HOW TO FILL OUT A CHECK
An easy ways to how to fill out checks
Checks are banking instruments that are still in use especially among people who have or manage companies, since it remains one of the most common tools of payment, but it is necessary to know the correct filling to avoid refunds or hassles of persons that perform payment by this means. Filling is actually very simple, as well as routine, so it represents no problem for anyone once explained to him the first time. Although the format and order may vary, in essence is as shown below.
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Checks to the carrier, the order can be distinguished according to the way in which checks are filled, and nominative. In addition, all of them can be crossed so that they are paid by a bank deposit.
When a bank customer fill out a check and delivers it to make a payment, what you are actually doing is entregr an order to the Bank, so that it paid the funds listed in the document.
The Bank, therefore, must pay what is indicated at the time that the check is presented, regardless of if the date is future (for the law there the "checks").
On the other hand, if the date is passed, apply certain time limits determined by the law and the Superintendence rules, making sure a check is invalid when certain time limits have elapsed.
It is very important that the person making the check, be sure that when that document is copper, the account has sufficient funds to cover this amount. There is not the amount of money indicated on the check, this will be protested and the drawer of the same (i.e. the owner of the current account) will have important consequences.
Checks to the carrier, the order can be distinguished according to the way in which checks are filled, and nominative. In addition, all of them can be crossed to make your payment by deposit in a checking account.
Your form fill and features, described and shown below:
Check to the carrier: If the printed words are not labeled "to the carrier", the check can be cashed by any person who presents it to collection at the bank.
Check to order: when words are labeled "to the carrier", the check can only be cashed by the payee whose name appears below the words written "pay to the order of". However, the beneficiary can deliver it in payment to another person for which must endorse it, i.e., write your signature on the back of the check. In this case, anyone can collect it as if it were a carrier.
Check nominative: If the printed words are labeled "to the order of" and "carrier", it said that check nominative and only may be paid to the beneficiary indicated on the check. It can not be endorsed someone else.
Crossed check: If you want to check is not cashed in money in cash at the Bank that the amount be deposited in another account, to check are plotted you two parallel lines across. This is called a cross or to deposit check. To the carrier, to the order and nominative checks can be crossed.
It is important to point out that you can not remove the "cross" of a check condition, since the Bank current accounts and checks Act expressly prohibits the wearer delete or alter the transversal lines and indications of the crossed check.
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