You call your bank and ask if this check for city B is acceptable. Or you can take a check to your bank, which is the surest.
If both cities in AB are big cities, you don't have to ask anything, just take it and give it to your bank, and you can deposit it in your account the next day at the earliest. This is called remote video payment, which was first opened in big cities. It has been in operation for two or three years, and I don't know how wide the coverage is now.
Can checks be charged in different places?
Checks are used for settlement in the same city, not for bookkeeping in different places. But checks transferred from different places can be recorded in different places.
Cheques transferred from different places are recorded in the accounts and processed through the National Cheque Imaging System of the People's Bank of China. According to the requirements of the People's Bank of China, the accepting bank will send a video message to the drawer's bank after accepting the transfer check, and send it at 10 at the latest the next morning. The drawer's bank receives the image information for checking, and sends a receipt at the latest 2 working days to determine whether to pay.
Can the transfer check be credited across the city?
Transfer checks can also be used in different places. It is drawn forward when the drawer's bank accounts, and backward when the drawer's bank handles it. Basically, all bank checks support cash exchange in the province.
1. Since June 25th, 2007, transfer checks can be used nationwide. This also means that local enterprises can issue cheques to payees anywhere in China, and can also accept cheques anywhere in China.
2. After this check is widely used in China, the check voucher issued by the drawer remains unchanged, and the time limit for presenting payment of the check is still 10 day.
3. In order to strengthen risk control, the maximum amount of a single check used in different places is 500,000 yuan, and the code of 12 national unified standard banking institution is recorded at the lower right of the face.
4, enterprises and institutions in accepting checks used in different places, should carefully review whether the check records the bank institution code, and confirm whether the check amount is within the prescribed limits.
In addition, generally speaking, the payee can receive the payment within 2 ~ 3 hours at the earliest, and within 3 working days from the date when the bank accepts the check.
Can transfer checks be used in different places?
Account checks have been officially implemented nationwide, and the amount of cross-regional clearing checks must be less than 500,000, and the face has been stamped with the clearing bank number of the paying bank, otherwise it will not be accepted.
But even so, because checks are settled in different places by exchanging check images instead of physical objects, the risk of banks is relatively high, which also leads to a high refund rate. Therefore, if the money is very important and must be received successfully, it is best to avoid using checks across regions.
It is recommended not to use it!
Can ordinary checks be settled in different places?
Of course.
A cheque is a bill issued by the drawer, which entrusts a bank or other financial institution to handle the deposit business and unconditionally pays a certain amount to the payee or holder at sight. Checks are divided into ordinary checks, cash checks and transfer checks.
Cash checks can only be used to withdraw cash. It can be issued by the depositor to withdraw cash from the bank, or it can be issued to other units and individuals for settlement or entrusted to the bank to pay cash to the payee. Transfer cheque can only be used for transfer, and it is suitable for depositors to transfer money to the payee within the same city to handle the settlement of current accounts such as commodity trading, labor supply and debt settlement;
Ordinary checks can be used to withdraw cash or transfer money. But if you draw two parallel lines in the upper left corner of an ordinary check, it is a crossed check, which can only be used for transfer, not for cash withdrawal.
Excuse me, do I have to cash a check in the same city? What if you want to write a check in a different place?
It should be normal to write checks in different places. For example, Anhui customers buy things in Beijing merchants, and Anhui companies write checks, which can only enter the banks of Beijing merchants.
I don't know if I'm talking about your situation. Our company is in Tianjin, we often transfer goods from Beijing, and then write checks from Tianjin and send them to Beijing manufacturers. It has always been like this. We are ICBC.
If you don't know, call the account manager of your bank and ask. Good luck.
Can a bank check be withdrawn from other places?
China bank transfer cheque has been implemented in some cities in the province. As for cash checks, you can only withdraw them from the bank on the check. You should consult the issuing bank.
Can't transfer checks be used for off-site transactions?
No, transfer checks can only be used for transfer transactions in the same city, and wire transfers can be used in different places.
T/T: The remitter deposits a certain amount of money into the remitting bank, which sends it to the destination bank or correspondent bank (remitting bank) by telegram or telex, instructing the remitting bank to pay a certain amount of money to the payee.
Can checks be used in different places?
It's all right now.
With the smooth launch of the national check image exchange system, Xicheng enterprises have another new channel for transferring money in different places. Yesterday, I learned from Wuxi Central Sub-branch of China People's Bank that since June 25th, transfer checks can be used all over the country. This also means that local enterprises can issue cheques to payees anywhere in China, and can also accept cheques anywhere in China.
Check is one of the most widely used non-cash payment tools at present. In the first five months of this year, the city handled 210.7 million transfer checks only through the same city clearing system, with a clearing fund of 465.9 billion yuan. According to insiders, for a long time, checks can only be used within the same city, and enterprises can only transfer funds to different places by wire transfer or bank draft, which limits the supporting role of checks in economic development to some extent.
After this check is widely used in China, the check voucher issued by the drawer remains unchanged, and the time limit for presenting payment of the check is still 10 days. However, in order to strengthen risk control, the maximum amount of a single check used in different places is 500,000 yuan, and the code of 12 national unified standard banking institution is recorded at the lower right of the face. Bankers reminded that enterprises and institutions should carefully examine whether the check records the bank institution code and confirm that the check amount is within the prescribed limit when accepting checks used in different places.
In order to ensure the safety of banks and enterprises' funds, the People's Bank of China will also promote the use of payment passwords in our city from next month as the basis for banks to verify the authenticity of checks. It is reported that the password is a set of numbers calculated by a certain encryption algorithm according to the drawer's account number, check number, date of issue, face value and other factors recorded on the check face, which is unique and does not affect the use of endorsement transfer.
In addition, generally speaking, the payee can receive the payment within 2 ~ 3 hours at the earliest, and within 3 working days from the date when the bank accepts the check.
Can cash checks be withdrawn from different places?
No
A cash check is a kind of check specially used to withdraw cash. Issued by the depositor to withdraw cash from the bank for the unit, or issued to other units and individuals for settlement or entrusted the bank to pay cash to the payee.
1. The date is expressed in words: 1, 2, 3, 4, 5, 6, 7, 8, 9 and 10.
Month: If it is an odd number like 1 to 9, you should add 0 and 1 month, 0 and 2 months before the month.
If it's picking the moon, eleven, twelve, plus eleven months, eleven months and twelve months ahead.
Day: Same as above. One day, two days ... nine days.
1 1 day, 12 days ... 19 days.
Twenty-one days, twenty-two days ... twenty-nine days
Thirty-one days and thirty-one days
2. Amount: Take words as an example, one thousand Wu Bai six hundred and eighty-three thousand two hundred and eleven yuan and fifty-two cents. Remember, the amount should be written at the end of the yuan, not at the end, let alone at the end.
Third, don't write the password generated by the cipher. The password of the password device is generated according to the input password of invoice date, check number, amount, etc.
Four, the seal is correct (consistent with the bank's reserved seal, no ink smearing or blurring. )
5. The balance of the bank account cannot be lower than the check amount (otherwise it is a blank check).
As long as the above elements are correct, the bank will cash them. The use of cash checks can only be handled at the bank indicated on the check. For example, ICBC Beijing Chaoyang Branch, you can't go to ICBC Beijing Haidian Branch. Cash checks cannot be exchanged.