How to Fill Cheque – 7 Steps Cheque Filling Guide

How to Fill Cheque

How to Fill Cheque – Today we are going to learn how to complete a check correctly so that we never get into unnecessary trouble. If you think it is not your cup of tea then these 7 steps check out the filling guide for you. After reading this post, you will not only learn the correct procedure but also the important points that you need to take care of. So let’s dive in!

A check is an outstanding non-cash payment method for making payments and arranging deals. Many emerging economies use digital payment solutions but now cash and checks are the preferred payment methods worldwide. Therefore, one should know the proper way to complete a check.

If you do not know the correct way to complete a check then someone may misuse your check for example if you do not cancel the word ‘manager’ and lose your check then anyone can submit it.

In this post, I will show you how to complete a check and important points that you should not avoid while writing the same.

Once you have filled out some checks in the past you may think nothing is great. But after reading this post, you will discover the mistakes you made while writing the check.

Conversely, if you think it is not your cup of tea after reading this post, you will never say it again. Yes, anyone can complete a check easily but only a few will be able to complete a check correctly so that no one can misuse it.

Before you complete the check, you will know what details are printed on your check.

By definition cheque is a specially printed form, containing an individual’s bank account details, to order the bank to pay a specific amount from his or her account to the person whose name has been written on it ”How to Fill Cheque”.

What is cheque?

You can see many numbers and details on your bank cheque. If you are already aware of them then pat your back because you’re one of the only few people who know the details! If you don’t know, don’t despair, I’ll help you understand your bank cheque details.

How to Fill Cheque
How to Fill Cheque

Above is an image check of HDFC Bank. Every bank check looks like this; just format and color theme to change. If you see an SBI check or other check you will find no difference.

At the top, you can find IFSC Code. All bank branches that allow National Electronic Fund Transfer have Indian Financial System (IFSC) codes. To transfer money online, you must state the IFSC Code of your bank”How to Fill Cheque”.

You can also see your bank account number in your bank check and in the bottom right you can see your name.

Now, if you look at the bottom line of your bank check you will see the numbers or codes there. The first 6 digits are your check number.

The following 9 digits are your MICR code. MICR stands for Magnetic Ink Character Recognition. This number helps banks to check filters quickly. With the MICR code, the machine understands which bank your check is in and where it belongs.

Every day the big banks get thousands of checks so hand sorting and processing is not possible. The bank introduced this MICR code to do the job in a few seconds with the help of a machine. The MICR code is also divided into three parts.

The first three-digit MICR code helps the machine to locate the branch that issued the check; these are usually the first three digits of your city PIN code. The following three digits help to identify the name of the bank e.g. The HDFC bank code is 240 and the SBI bank code is 002, and the same last digits indicate the exact location of the bank branch.

After the MICR code, we have a 6-digit account code. It is not so important but it shows the details of your bank account.

Finally, we have the Activity ID. With the help of Activity ID, the machine knows whether your check is a local check or paid equally in all branches. How to Fill Cheque If your bank check is a local check then it can only be deposited into the local bank branch. Or if it is a second class it can be deposited in any branch of the bank.

Now you know what details are printed on the check. Before I show you how to complete a check, let us look at some key points to keep in mind as we complete the check.

Important points you should not avoid while filling cheque

  • Never ever issue a bearer cheque because if you lost it, anyone can encash it. Therefore, always cancel the word ‘bearer‘ from your cheque. But remember while filling cheque, if you do so then only the person whose name is mentioned on it can cash your cheque.
  • After writing payee’s name, put a line in the empty space left so no one can add his or her name. Similarly, put a line after writing the amount to be paid to make sure no one can write anything after you’ve written the amount.
  • It’s always advisable that if you’re issuing a bank cheque leaf in favor of someone then make sure your bank only pays the amount in the payee’s bank account. Though, it’s not always necessary, however, it’s recommended. To order bank to pay the amount in only bank account, just write ‘A/C Payee‘ at the top of the cheque.
  • If you’re going to pay a large amount through cheque then make sure to mention payee’s bank account number on it. This way the cheque will be payable in only payee’s bank account.

1. Write the name of the payee next to ‘Pay‘. Note: Write ‘Self‘ if you’re writing a self cheque to withdraw money from your own bank account. Write just after ‘Pay’, don’t leave blank space to make sure no one can make changes. Thereafter, put a line to make sure no one can add another name on your cheque.

2. Now write the amount that you want to pay through cheque in words in the Rupees रुपये‘ section. The same rule here, don’t leave any blank space, write ‘only‘ at the end of the amount and put a line after writing the amount.

3. In the next step, write the amount in numbers in the given box and put ‘/-‘ at the end.

4. At the bottom right corner, you can see your name, simply sign near your name. Your signature should match the specimen signature available with the bank.

5. Cancel ‘Or Bearer and या धारक को‘. If you do not cancel it then anyone can encash a cheque.

6. Now at the top right corner, you can see the date column. Write cheque issue date there. Note: You can write todays or the next date on your cheque. It’s not necessary to write today’s date on the cheque. For example, say I’m filling cheque on 1 January 2020 but I want the payee should deposit my issued cheque after 15 January then I can write 15-01-2020. This way payee will need to deposit the issued cheque on or after 15 January; he cannot deposit the cheque before the date of issuance.

7. In the end, draw two parallel lines on the top of the cheque and write ‘A/C Payee‘ between them. As mentioned above, it’s not always necessary but you’re advised to write. Note: Don’t write account payee if you’re filling self cheque. 

I hope from now on you know how to fill the cheque correctly.


What is a self Cheque?

When the owner of the account fills a cheque to withdraw money for himself, it’s called a self cheque. He writes ‘Self’ (in the payee’s field) on the cheque.

What is bearer Cheque?

A cheque that is payable to anybody whosoever presents it to the bank is called ‘Bearer Cheque’. We’d refrain from issuing bearer cheques, most of the time.

What is the maximum time for withdrawal a cheque?

Time varies from bank to bank, but in most cases, the time limit for cheques is 3 months from the date of issue.

How to fill self cheque?

To fill a self cheque, in the ‘Payee’ field write ‘Self’ and fill the other details as normal, just don’t strike through ‘Bearer’. For more information, read the above guide on how to fill cheque.

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