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Precautions to be taken by customers

Last updated on May 29, 2026

There are certain precautions to be taken by customers when dealing with cheques.

  • Ensure that the cheque has CTS 2010 written on it.
  • Preferably use image-friendly coloured inks like blue and black while writing cheques. Avoid using inks like green and red.
  • You should also avoid any alterations/corrections once you have written the cheque. Preferably, use a new cheque leaf if you need to make any alterations/corrections as the cheque may be cleared through image based clearing system.
  • Make sure that your signature on the cheque is the same as the signature in the bank records. Otherwise, your cheque may be declined and the bank may penalize you.

Since 2022, many banks have made the Positive Pay System mandatory for high-value cheques (generally ₹50,000 and above). This requires the drawer to re-confirm key details such as the amount, cheque number, and date through mobile banking or net banking before the cheque is presented for clearing.

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