What does a check look like? Checkbook form template. An example of filling out a checkbook. Is it possible to use a sales receipt without a cash receipt

Today, any, even a very small enterprise, has its own current account, and more often even several. All this is due to the fact that people and organizations are increasingly using cashless payments. But there are situations when you have to pay in cash. In this case, cashless payments do not help. Nowadays, an entrepreneur can use one of the following cash payment methods, because all of them are officially approved by Russian legislation:

1. corporate plastic card (it is also called an electronic checkbook);
2. personalized plastic card;
3. classic checkbook.

Any of these options is available to the entrepreneur. Many businessmen draw up their accounts with Sberbank, because this credit institution enjoys a high level of trust among the population. At present, Sberbank checkbooks are the most popular among the heads of legal entities.

regular check book

Increasingly, entrepreneurs use checkbooks to replenish the company's cash desk with cash.

Receipt
Of course, before using this service, you need to get a checkbook. This requires:

• fill out the appropriate form;
• pay for this banking service (the cost should be clarified with the bank operator).

Payment for each checkbook is made once. After all the available forms are over, you must go through the whole procedure again.

To issue a checkbook, you will need the following information:

• print sample;
• persons who will issue cash by checks (indication of positions).

After completing the documents, you should ask the Sberbank employee about the size of the limit for withdrawing money from the account without notifying the bank. If you need to issue a check for a large amount, then you need to warn the employee in advance.

extradition
The entrepreneur, after satisfying the request, receives a checkbook. It is important to remember that it is tied to the company's current account..

We must not forget that a cash check is not a simple piece of paper, but a document of strict accountability. Even small errors in filling matter. Almost always, their presence necessitates the re-issuance of the document. That is why it is very important to immediately understand how to fill out a Sberbank checkbook. In the branch of a credit institution, you can familiarize yourself with a sample and an example of filling out this document.

In order to withdraw funds from the account, you need to correctly fill out the check and provide it to a Sberbank specialist. The bank gives money to the person indicated in the check, it can be any person.

It is important to remember that cash on a check is paid out only when it is filled in the manner required by the established procedure. That is why it is important to know how to fill out this type of document.

The following requirements for filling out this document can be distinguished:

1. The check must be filled out with ink or a ballpoint pen. Black, purple or blue ink or ink is allowed.
2. The amount of the issue is written in two versions - in words and in numbers.
3. The amount indicated in words should begin from the very beginning of the line, and then “rubles” should be written.
4. In the date, the month is indicated not in numbers, but in words.
5. When specifying the amount of issue, the remaining space must be highlighted with a double underline.
6. The recipient's data must be indicated without abbreviations - full name in the genitive case.
7. You can sign the check only when all the details are filled out.
8. There should not be any errors and blots in the document - otherwise it will be invalid and the bank will not pay for it.
9. Spoiled forms cannot be thrown away, they must be canceled with the signature "Spoiled" and glued to the spine.
10. The check must have a seal, unless otherwise provided by the agreement with the bank.
11. From the recipient of funds, you must take a receipt for receipt of the check directly on its spine.
12. Cash can only be received by the person named on the check. Without a name, cash on a check is not issued.
13. The check drawer must keep all the stubs within 3 years after their issuance.
14. Only those employees of the organization who have the right to first or second signature can sign checks.
15. In case of closure of the current account, the drawer must return the checkbook with unused stubs and a corresponding statement indicating the numbers of the checks.

Receiving cash by check

The recipient of funds presents to the bank branch a check filled in according to all the rules, an identity document. In this case, it is necessary to name the amount indicated in the document.

The cashier checks the available information, the recipient's passport, sticks a control stamp on a specially designated place on the check and issues money. The recipient himself must check whether the amount has been issued without leaving the cash desk.

You should find out about the procedure for obtaining cash at a particular branch of Sberbank. In some places you need to call or come in advance, while in other places the check can be returned the day before.

After the cash is received, they come to the cash desk with the help of PKO, and only later, on the other side of the check stub, the number and date of the order are indicated. This mark should be put down by the chief accountant of the organization.

