Application for the issuance of a checkbook. Application for a checkbook

Drawing up an application for issuing a checkbook is necessary in cases where the owner of a bank account has a desire to receive money from him in cash.

What is hidden under the term "checkbook"

A checkbook is understood as a number of checks bound in a brochure (usually 50 or 25 pieces), upon presentation of which to the bank, the owner of the current account has the opportunity to withdraw cash from it. Most often, this document is used when it is necessary for the management of the company to receive “cash” for issuing money “under the report”, remuneration of employees, business expenses and other current needs.

Subtleties of issuing checks

The checks themselves, related to securities and included in the book, are typical and consist of two main parts. The first is the spine, which, after registration, remains in the book and is subject to mandatory further storage, and the second is the check itself, which is transferred to the bank (on the basis of which the funds are issued).

There are very strict requirements for filling out checks, the violation of which leads to the impossibility of receiving “cash”. Common to all: the use of only one pen of a certain color (black, purple or dark blue), the absence of even the slightest blots and, moreover, some more serious and obvious errors (they also cannot be corrected).

All information should be entered from the very edge of the line, and all remaining free space should be crossed out with two solid, even lines. Only those employees of the enterprise who are specified in the agreement with the bank and whose autographs are available for the signature sample card stored in the bank have the right to put signatures in the document. Only if all these rules are observed, the funds will be issued to the holder of the checkbook.

The check must be cashed within ten days from the date of issue.

Checkbook validity period

Unlike a check, usually the validity period of a checkbook is not limited by anything - you can use it until the moment when it runs out of sheets. However, in some cases, the institution that issues the document may set a deadline for its application. Moreover, if the organization ceases to exist for any reason or simply closes an account with a credit institution, it must return the checkbook with unused checklists back to the bank.

When to apply

You can apply for a checkbook at any time. Most often, representatives of enterprises and organizations enter such documents immediately after opening an account - in most cases it is rather difficult to carry out the activities of the company without "cash". At the same time, in many credit institutions it is required to draw up an application in the presence of a banking specialist.

Features of the application

If you are faced with the need to generate an application for issuing a checkbook, read the tips below and see an example of the form - on its basis you can easily create your own document

First - general information that relates to all such papers.

First, when choosing how to apply, be aware that you have the opportunity to go in several ways. For example, compiling it according to a template that will be provided to you by specialists of a credit institution is the most optimal way. It is also quite acceptable to write a document in an arbitrary form - if such an option is allowed by the organization to which the application will be submitted in the future. And, finally, you can use one of the unified forms that were previously mandatory for use - they are convenient in that they contain all the basic information, you do not have to bother yourself to come up with the structure and content of the form.

Secondly, if the application is drawn up in a free form, then it can be done on a simple piece of paper, in any convenient format (preferably A4 or A5). The application can be filled out on a computer if there is an electronic form of the document (with subsequent printing), or written by hand.

The form must be signed personally by the account holder or his representative upon presentation of a notarized power of attorney.

Moreover, if the speech is conducted on behalf of the organization, then its director and chief accountant. It is necessary to put a seal in the application only if this norm is spelled out in the accounting documents of the company and is enshrined in an agreement between the company and the bank in which its account is located.

Sample application for a checkbook

An application for a checkbook is a fairly simple document.

First, you should indicate the name of the organization whose representative draws it up.

Next - assign a number to the form (this is not always required) and put the date of its formation.

After that, you need to enter the actual request for issuing a checkbook, indicating the number of the account from which its owner will withdraw money.

Immediately, an obligation should be given to keep the document properly and indicate information about who is instructed to receive the checkbook (ie, the representative of the organization).

The next step is to verify his signature.

Finally, the form must be signed by the director of the company and the chief accountant and, if necessary, stamped.

How to keep a checkbook

The checkbook refers to forms of strict accounting and must be kept according to special rules. In particular, a mandatory requirement is compliance with the standards for protecting documents from possible fires and theft. To do this, you need to appoint one of the employees of the enterprise as the person responsible for keeping the checkbook, and put it in a special safe. After the sheets in the document run out, you need to contact the bank with an application for a new checkbook.

