6 dumb mistakes

which you make

while writing
Cheque’s – Dont do
it !
POSTED BY JAGOINVESTOR ON OCTOBER 7,

2013 COMMENTS (92)

One of the most common ways to pay

money to someone is through cheque’s.
Cheque’s give you the flexibility to make
payments to someone at some later date
(post dated cheque) by writing it now at
this moment. Writing a cheque seems to
be such a simple task, but do you know
that there are many weak links in writing
cheques which can create a big problem
for you.

If you are not careful while writing a

cheque, it can be misused by someone
else and potential of monitory loss to you
along with unwanted headache. Today’s
generation is very causal when it comes to
writing the cheques. In this article, I will
cover 6 must know points which you
should always practice writing the
cheque’s . You can see these 6 points as a
step by step recipe to write cheques. Lets
see them one by one

1. Do not leave spaces between words

or numbers

Its a no-brainier. When you write numbers

and words in the cheque, be it Name or
amount, never leave a space or gaps
between them, because that gives a
chance to add some alphabet or number
and change the whole cheque.

Imagine you issue a cheque to “ANKIT

SHARMA” , but put sufficient space
between “ANKIT” and “SHARMA” and it
looks like “ANKIT SHARMA” . One can
add an additional “A” after “ANKIT” and
the name can become “ANKITA SHARMA”
. However if you just leave exact one small
space between “ANKIT” and “SHARMA” ,
its going to be tough to add another
alphabet in between.

2. Make sure you cross the cheque

saying “A/C Payee”

If you are going to pay to some person

and want to force that the payment should
go to the same person bank account, in
that case, you should be putting a double
cross line on the left-top corner of cheque
and write “A/C Payee” or “Account
Payee“, which ensures that the money will
get credited only to a bank account and
not be handed over to someone as CASH
over the counter.

A lot of people forget to do this, and if the

cheque is misplaced or lost, someone can
pose himself as the target person and take
the money from bank, I hope you know
how easy it is to steal someone’s identity
and misuse the documents.

3. Add a line after the name and amount

till the end

I recently learned this point, where you

add a running line like
—————————- after the name and
the amount in the cheque, which ensures
that one cant add anything after the name
and amount and misuse it .

4. Cancel the word “Bearer”

If you look at your cheque closely, in the

“Pay” section, there is space for the name
and then on the right corner it ends with
“Or Bearer” , which means that either the
person whose name is written in the
cheque or anyone else who is bearing the
cheque can encash it , provided the “A/C
Payee” is added to cheque as mentioned
in 2nd point above. So you should always
cancel the word “Bearer” from the cheque,
unless you really want it. This ensures
additional safety of the cheque.

5. Add a sign of “/-” after the amount”

Now this might sound so small, but this

has lots of wisdom inside this simple trick .
There is huge difference between Rs
37,000 and Rs 37,000/- . In first option of
Rs 37,000 , you can add more numbers at
the end and can make it Rs 37,00000 if
there is enough space ahead of it, but in
case of Rs 37,000/- , You cant do anything
. Below is a simple example of how it can
be misused.

6. Keep the details of Cheque’s issued,

even if it sounds boring !

And finally, when you give a cheque to

someone, write down the cheque number,
account name, amount and the date when
it was issued or dated, because you might
need this information incase you want to
cancel the cheque. A lot of times, it
happens that you need to cancel the
payment, but do not remember the details.
Having recorded this information would be
handy at times and will help you to act
faster.

ICICI Bank also has a small tutorial on

correct way of writing cheque’s, which I
have added below, just have a look at it
and you should understand most of the
things.

Some more tips (From Readers Inputs

in Comments section)

Rishi Bhatia says – “Generally, while

giving a cheque, i also make a point to
use a cello tape on the name and
amount, so that no one can change
these”

Jitendra says – “In the present era of

mobile phones, when most of us have
camera enabled cell phone, it is better
idea to get a snapshot of Cheque
before handing over. This way all your
details will be maintained.”

Use these 6 things everytime you issue

a cheque

Next time you write a cheque, just make

sure you have done all these 6 things, and
the chances of misuse of your cheque will
be close to ZERO because each and every
step add a security layer. Let me know if
you have any tips on writing cheque in
correct manner or any real life experience
on this issue.

SHARE THIS ARTICLE

! " #

92 replies on this article “6 dumb mistakes which

you make while writing Cheque’s – Dont do it !”

