How to Fill a Cheque: Step-by-Step Guide for Cheque Writing Tips
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Ever written a promise on paper? That's what bank cheques are all about. They’ve been around for ages, ensuring people and businesses transact without a hitch. In the quick-click digital era, the technique of writing cheques still stands strong. Curious about why? Stick around. This article will answer all your queries, starting from how to fill in cheque details!

What is a Cheque?

A cheque is basically a written order. It’s like ordering your bank to transfer a fixed amount of money to a particular person or organisation. While apps and e-transfers are rising, cheques aren't fading into the sunset. They have a unique charm and trustworthiness that keeps them in the game. Plus, for certain formal dealings, they're the preferred choice.

What are the Feature Benefits of Cheques?

Cheques might seem old-school in a world buzzing with digital transactions, but they have some solid advantages. Let's dive in:

  • Secure mode of payment. When you hand over a cheque, there's no risk of dropped connections or failed transfers. It's a direct promise of payment without tech glitches.
  • Acts as a written record. Ever tried remembering an online transaction from months ago? With cheques, you have a physical record.
  • Flexibility with post-dating. Need to delay a payment? Just post-date your cheque. It’s like setting a reminder for your bank.
  • No need for cash handling. Let’s face it, carrying a chunk of cash isn’t just heavy, it’s risky. With cheques, make bigger payments without hassles.


What are the Different Types of Cheques?

Let us learn about different types of cheques available for banking transactions.

  • Bearer Cheque: The old “cash it if you have it” type. Whoever holds this cheque can cash it. Think of it like cash but in paper form.
  • Order Cheque: This one’s more personal. It’s payable to a specific person mentioned on the cheque. If you’re not the named person, you’re out of luck.
  • Crossed Cheque: Want an added layer of safety? With two diagonal lines at the top left corner, the money can only go into a bank savings account, not hands.
  • Open Cheque: No crossing lines, no specific payee. This cheque is open for business, meaning anyone can encash it.
  • Post-Dated Cheque: Writing a cheque today for a payment in the future? That’s post-dating. It helps schedule future payments.
  • Stale Cheque: Cheques come with an expiration date, typically three months. If you try cashing one after that, it won’t be honoured.
  • Self Cheque: Need some cash for yourself from your account? This cheque's your best mate. Just remember, it's for personal withdrawals.

How to Write a Cheque?

Writing a cheque isn’t just scribbling down numbers and names. There’s a method to ensure your money reaches the right place:

  • Mentioning the date correctly. Sounds basic, right? Yet it’s easy to get wrong. Ensure you put the current date or, if post-dating, the intended cashing date.
  • Properly writing the payee’s name. It's crucial! Write clearly and avoid abbreviations unless you know how the beneficiary's bank account is named.
  • Amount in words and figures. First, write the amount numerically in the box provided. Then, spell out the amount in words on the Rupee line. Tip: Always start right at the beginning of the line to avoid tampering.
  • Signature as in bank records. Your signature on a cheque should match the one the bank has on record. Otherwise, it may get stopped/rejected.

Advantages and Disadvantages of Using a Cheque

Cheques have been around for a while and for good reasons. But like everything, they've got their pros and cons:


  • Security: Unlike cash, if you lose a cheque, not just anyone can cash it (especially if it’s a crossed cheque).
  • Traceability: Each cheque has a unique number, making it easy to trace.
  • Convenience: No need to carry heaps of cash. A bank cheque can represent a huge amount.


  • Possibility of bouncing: If the account doesn’t have sufficient funds or the signatures don’t match, the cheque can bounce, leading to financial penalties.
  • Time-consuming clearing process: Unlike instant digital transactions, cheques take a while to clear, which can sometimes be a bummer when you’re in a hurry.

How to Apply for a New Cheque Book?

Gone are the days when the only way to get a cheque book was to stand in a long bank queue. Today, banks offer multiple avenues to make this process painless:

  • Approaching the bank directly: Old school, but effective. Go to your nearest branch, fill out a requisition slip, and you’re set. They will send a new cheque to your registered address.
  • Online application through net banking: If you’re net-savvy, log into your net banking portal. Look for the “service requests” or “cheque book request” option. A few clicks, and you’re sorted.
  • Mobile banking request: For those always on the go, whip out your smartphone. Most banking apps these days have an option for requesting a new cheque book. It’s as easy as ordering a pizza!

What Are the Components of a Cheque?

A cheque might look simple, but it’s a document loaded with crucial details. Here’s a breakdown:

  • ate: Specifies when the cheque was written and can also be used to post-date payments.
  • Payee: The individual or entity to whom the cheque is payable.
  • Amount: This is written twice: once in numbers and once in words to avoid any kind of ambiguity.
  • Signature: Your personal authentication that the cheque is legitimate.
  • Cheque number: A unique identification number for every cheque, helping in its traceability.
  • MICR code: Standing for Magnetic Ink Character Recognition, this unique code helps in the electronic processing of the cheque.

Frequently Asked Questions

Let’s clear up some common queries about cheques:

1. What does a cheque number mean?

Think of the cheque number as a unique ID for each leaf in your chequebook. It’s crucial for tracking transactions and keeping things orderly.

2. A mistake or overwriting on the cheque - will the bank be okay with it?

Honestly, banks aren’t too fond of errors. In most cases, they’ll ask you to write a new one. So, it’s better to be careful while writing a cheque – avoid cutting or overwriting.

3. What’s the downside of using cheques with savings accounts?

Cheques aren’t without their hiccups. There’s the wait due to the clearing cycle, the dreaded risk of them bouncing, and sometimes, the need for human intervention.

4. Order cheques vs bearer cheques- same thing?

Not quite. An order cheque is made out to a specific name. In contrast, anyone can cash a bearer cheque.

5. Can my bank just cancel my cheque?

They sure can. Your bank can halt the cheque if something seems off or they sense potential fraud. Many times, the cheque issuer may not have enough funds for cheque payment. This can also become a reason for cancellation.

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