Sberbank checkbook

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 law:

corporate plastic card (it is also called an electronic checkbook);

personalized plastic card;

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 check book 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:

16. on the spine of the check, in the warrant, receipt and cash book, the date must be the same;
17. 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.

Application for issuance of a checkbook sample bookkeeping online

To do this, the manager needs to apply for a corporate card to Sberbank. Forms and forms of documents for free! The current free site provides the opportunity to download the application form for issuing a Sberbank checkbook on a PC without registration. In case of loss or damage to the keys, authorized persons also need to contact the service branch of the Savings Bank.

Cvtb 24 form of power of attorney for receipt of extractsvtb 24 application form for issuing a checkbook c. The document is small, it contains the following full name and passport data of the person to whom the certificate is issued due to the fact that he has the appropriate authority, the date of payment for the received tokens (they are paid through the cash desk of the Savings Bank) or the number of the current account from which money must be debited. Also, this sample of filling out a checkbook includes a tear-off coupon, c. The bank selects a receipt for receiving funds only on a nominal check, on its reverse side.

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Accounting financial statements form for knd 0710099 form download 2017. Sberbank application for a checkbook form download-enarveiho1976s blog. Application for the issuance of a check book Sberbank form. Mortgage restructuring with the help of the country 2017. You can contact any of the bank branches serving legal entities and businessmen as well.

On the account you need to throw a small amount of funds, which will allow you to pay a commission to the Savings Bank for the service. For the cash desk and the main part, where such information is indicated, this is approximately how the standard for filling out an application for receiving a checkbook looks like. by all means, in the application addressed to the bank, a note is made about who will be responsible for keeping the checkbook. And still do not tell me where to look at the application form for issuing a checkbook?

Application for a checkbook Sberbank form download 2017 beautyboxpro

This method is usually used in the latter cases or when it is impossible to remember the current password for your own account. Tell me if someone has a standard application for issuing a Sberbank checkbook.

Application for the issuance of cash checkbooks sample - form -

To do this, the manager needs to apply for a corporate card to Sberbank. Club of amateurs official annotations of an economist. Dec 2014 on our website you can download the application form for a checkbook in Sberbank.

To act when closing your own account, you need to get rid of the account balances in the following sequence. The application for the issuance of currency checkbooks 0401032 shall indicate the full or abbreviated name. Application for substitution of the Sberbank business token online. Sberbank checkbook filling standard added from ion9191.

Getting a Sberbank checkbook in 2018

Sberbank checkbook: everything you need to know about it in 2018



The checkbook as a financial instrument is still relevant. How to get a Sberbank checkbook and fill it out? What are the fees for using a checkbook? Find out now!

In Russia, using a checkbook is a long tradition. This was developed both in the tsarist empire, and under Soviet rule, and at the present time. Of course, banking is developing towards digitalization, making transactions on accounts using bank cards is becoming commonplace. And more and more often in Russia the question of the abolition of checkbooks is being raised.

However, in certain situations, a checkbook is still practical. For example, it is needed when cashing out small amounts associated with the office expenses of the enterprise, or in areas where there is a shortage of ATMs - where a checkbook is required to pay salaries.

Therefore, in 2018, the largest Russian banks continue to work with checkbooks. On the example of Sberbank, find out all the details.

How to get a Sberbank checkbook

To do this, you should contact the office of Sberbank and write an application. To save time, you can fill it out at home. A sample application for issuing a checkbook at Sberbank can be downloaded from the official website at this link. Then the form in DOC format is easy to print on a printer.



Sample application for a checkbook form 2018 - fragment

At the Sberbank office, you pay for this service with an application in your hands - even in cash at the cash desk, even with a bank card at an ATM.

One-time payment for the entire book. In 2018, the issuance of a issued checkbook will cost the client 300 rubles for one standard copy. The benefit of the bank here is unequivocal: as soon as the check pages run out in the book, you will have to re-register it according to the above scheme.

After paying for the service, you are informed of the deadline for issuing a Sberbank checkbook.

In consumer reviews on forums on the Internet, users write that the time for making a checkbook can vary - from 2 hours after contact to several days. It depends on the technical capabilities of the office, the availability of new checkbooks, etc.

It should be remembered that a legal entity receives a strict reporting document - a Sberbank checkbook is linked to the company's current account. A used checkbook (stubs) must be kept for 5 years. Damaged forms are glued to the spine.