In this case, we must not forget the following 2 points:

• on the spine of the check, in the warrant, receipt and cash book, the date must be the same;
• The first and second signatures on both sides of the check must be the same.

Advantages of checkbooks

The following advantages of such a cash settlement can be distinguished:

• strict control over the withdrawal of funds from the current account;
• high level of security.

In addition, the cost of maintaining this method of cashing out money is minimal. And the use of a checkbook is not limited to any period.

Books

A cash check book is issued to the client with the details filled in: drawer, check drawer's account number, name of the bank institution. These details are filled in by the Bank's employees by hand or by putting a stamp in the fields intended for the above details.

Cash checks from the checkbook must be filled out in one step by hand, keeping all the details of the form, neatly, without corrections, blots and grammatical errors. In order to avoid discrepancies in capital letters, we recommend writing letters as follows: the letter "t" - t, "P" - P.

Checks are filled in with a pen with ink or black, blue, purple ink. It is not allowed to fill out a check with a gel pen.

All details of the check must be filled in the fields intended for the specified details. It is not allowed to go beyond the indicated fields.

No amendments or corrections to the check are allowed, as they make the check invalid.

Simultaneously with the preparation of the check, all the details of the check stub must be filled in.

The check is valid for 10 days from the date of issue.

In the event of closing a bank account, as well as changing the bank account number or its name, the client is obliged to return to the Bank unused cash checkbooks with the remaining unused cash checks and stubs with a written application containing the numbers of returned unused cash checks. The application form is provided in Annex No. 1 .

Front side of the check.

1. The amount in numbers must start from the very beginning of the line, without separators in the form of dots and spaces. The remaining free space after the sum in numbers is crossed out with two solid lines. In the field for indicating "kopecks", dashes in the form of two lines or zeros "00" are put down.

2. The date of issue of the check is put down in two digits, the month - in words. (For example: May 05, 2010).

3. After the word “Pay”, the surname, name, patronymic of the person in whose name the check is issued in the dative case (for example: Ivanov Ivan Ivanovich) is entered. The remaining free space is crossed out with two solid lines. The lines are filled completely without leaving empty spaces. The distance between words should be no more than the space for writing one letter. Words, parts of a word are transferred to another line, regardless of the rules for transferring the Russian language.

4. The amount in words is written in the nominative case (for example: One thousand rubles 00 kopecks), from the very beginning of the line without indentation, with a clearly expressed capital letter and should not go beyond the "Amount in words" prop.

The distance between words should be no more than the space for writing one letter. Words, parts of a word are transferred to another line, regardless of the rules for transferring the Russian language. The word "rubles" should be indicated after the amount in words without leaving a free space, kopecks in the amount in words are indicated in numbers. The free space after the amount in words is crossed out with two solid lines. The abbreviation of the words "rubles" and "kopeks" is not allowed.

The amount in words must match the amount in figures. If the amount in figures in the check was written using a dash in the column for kopecks, then the entry of the amount in words ends with the word "rubles". If the designation “00” was used in the column for kopecks, then the amount in words ends with “00 kopecks”.

It is not allowed to cross out a free space on a line without completing the full text.

5. In the "signature" field, handwritten signatures of persons having the right of the first and second signatures shall be affixed, which must correspond to the card presented to the Bank with "Samples of signatures and seal imprints". Signatures are affixed with a pen with paste or black, blue or purple ink only after filling in all the details of the check (front and back) and verifying them. Signatures should not go beyond the "Signatures" field. It is not allowed to use analogues of a handwritten signature (facsimile), as well as a gel pen when affixing signatures.

6. The seal is put on the specially designated field "Place of the check issuer's seal" only after filling in all the details of the check (front and back), checking them and signing the check by persons having the right of first and second signature. The imprint of the seal must be clear, readable and correspond to the one stated in the card with the "Signature and Seal Impression Samples" and not go to other details of the cash receipt (blue fields - "pay", "amount in words", "signatures" and the cut line).

The reverse side of the check.

