2. If it is a transfer check, you can go to any bank with a deposit account to go through the deposit formalities. You can go to the bank to fill out a deposit slip, give the check and deposit slip to the bank, leave a copy of your ID card and wait. Generally, it can be received the next day, and there is no handling fee.
Extended data:
I. Cheques
1. A cheque is a bill issued by the drawer, which entrusts a bank or other financial institution to handle the cheque deposit business, and unconditionally pays a certain amount to the payee or the holder at sight. Similarly, the check system is also applicable to the relevant terms of the bill of exchange, so we only introduce the special terms of the check different from the bill of exchange.
2. The characteristics of checks are: first, checks are entrusted securities, but the payer of checks is special and must be a bank or non-bank financial institution with the qualification of checking deposit business. Secondly, China only has spot checks, and there is no check acceptance system.
Second, the provisions
(1) Classification of check record items
The items recorded in the check include absolute items, relative items and illegal items. China's "Negotiable Instruments Law" and "Payment and Settlement Measures" stipulate that the drawer may authorize the supplementary instrument to record two absolute items, including the check amount and the name of the payee, which shall not be used before the supplementary instrument is made.
1, absolute item:
① indicate the word "check";
② Unconditional payment entrustment;
(3) The determined amount;
(4) the name of the payer;
⑤ Date of issue;
⑥ Signature of the drawer.
This is a necessary clause in the law of negotiable instruments. If an item is missing, the bill is invalid.
(2) Relevant records:
① Place of payment (if the place of payment is not indicated on the cheque, the place of payment is the business place of the payer).
(2) Place of issue (if the place of issue is not specified on the cheque, the business place, domicile and habitual residence of the drawer shall be the place of issue). It means that the Negotiable Instruments Law stipulates that it should be recorded but not recorded. If it is not recorded, it can be presumed by law, which will not lead to the invalidity of the bill.
(3) Non-statutory items:
The purpose of the inspection;
② Contract number;
3 agreed liquidated damages;
(4) the jurisdiction of the court and so on.
Non-statutory items are invalid for checks.
(4) Features
1, easy to use, simple and flexible program;
2. The time limit for presentment payment of a cheque is 10 day from the date of issue;
3. Cheques can be transferred by endorsement, but cheques used to withdraw cash cannot be transferred by endorsement.
Third, classification
1, registered check
(Cheques made payable to the payee) Indicate the payee's name in the payee column of the cheque, such as "A only" or "Payer", which must be signed by the payee before withdrawal.
2. Bearer check
A check paid to the holder, also known as a blank check, does not record the name of the payee, but only writes "paid to the holder". When withdrawing money, the holder can withdraw money without signing on the back of the check. This check can only be transferred on delivery.
Step 3 cross a check
A crossed cheque is a cheque with two parallel lines drawn on the front. Crossed checks are different from ordinary checks. The crossed cheque is not allowed to collect the fare unless it is paid by the bank, so the bank can only be entrusted to collect the fare. The purpose of using crossed checks is to recover money from clues collected by banks when checks are lost or impersonated.
4. Guaranteed check
(Guaranteed cheque) means that in order to prevent the drawer from issuing a blank cheque and ensure payment when presenting the cheque, the payee or holder of the cheque may ask the bank to "guarantee payment" for the cheque. Guaranteed payment means that the paying bank stamps the cheque with "guaranteed payment" to show that the cheque must be paid when presented. Once the check is guaranteed, the bank will bear the responsibility for payment. Both the drawer and the endorser have the right of recourse. The paying bank will transfer the money in the drawer's account to a special account for payment after guaranteeing the payment of the check, so it will not be returned when presenting the guaranteed check.
5. Cash check
A cash check is a kind of check specially used to withdraw cash. When customers need to use cash, they will write a cash check at any time to the bank where they open the account to withdraw cash, and the bank will unconditionally pay the payee a certain amount of spot cash.
6. Bank check
A bank check is a check issued and paid by a bank, and it is also a bank draft at sight. When a bank handles the remittance of a bill on behalf of a customer, it may issue a bank check.
7.traveler's checks
Traveler's check is a fixed amount payment tool issued by banks or travel agencies for tourists, and it is a means of payment for tourists to buy in cash from the issuing institution.
Compared with other checks, traveler's checks have the following characteristics:
① The quantity is relatively small.
② There is no designated payer and payment place. You can withdraw money from the issuing bank, foreign branches of travel agencies or agents.
③ It is safer. When buying traveler's checks to withdraw money, passengers must go through the formalities of initial signing and re-signing before withdrawing money.
(4) the remitter is also the payee. Other checks are deposited in the bank before they can be withdrawn, while traveler's checks are purchased in cash, similar to bank drafts, except that the drawer of traveler's checks is also the payee.
⑤ The circulation period is not specified. Because it is profitable to issue traveler's checks without paying interest, banks and travel agencies compete to issue traveler's checks.