When the settlement account of the enterprise that received the checkbook is closed, the legal entity that issued the checkbook is obliged to return unused forms of numbered checks with stubs to Sberbank.

How much does it cost to use a Sberbank checkbook in 2018

Tariffs for using a Sberbank checkbook for someone who received a correctly completed check and came to the bank's office to present it for payment are determined by Sberbank's internal instructions. For some reason, they are not published on the official website. It is understood that the owner-legal entity receives this information at the time of execution of this document.



Using a Sberbank checkbook costs % of the cashed amount

If you cash a check, then Sberbank will take a commission from you in the amount of half a percent of the check amount.

If you have an account with Sberbank and ask to transfer the amount from the check to your bank card, you will be charged the same 0.5% commission.

If you overdue the check for four months, then at the Sberbank office you may be charged a commission, the amount of which is calculated based on the actual costs of Sberbank for servicing during this period. The penalty may not be large, but it is still unpleasant.

There are also limits on cashing money from a settlement check. So, if the amount to be issued exceeds 30 thousand rubles, then Sberbank may request the organization that issued the check to confirm such a payment amount. So there may be difficulties with the timing of cashing a settlement check.

How to fill out a Sberbank checkbook - a sample

A strict reporting document does not imply even the slightest error when filling it out. Failed - fill out a new check! The old sheet cannot be torn out of the book and thrown away. It is necessary to carefully cross it out with a cross and make the entry “cancelled”. Sberbank offices have samples of filling out a checkbook.



It looks like a blank checkbook of Sberbank

The general rules are as follows:

• use blue, black or purple ink;
• entries are made in Russian and by hand;
• it is unacceptable to write past specially designated columns;
• corrections are prohibited;
• the amount of cashing out is written in numbers, instead of kopecks, a dash is put in two horizontal lines;
• in the column "Amount in words" write it with a capital letter;
• signatures of responsible persons must correspond to those presented as samples for the bank. You should also provide the bank with a sample seal of the enterprise for the check to be approved.



The reverse side of the form from the checkbook of Sberbank

The procedure for using a Sberbank checkbook is regulated.

However, in our vast country, various discrepancies with the canons are possible. For example, in some regions, you should first call the Sberbank office and order the amount that the client plans to cash out on a settlement check. Sometimes you should come personally to the office the day before, because the recipient may not be trusted by phone and will not be able to prepare the cash in the required amount.

The person indicated on the check as the recipient presents it to the bank employee and certifies his identity. He is obliged to name the amount that he presented for cashing. An employee of Sberbank at the cash desk checks the check and the recipient's passport, sticks the so-called control stamp on the check and gives out money. The recipient is obliged to check the entire amount issued without leaving the cash desk. Otherwise, his possible claims to its size will not be taken into account.

Summing up, we note the following. Personal contact of the recipient of money with bank employees implies an increased level of security. The risk of fraud when cashing a check in compliance with all regulated procedures is minimized.

Minus the checkbook, Sberbank is more likely to refer to advanced Internet users. They are accustomed to using electronic financial instruments. So, the Sberbank online service is very popular with the largest bank in Russia in terms of the number of clients. Unfortunately, you cannot order a checkbook from Sberbank online, since a checkbook does not exist in digital form.

Although in the near future, when digital identification of customers becomes an everyday reality, electronic settlement checks can be used in some individual cases.

Checkbook form template. An example of filling out a checkbook

Who would have thought that the famous phrase from the American movie “I don’t have cash, but I can write you a check” would become so popular in our reality. And indeed, if you do not have cash, you can always issue a check to the bearer and indicate the appropriate amount on it. However, not everyone knows how to fill it in correctly. We offer you a sample of filling out a checkbook.



Brief information about checkbooks

Checkbooks are a kind of financial document consisting of 25 or 50 sheets. As a rule, they are tied to the bank account of the owner of the book and allow non-cash payments with the subsequent purpose of cashing them out in credit institutions.

The book itself visually resembles a small oblong notebook. Each page is divided into two parts. These are checks, one of which is signed and handed over to the bank for the subsequent issuance of the specified amount in it, and the second is a copy. It is he who remains in the book and acts as a kind of reporting document when debiting funds from the account. You can get a book by writing a corresponding application at the bank. How is the checkbook completed?