1. In the "Purposes of expenditure" section, the purposes for which the funds will be directed are indicated. For example (household expenses, loan provision, loan repayment, etc.)

2. The amount of money on the reverse side of the check must match the amount of money on the front side of the check.

The “Amount” section on the reverse side of the cashier's check must be filled in identically to the field for indicating the amount in numbers on the front side of the cashier's check:

If there are dashes in the field for indicating “kopecks” on the front side of the check, then dashes in the form of two lines “=” are put down after the rubles on the reverse side.

If “00” is entered in the field for indicating “kopecks” on the front side of the check, then on the reverse side, rubles are separated from kopecks by a dash “-”.

On the reverse side of the check, the amount is entered on the line strictly opposite the purpose of spending the funds.

3. In the "Signatures" field, handwritten signatures of persons having the right of the first and second signatures shall be entered, which must correspond to the card with the "Sample Signatures and Seal Imprint" presented to the Bank. Signatures are affixed with a pen with paste or ink in black, blue or purple. It is not allowed to use analogues of a handwritten signature (facsimile), as well as a gel pen when affixing signatures

4. In the field “Received the amount specified in this check”, the recipient's handwritten signature is affixed after the word “Signature”.

5. In the section "Marks proving the identity of the recipient" are filled in by the drawer with data from the identity document of the recipient of funds. Reduction of data, with the exception of generally accepted abbreviations (for example: ATC - Department of Internal Affairs, Air Defense - Passport and Visa Department, OM - Police Department, AO - Autonomous Okrug, etc.) is not allowed.

The passport number is indicated after the "No" sign, it is allowed to record the first four digits of the passport number before the "No" sign.

The line "Place of issue" is filled in in the nominative case (for example: Moscow).

Appendix

Chief Accountant of JSCB KODEKS (OJSC)

STATEMENT

I ask you to accept a cash checkbook with unused checks from No. ___________________________ to No. ____________________________ in connection with

closing a current account

changing the name of the organization

other ____________________________.

Supervisor __________________________ ___________________ _____________________

(position) (signature) (full name)

Chief Accountant ___________________ __________________

(signature) (full name)

Accept at the cash desk of the bank "___" ________ 20 __. I allow a cash checkbook with unused checks.

Chief Accountant of JSCB KODEKS (OJSC) ______________________

"___" ____________ 20 _

Appendix

EXAMPLE OF COMPLETING MONEY CHECK

Appendix

MOST COMMON ERRORS

WHEN FILLING OUT A CASH CHECK

Example #1

1. The sum in numbers does not start from the very beginning of the line.

2. The distance between words is greater than the space for writing one letter.

3. The imprint of the seal goes to other details of the cash receipt (blue fields - “pay”, “amount in words”, “signatures” and the cut line).

Example #2

1. The amount in words is indented not from the very beginning of the line.

2. The amount in words does not match the amount in figures. When writing the amount in figures in the check using a dash in the column for kopecks, the amount in words must end with the word "rubles".

_______________________________________________________________________________

Example #3

1. Empty spaces on a line in the middle of the text are crossed out.

_______________________________________________________________________________________

Example #4

1. After the word “Pay”, the last name, first name, patronymic of the person in whose name the check is issued is written on the next line.

2. The amount is written in words on the next line.

Checkbook- This is a document of strict accountability, which is used to receive cash from a bank.

Since the form of a cash check is not established by law, each bank can develop its own form, while maintaining the necessary details.

To obtain a book, the client applies to his bank with a corresponding application. Usually it consists of 25 or 50 pages. Each page has a spine, which remains with the client and the check itself, which is deposited with the bank.

This document must be kept in a locked safe with the chief accountant. Spoiled checks and paid stubs are kept for at least three years.

Filling out and maintaining a checkbook

The check is filled out by hand by one person, with a ballpoint pen, without changing the ink. If there are errors, blots or corrections on the front side, then the form is considered invalid. It is glued to the book and extinguished with a stamp "Spoiled".

The name of the holder of the check and his details are affixed upon receipt on each sheet, with a stamp or by hand.

