Family & Marriage
Money & Property
Crimes & Violence
Police & Courts
Labour & Employment
Health & Environment
Citizen Rights & Constitution
Government & Elections
Media & Intellectual Property
Videos
Guides
Sample Forms
Statewise Information
General
Children
Women
LGBTQI+
Employees
Persons with Disabilities
Scheduled Castes & Tribes
Senior Citizens
Informal Workers
Follow these steps to encash a cheque.
Analyse the type of cheque that has been issued to you.
Bearer Cheque
If it is a bearer cheque, then there will be no name written on the cheque. You can:
- Go to any branch (in the city) of the bank that the cheque belongs to
- Present it for clearance
- The bank teller, will verify the details on the cheque and clear it
- The cheque will be cleared then and there and you will get the cash
Order Cheque
If it is an order cheque it will have your name written on it. You can:
- Go to any branch in the city of the bank that the cheque belongs to and
- Present it for clearance
- The bank teller, will verify the details on the cheque and clear it -The cheque will be cleared then and there and you will get the cash
Account Payee Cheque
If it’s an account payee cheque, then write your name, your account number and contact number at the back of the cheque, fill the deposit slip and exercise any of the following options.
Bank/ATM Dropbox Deposit
You can either go to an ATM of your bank or directly go to any branch of your bank where you have an account.
If the ATM of your bank has cheque deposit slips and a drop box, the most convenient option is to do the following:
- Fill in the cheque deposit slip. A deposit slip has two parts; the smaller part that you fill and keep with yourself and the bigger part that you fill and deposit in the drop box, along with your cheque.
- Tear your portion of the slip and keep it with yourself
- Pin the cheque and other part of the deposit slip
- Drop in into the ATM dropbox.
However, with this dropbox option, you will not receive an acknowledgement from the Bank of the receipt of your cheque and deposit slip. This means that if the cheque is lost by any chance, you will not be able to find out about the status of the cheque from the bank. However, you can still stop your cheque through internet banking or by writing a letter to the Bank.
If the ATM of your bank branch does not have the dropbox facility, then you have to go to the bank and drop the cheque. The detailed procedure is given below.
ATM Deposit
Some ATM’s have the option to deposit the cheque in the ATM machine itself. Please follow the procedure set out in the machine and deposit it accordingly.
Bank Deposit
- Fill a cheque deposit slip
- Get the appropriate cheque deposit slip form amongst the various slips that are usually kept at the dropbox area of the branch. Make sure you have the proper slip.
- Carefully fill in your bank account number, branch name, cheque amount etc. – Sign at the appropriate place. Also fill in details of the cheque, such as cheque number, bank from which the cheque is drawn, amount, date on which such cheque was drawn etc. Make sure that you fill in these details in the relevant places.
- Tear your portion of the slip, pin both cheque and the other part of the slip and drop them in the dropbox.
Teresita Gibbs
September 4, 2022
I have a question about cashing checks can I cash a check in a ny branch and is there a fee in cashing a check at a different branch? Thank you . I’m hoping for your prompt reply
Nyaaya
September 7, 2022
One can cash a cheque in any branch. Local Cheque collection charges are decided by the concerned bank from time to time and communicated to customer through their Cheque Collection Policy as part of the Code of Bank’s Commitment to Customers.
Banks cannot charge more than the following for outstation cheques:
Up to and including Rs.5000 – Rs.25 per instrument + service tax; Above Rs.5000 and Up to and including Rs.10,000 – not exceeding Rs.50 per instrument+ service tax; Above Rs.10,000 and up to and including Rs.1, 00,000 – not exceeding Rs.100 per instrument + service tax; Rs.1, 00,001 and above – left to the banks to decide. No additional charges such as courier charges, out of pocket expenses, etc., should be levied.
It may be noted, no outstation cheque collection charges to be levied if the collecting bank and the paying bank are located within the jurisdiction of the same CTS grid even though they are located in different cities.
Malaika Khawar
October 8, 2023
can we get a restraining order in order to make sure that the payee does not encash it under specific instances?
Alka Manral
September 2, 2024
First, you can notify the payee to not encash the cheque/ instrument and also contact your bank and issue a ‘stop payment’ instruction to prevent the payee from encashing the cheque. However, in this case, please note that this may lead to the payee instituting a criminal proceeding under S 138 of the Negotiable Instruments Act 1881 against you for cheque bouncing/ dishonour of cheque and the burden of proof will be on you to prove that you had a valid reason to prevent payment besides insufficiency of funds. Some high courts have allowed filing of a civil suit for permanent injunction under S 38 of Specific Relief Act 1963 to prevent payee from encashing the cheque irrespective of an ongoing criminal proceeding under S 138 of Negotiable Instruments Act 1881. On the other hand, most courts have not allowed cases for injunction to prevent payee from encashing cheques since S 41(b) and (d) of the Specific Relief Act 1963 is considered a bar in allowing such cases, in the opinion of these courts. You can however, file for cancellation of instrument under S 31 of the Specific Relief Act 1963 if you believe that the cheque/ instrument is either void/ voidable for certain reasons (e.g., fraud, misrepresentation etc.) and if left in the hands of the payee, will be misused in a way that can cause you serious harm/ injury.
sherill
September 30, 2024
what if the payee of the check has move to a different country. Can it be encash by a relative?
Shamaine
November 21, 2023
What if it’s an old form cheque can it be withdraw ?
Amey
April 6, 2024
What can I do if a bank branch says it won’t encash a bearer cheque from another branch of the same bank in the same city?
Alka Manral
May 30, 2024
A bank is not allowed to refuse encashment of a bearer cheque from another branch. You can try complaining to the bank’s customer care. If it is still not resolved, you can approach the Banking Ombudsman established by the RBI under the Banking Ombudsman Scheme, 2006. Each bank is required to display at its branch the details of the Banking Ombudsman under whose jurisdiction the branch falls. Complaints may be lodged with the respective Banking Ombudsman here: as per this document:
https://rbidocs.rbi.org.in/rdocs/content/pdfs/RBIOS2021_121121.pdf. For this, visit the CMS Portal of RBI: https://cms.rbi.org.in/. If you are not satisfied with the decision of the Banking Ombudsman, you may approach the appellate authority against the Ombudsman’s decision – the Deputy Governor who is in charge of dealing with the implementation of the Banking Ombudsman Scheme, Reserve Bank of India. This appeal must be made within 30 days of the Ombudsman’s decision.If you are still not satisfied, you can file a complaint in Consumer Court.