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Home > Personal Business > Payment and Settlement > Check Service
发布时间:2011-07-19
Definition of service
The check service means that drawer banks should pay the specified amount to receivers for checks signed and issued by drawers or means the bill business of check holders.
Basic functions
Wide scope and safety guarantee
Checks can be used in all personal amount settlements in China. Besides, checks will be exchanged and handled in material object in the same bill exchange area and checks in other areas should be handled through the film method.
Checks in the Bank can be widely used in Guangzhou, Foshan, Shenzhen, Zhuhai, Dongguan, Zhongshan, Zhaoqing, Jiangmen, Qingyuan, Nanhai, Sanshui, Gaoming, Shunde and other cities.
Handling conditions
Opening the bank settlement accounts in the Bank with real and effective identity documents (such as ID card) according to relevant regulations, clients (except for minors) can apply for check subscription. With the approval of the Bank, clients can subscribe checks and sign and issue checks according to the service demand by themselves.
Application procedure
1. Check subscription: Due to service demands, clients of the Bank can apply for open the personal check settlement account and can purchase blank checks from the Bank with approval of the Bank.
2. Check signing and issuing: Due to operation activities, capital transaction and other service demands, when required to pay amount for receivers, filling all corresponding elements on blank checks and affix legal reserved bank payment seals, clients can give the check to receivers and making the payment.
3. Payment collection service entrusted by check holders (receivers): To entrust payment collection to deposit banks, check holders (receivers) should endorse the entrusted payment collection on checks (in the endorsement column of the personal receiver) and fill “entrusting XX bank for payment collection” in the endorser column, fill in the “deposit receipt”. Clients should deliver the check to be entrusted for payment collection and “deposit receipt” to deposit banks to obtain the entrusted payment collection receipt signed and sealed by banks. In case this check is not sent back by paying banks in an appointed time, entrusted banks should automatically collect the amount and deposit it in accounts specified by receivers.
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