"Check... for...". In this line, numbers indicate the amount of the check. If there is free space left in the field, it must be crossed out with two lines.

"The date". The day and year are indicated in numbers, and the month in letters (in words).

Then the field is filled "Suma in cuirsive". After writing the amount (from the very edge of the line with a capital letter), the free space is crossed out with a double line.

Most often, the check is signed by the head and chief accountant of the organization, or persons whose signatures are indicated in ""

It is necessary to certify the form with a seal carefully so that the print does not go beyond the allotted field.

The reverse side of the document contains a table that indicates the expenses (in the form of symbols) for which funds are issued.

Then the signature of the employee who presents the check to the bank is put.

"Recipient Identification Marks". The passport details of the recipient of the money are indicated.

Under the horizontal line, marks of bank employees are placed when issuing cash.

Spine remains with the buyer, it indicates the amount to be issued, the date, the full name of the recipient of the funds. Below are the signatures of the head and chief accountant.

After receipt, the money is credited to the cashier by the number of which is affixed on the back of the spine.

Receipt of cash in the bank is carried out according to the check presented to the bank.

The form of a cash check is not established by law, therefore, each bank has the right to develop its own form, while retaining the required details.

In order to receive a checkbook, an organization must submit an appropriate application to the bank that provides settlement and cash services for it.

Typically, a checkbook contains 25 or 50 pages, each of which consists of two parts: the check itself, which is to be deposited with the bank, and the spine, which remains with the organization.

The cash check book is kept by the chief accountant on a turn-key basis, and the stubs of paid and spoiled checks (as well as the spoiled checks themselves) must be kept by the drawer for at least three years.

Filling out and maintaining a checkbook

The check is filled out only by hand (with a ballpoint pen or ink) and in one handwriting (i.e. by one person).

When filling out the front side, errors and blots should be avoided, since in this case the check will be considered invalid. Spoiled forms must remain in the checkbook, glued to the spine and canceled with the inscription "Spoiled".

The name of the drawer, that is, the owner of the current account and checkbook, and his account number are affixed upon receipt of the book in the bank by hand or by the imprint of the organization's stamp simultaneously on all checks.

The line "Cheque ... for ..." indicates the amount (in figures) for which it is issued. At the same time, free places in front of and after the amount of rubles must be crossed out with two lines.

The next line indicates the place (in some banks it is already filled) and the date the check was issued. In this case, the date of issue is indicated as follows: day (in numbers), month (in words) and year (in numbers).

After the word "Pay", the surname, name and patronymic of the cashier (employee) for whom the check is issued are entered in the dative case, and the free space is crossed out with two lines.

The next line indicates in words the amount to be received on the check. The amount is written in the line without indents (from the very edge) and with a capital letter, the free space is crossed out with two lines. Indentation of even a few millimeters is not allowed. The word "rubles" should be indicated after the amount in words without leaving a free space. If the amount in the check was written in numbers using a dash in the column for kopecks, then the amount in words ends with the word "rubles". If the designation "00 kopecks" was used, then it should be used in total in words: "Seventeen thousand four hundred rubles 00 kopecks."

The check is signed by employees of the issuing organization, who have the right to first and second signature, necessarily in ink or a ballpoint pen.

The names and signatures of these employees must be recorded in "". Usually the first signature belongs to the head of the organization as the manager of loans, and the second - to the chief accountant. In order not to suspend the financial activities of the enterprise in their absence, you can indicate on the card the first two and two second signatures. For example:
The first signature is the director, deputy. director.
The second signature is the chief accountant, deputy. chief accountant.

In the lower left corner of the front side of the check, the seal of the organization is placed, the imprint of which is also recorded on the card. The print should not go beyond the boundaries of the designated area.

On the reverse side of the table, the purposes of spending the funds received are indicated (in the form of the symbols corresponding to them), and the signatures of the employees of the issuing organization (who have the right to do so) are also put. This is followed by the signature of the cashier (recipient of funds) on receipt of the amount specified in this check.

The lower part of the reverse side is intended for putting marks proving the identity of the recipient. The accountant who issues the check enters in the appropriate lines the passport details of the person who is entrusted with receiving money on this check at the cash desk of the bank's operational department.

