cheque format is standardised.
Magnetic Ink Character Recognition — the stylised digits along the bottom of a cheque that machines read. Never print over them.
The unique serial on each leaf. It is how a cheque is identified, tracked and stopped, and it also appears in the MICR band.
One individual cheque from a cheque book. Counting them correctly matters when you set up printing.
A cheque you write to yourself to withdraw cash from your own account. Effectively a withdrawal slip you can hand to someone else.
A cheque presented after its validity period has run out. The bank returns it unpaid, and the debt behind it does not disappear.
A cheque dated in the future. Standard for rent and instalments across the Gulf and India, and a scheduling problem if you issue many.
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