Check application:
1. Corporate legal person:
Bring the company's official seal, legal person seal, and financial seal to the corporate business counter of the account-opening bank , fill out a purchase check purchase form, stamp the financial seal and corporate seal, and you can purchase.
2. Self-employed:
After opening an account directly at the bank with your business license, organization code certificate, tax registration certificate, and ID card of the individual householder, you can apply for a check. The procedures are as above. In addition, if you are collecting money, as long as you have a personal passbook, you can just issue a transfer check to the passbook in your name.
3. Personal:
Personal checks are slightly more troublesome than applying for a credit card. Banks mainly set thresholds in three aspects:
Firstly, The applicant's bank account must have a certain balance, and some banks require it to reach 100,000 yuan.
Second, the applicant must have a good credit record and stable economic income; the bank where the account is opened must review the applicant's social credibility.
Third, most banks require applicants to hold a local account, or hold a foreign passport for more than one year and have a fixed place of residence in the local area.
Eligible residents can apply to banks that have launched personal check business with proof of identity and guarantee. After passing the bank's credit review, seals and signatures will be reserved.
Checks are just a payment tool that can be used by both self-employed individuals and companies. They are all the same. All kinds of check transactions must comply with the regulations and adjustments stipulated in the "Negotiable Instruments Law" and other negotiable instrument laws. There is no difference.
The check fee is calculated on a per-book basis, usually 25 yuan per book, with 20 checks per book.
Application:
1. To open a checking deposit account, the applicant must use his or her real name and submit legal documents proving his or her identity;
2. To open a check deposit account, the applicant should reserve his/her signature and seal;
3. To open a check deposit account and receive checks, the applicant should have reliable credit and deposit a certain amount of funds. :
Usage:
1. Transfer checks can be endorsed and transferred; cash checks cannot be endorsed and transferred.
2. The payment period for check presentation is ten days (from the day the check is issued, the expiration date will be postponed in case of holidays).
3. The date of issuance of the check, the amount in upper and lower case, and the name of the payee cannot be changed. If other contents are incorrect, they can be corrected by underlining them and stamped with one of the reserved bank seals to prove it.
4. If a check is lost, you can apply to the paying bank to report the loss and stop payment; if the check has been paid before reporting the loss, the bank will not accept it.
5. If the drawer issues a bad check or a check whose seal does not match the seal reserved by the bank, the bank will not only refund the check, but also impose a penalty of 5% of the face value but not less than 1,000 yuan. fine. The holder has the right to demand compensation from the drawer of 2% of the check amount.
6. "Payment and Settlement Measures" of the People's Bank of China (Yinfa No. 1997393) "Article 125 The drawer issues a bad check, a check whose seal does not match the bank's reserved seal, and uses a payment password In areas where the payment password is incorrect, the bank shall refund the check and impose a fine of 5% of the face value but not less than 1,000 yuan; the holder has the right to require the drawer to compensate for 2% of the check amount for repeated issuances. "Notice of the People's Bank of China on Issues Concerning the Implementation of Administrative Penalties for the Issuance of Bad Checks" (Yinfa No. 2005114) "First (1) Qualification of the subject for imposing penalties. : In accordance with the relevant provisions of the "Administrative Punishment Law of the People's Republic of China" and the "Implementation Measures for the Administration of Bills", the People's Bank of China and its branches shall implement checks that issue bad checks or checks whose signatures do not match the reserved bank accounts. The administrative penalties of the drawer shall be suspended according to Articles 125 and 239 of the "Payment and Settlement Measures".
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