The place under the lower horizontal line serves to mark bank employees for checking, ordering payment and directly paying cash through the cash desk of the bank's operational department.

The spine remains in the checkbook, being a confirmation of the use of a check for a certain amount. The front side of the spine is filled in when the document is handed over to the cashier of the organization.

It indicates:

• the amount to be received in cash at the bank;
• date of issue of the check to the cashier;
• surname and initials of the cashier (recipient of funds).

The front side of the spine must be signed by the first and second signatures of the employees of the issuing organization, as well as by the recipient's cashier, with the date of receipt.

The cashier presents the completed check to the bank operator, who checks its authenticity (correct execution). If there are no comments on the execution, the teller cuts out the control mark in the upper right corner and gives it to the recipient, and the check itself is transferred for payment to the bank's cash desk.

The recipient of the money presents the bank teller with an identity document, gives the control stamp and names the total amount to be received.

The bank teller checks the named amount with that indicated on the check. Then he sticks a control stamp on a special place on the front side of the check and dispenses cash to the recipient, who, in turn, checks the amount issued here at the bank's cash desk.

The procedure for receiving cash from a current account in different banks may vary. In some banks, you must order cash in advance in person or by phone; in other banks, the check must be handed over to the teller on the eve of receiving the funds.

The money received from the bank goes to the cash desk of the organization

A cash check is presented to the bank serving the client for issuing cash to the bearer in whose name this document is issued. Forms of money checks are usually collected in a checkbook (25 or 50 pieces), which the client can obtain from his bank by submitting an appropriate application. How to draw up a check and get money on it, we will tell in our article.

Rules for filling out a cash check

Before withdrawing cash from his current account, a bank client should figure out how to fill out a cash check (a sample of filling out the form is presented below in the article using the example of a Sberbank cash check). It is very important to fill in all the columns correctly, avoiding blots and corrections, otherwise the cash check will not be accepted by the bank to fulfill the requirement to issue cash to the bearer.

In accordance with the established practice of filling out a check, a bank client must indicate on the reverse side of a cash check the code and purpose of payment (1st and 2nd columns in the tabular part of the check form). In addition, the check may also contain other details that the credit institution has the right to determine. The most common requisite is the symbol of the purpose of payment, which is given in the 1st column of the tabular part of the check form. Under the tabular part with the purpose of payment must be the signature of the drawer. Checks must be completed by hand in black or navy blue ink (some banks allow purple ink), but the customer's name, account number, and banking organization may be stamped. Blots in the check are not allowed.

A cash check (a sample of which is provided at the request of the client by each bank) is checked by a bank employee for the correctness of filling in all columns, and the signature of the official of the check drawer is identified with the signature card stored in the bank.

In addition, bankers enter all the numbers of money checks that are in the checkbook issued by the company into the card with the client's signatures. The bank employee checks the check number with those already written on the card.

Expiry date of the check

As a rule, a cash check is accepted by a financial institution within 10 days from the date of issue (excluding the day of issue itself), indicated on the completed form of the payment document. For example, a similar rule is specified in the requirements of CB NS Bank (CJSC) for filling out and using a check from a cash checkbook by a drawer.

You can find out all the necessary information about the observance of cash discipline at the enterprise if you read our article "Cash discipline and responsibility for its violation".

A sample of filling out a cash receipt of Sberbank

The form of a Sberbank cash check is no different from the same checks that are contained in check books issued by other banks.

Below is a sample of filling out a cash receipt, which you can download from our website.

Where can I download a cash receipt form for free?

A checkbook in which several money checks are stitched is a document of strict accountability. A used checkbook must be kept for 5 years. Prior to issuance to the client, check forms are stored in the bank in a special vault.

In accordance with Art. 787 of the Civil Code of the Russian Federation, the check must contain mandatory details, otherwise it will be considered invalid. Also, the check may have details that are determined by the bank. However, the bank can also develop its own form of cash check. Therefore, it is difficult to download a universal form of a cash receipt.