What to write in an application for a book?

The application form may also have a tear-off coupon "for the cashier" and the main part, which indicates the following information:

• company name;
• day and month of writing the application;
• organization account number;
• request to issue 1 book with the specified number of sheets (25-50);
• initials of the person responsible for receiving the book;
• signatures of accountants, economist, cashier and head of the bank.

This is how a sample of filling out an application for a checkbook looks like.



Simple rules for filling out checkbooks

Checkbooks are usually kept by the same people in the same type of handwriting. Filling out the form of the document is done with a pen containing the same color of ink. Therefore, its owner should initially choose whether it will be only black, purple or blue ink.

Another important point when working with the book is the complete absence of corrections and errors. All words and details must be indicated in a strictly defined order and only in the columns designated for them. It is strictly forbidden to speak for the fields of cells and the graph. In addition, each form of the checkbook contains a place for the signature and seal of the owner. At the same time, his bank account number, the name of the enterprise or the initials of the entrepreneur are written manually (at the end of the completed tear-off spine) or indicated on the imprint of the seal itself.

What are the important lines in the check form?

The form of the book, as a rule, contains several lines, each of which is filled in according to the existing rules of the financial institution. For example, in the column "Cash check issued for ...", you must indicate the amount first in numbers, and then in words. You can see in the photo what a sample of filling out a checkbook should be.

The date and month of filling out the document are also put in words. In the case of using numbers when specifying the amount of the check, double underlining of spaces is used before and after writing numbers. In the column "Issue" or "I authorize to issue" the full name of the recipient is indicated in full.



What does a sample checkbook look like?

The appearance of most checkbooks issued by different banks may vary. However, the principle of their filling is almost identical. Let's take an example of such a design.

So, we open your book and see an empty form. We bring to your attention a sample checkbook. It has two sides: front and back, and there is also a cut line and a tear-off spine. Let's fill it in first. To do this, perform the following steps:

• indicate the amount in numbers, for example, “for 150,000 = rubles. 00 kop.";
• we write to whom the check was issued;
• put signatures of responsible persons;
• fill in the date of receipt and put the signature of the recipient.

This is what a finished sample of filling out a checkbook looks like.



How to fill out the front side of the check form?

• the name of the enterprise or individual;
• bank account number of the drawer;
• sum in numbers;
• place of issue (city, locality);
• date and year of issue;
• the name of the financial institution, indicating the number of the corporate account;
• initials of the check recipient (for example, Ivanova Irina Petrovna);
• amount in words;
• signatures of responsible persons.

You will find a sample of a checkbook with the option of filling out its front side in our publication.

How to fill out the reverse side of the check form?

On the back of the check, you can see a small plate, which indicates the following data:

• the purpose of the expense (for example, payment for travel expenses or wages for such and such a month and year);
• the amount of expenses;
• signatures of responsible persons;
• the signature of the payee;
• the name of the document presented for receipt, indicating the number, series, date and place of issue;
• signatures of the cashier, accountant and controller.

Also, this sample of filling out a checkbook includes a tear-off coupon, which mentions the number of the credited order, the date and year of the operation performed, and there is the signature of the chief accountant.



How do checks from different banks differ?

The principle of filling out a check in any bank is almost the same and has common features with the above sample. However, for forms of different banks, all important information can be recorded in a completely different sequence, and the location of the tear-off coupon can also change.

For comparison, we give an example of filling out a Sberbank checkbook. So, in the check form of this financial institution there is also a front and back side, and a tear-off coupon is placed to your right. The form first indicates the name of the enterprise, then the number of the current account of the issuer, the check number, the amount in figures, and then the place, date and year of issue. Next, the full legal name of Sberbank is indicated, and in the “Pay” column, the recipient of the check must be mentioned. Below is the signature and seal of the responsible persons.

In the letterhead of the bank "Saint Petersburg" (formerly "European"), the tear-off coupon is located on the left, and all other columns are present as in Sberbank.

What is the expiration date of a completed check?

Each completed check has its own expiration date. It is believed that from the moment it is filled out and applied to a financial institution, no more than 10 days should pass.