Rohit kumar says:

April 7, 2022 at 10:55 pm
I m Rohit, m I issue sbi a payee cheque,

(1)on the front side of cheque

crossed a/c payee, valid date, valid signature, valid

amount written in figure a

nd words,

(2)on the back side of cheque

written account number, my mobile number, valid

signature, name, from my sbi account to my ib account

Even then how my cheque got boounce

fyi amount under 50000

so not needed pan number

Reply
Jagoinvestor says:
April 9, 2022 at 10:40 am
The balance may not be there in the

target account!

Reply

Pravin Harale says:

May 23, 2021 at 9:21 pm
for larger amount of cheque it is good practice to

mention payee account no after the name at front sode

just after pay section .

Reply
Jagoinvestor says:
May 25, 2021 at 7:07 pm
Thanks for sharing that Pravin

Reply

Kishan Sarvaiya says:

March 1, 2021 at 4:42 pm
Sir, i have a small doubt. My brother want to give me a

check of 20000 and that check has crossed line. So he

has to write my A. C number, name and mobile no to

the back side of check or he has to write his detail to

the back side of the check?

Reply
Jagoinvestor says:
March 1, 2021 at 5:10 pm
Front side ..

He can mention his details in

backside, but its optional!

Reply

Shahidur Rahman says:

January 23, 2020 at 11:29 am
Can I write 1000 rupi as 1000/00?

Reply
Jagoinvestor says:
January 24, 2020 at 11:40 am
I don’t think you should do that..

cheque will get bounced !

Reply

srikantha says:
March 30, 2016 at 3:29 pm
i write a self cheque and i crorred it it will clear or hav

to sign where i crossed

Reply

saravana says:
February 6, 2016 at 3:17 pm
hello sir,i did a mistake and worrying for tat for a

month,i had a cheque for about 3 years written as in rs

70,0_____.. . two months back i used it for ECS

purpose for advertising ,representative ask me for a

cancelled cheque and i gave tat cheque by simply

scribling in middle like 2 to 3 lines continuously (dont

know how to cancel a cheque at tat time) after tat he

ask me to sign for sample and i did and gave to him.

until now no problem came up…later i browse through

net an came to know about canceling cheque…. and i

saw that cheque was UNUSED until last week through

NET BANKING .i stopped the cheque through on line

is that ok or any thing to worry….reply me sir…

Reply
Manish Chauhan says:
February 21, 2016 at 4:35 pm
What is your question ?

Reply

Neeraj says:
January 4, 2016 at 10:52 am
If i issue a chueqe to any firm then “M/S” is mandatory

before the firm’s name or not.

Reply
Manish Chauhan says:
January 13, 2016 at 9:59 am
No , its not mandatory

Reply

Lakhan says:
December 2, 2015 at 8:19 am
One small silly mistake…i got one cheque from

another person but

A/C Payee was written by that person in his

handwriting

and i wrote accout number using my handwriting

will the cheque be cleared or it will get bounced?

Reply
Manish Chauhan says:
December 8, 2015 at 2:26 pm
It will get cleared . Nothing to worry !

Reply

salman says:
August 30, 2015 at 12:44 am
hi sir i gave a cheque to front party put a wrong date in

that cheque

Reply
Manish Chauhan says:
August 30, 2015 at 12:03 pm
So whats your query ?

Reply

Rishav says:
August 16, 2015 at 1:20 pm
Can I write my name & phone number on the back of

the cheque? Will the banker dishonor my cheque if I do

so?

Reply
Manish Chauhan says:
August 30, 2015 at 3:45 pm
No they wont

Reply

robinson says:
May 4, 2015 at 2:56 pm
7,736/- but i wrote ‘seven thousand seven hundrend

thirty six’ will the cheque be dishonored?

Reply
Manish Chauhan says:
May 5, 2015 at 6:56 pm
I think you wrote the right thing only .

.Why will it get dishounered !

Manish

Reply
robinson says:
May 5, 2015 at 7:09 pm
i wrote ‘hundrend’

instead of hundred

Reply
Bubay
mullic
k says:
July 5,
2018 at
1:09
am
Not

that

would

n’t

Cause

any

proble

m as

far but

still if

you

really

want

to

make

sure ”

just

circle

that

unnec

essary

or

excess

letter

you

writte

mistak

enly

Subscribe to Newsletters
nd

Signat

First name * ure

near to
Email *
it .

That’s
Subscribe!
it .