7 Common Cheque Writing Mistakes

A cheque is a legal document, and even a small error can lead to its rejection, causing delays and potential banking penalties. Here are the most common mistakes to watch out for.

1. Mismatch Between Words and Figures

This is the most frequent cause of cheque rejection. Always double-check that the amount in words matches the amount in figures perfectly.

2. Overwriting and Scribbling

Banks are very strict about alterations. If you make a mistake, it's better to cancel the cheque and write a new one rather than trying to correct it with overwriting.

3. Forgetting to Add 'Only'

Adding the word 'Only' at the end of the amount in words is a crucial security measure to prevent unauthorized additions to the amount.

4. Leaving Unnecessary Spaces

Don't leave large gaps between the name of the payee and the amount. This prevents someone from adding extra names or numbers to the cheque.

5. Post-Dating or Outdated Cheques

Ensure the date is correct. A cheque is usually valid for only 3 months from the date of issue in India. Writing a future date makes it a post-dated cheque (PDC).

6. Improper Signature

Your signature must match the one on record with the bank. Any significant variation will lead to a bounce.

7. Forgetting the 'Account Payee' Cross

If you want the money to be credited only to the payee's bank account, always cross the cheque at the top left corner with the words "A/c Payee."

Need help with the wording? Use our cheque converter tool to get the exact words for any amount.