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Who would have thought that the famous phrase from the American movie “I don’t have cash, but I can write you a check” would become so popular in our reality. And indeed, if you do not have cash, you can always issue a check to the bearer and indicate the appropriate amount on it. However, not everyone knows how to fill it in correctly. We offer you a sample of filling out a checkbook.

Brief information about checkbooks

Checkbooks are a kind of financial document consisting of 25 or 50 sheets. As a rule, they are tied to the bank account of the owner of the book and allow non-cash payments with the subsequent purpose of cashing them out in credit institutions.

The book itself visually resembles a small oblong notebook. Each page is divided into two parts. These are checks, one of which is signed and handed over to the bank for the subsequent issuance of the specified amount in it, and the second is a copy. It is he who remains in the book and acts as a kind of reporting document when debiting funds from the account. You can get a book by writing a corresponding application at the bank. How is the checkbook completed?

What to write in an application for a book?

The application form may also have a tear-off coupon "for the cashier" and the main part, which indicates the following information:

• company name;
• day and month of writing the application;
• organization account number;
• request to issue 1 book with the specified number of sheets (25-50);
• initials of the person responsible for receiving the book;
• signatures of accountants, economist, cashier and head of the bank.

This is how a sample of filling out an application for a checkbook looks like.

Simple rules for filling out checkbooks

Checkbooks are usually kept by the same people in the same type of handwriting. Filling out the form of the document is done with a pen containing the same color of ink. Therefore, its owner should initially choose whether it will be only black, purple or blue ink.

Another important point when working with the book is the complete absence of corrections and errors. All words and details must be indicated in a strictly defined order and only in the columns designated for them. It is strictly forbidden to speak for the fields of cells and the graph. In addition, each form of the checkbook contains a place for the signature and seal of the owner. At the same time, his bank account number, the name of the enterprise or the initials of the entrepreneur are written manually (at the end of the completed tear-off spine) or indicated on the imprint of the seal itself.

What are the important lines in the check form?

The form of the book, as a rule, contains several lines, each of which is filled in according to the existing rules of the financial institution. For example, in the column "Cash check issued for ...", you must indicate the amount first in numbers, and then in words. You can see in the photo what a sample of filling out a checkbook should be.

The date and month of filling out the document are also put in words. In the case of using numbers when specifying the amount of the check, double underlining of spaces is used before and after writing numbers. In the column "Issue" or "I authorize to issue" the full name of the recipient is indicated in full.

What does a sample checkbook look like?

The appearance of most checkbooks issued by different banks may vary. However, the principle of their filling is almost identical. Let's take an example of such a design.

So, we open your book and see an empty form. We bring to your attention a sample checkbook. It has two sides: front and back, and there is also a cut line and a tear-off spine. Let's fill it in first. To do this, perform the following steps:

• indicate the amount in numbers, for example, “for 150,000 = rubles. 00 kop.";
• we write to whom the check was issued;
• put signatures of responsible persons;
• fill in the date of receipt and put the signature of the recipient.

This is what a finished sample of filling out a checkbook looks like.

How to fill out the front side of the check form?

• the name of the enterprise or individual;
• bank account number of the drawer;
• sum in numbers;
• place of issue (city, locality);
• date and year of issue;
• the name of the financial institution, indicating the number of the corporate account;
• initials of the check recipient (for example, Ivanova Irina Petrovna);
• amount in words;
• signatures of responsible persons.

You will find a sample of a checkbook with the option of filling out its front side in our publication.

How to fill out the reverse side of the check form?

On the back of the check, you can see a small plate, which indicates the following data:

• the purpose of the expense (for example, payment for travel expenses or wages for such and such a month and year);
• the amount of expenses;
• signatures of responsible persons;
• the signature of the payee;
• the name of the document presented for receipt, indicating the number, series, date and place of issue;
• signatures of the cashier, accountant and controller.

Also, this sample of filling out a checkbook includes a tear-off coupon, which mentions the number of the credited order, the date and year of the operation performed, and there is the signature of the chief accountant.

How do checks from different banks differ?

The principle of filling out a check in any bank is almost the same and has common features with the above sample. However, for forms of different banks, all important information can be recorded in a completely different sequence, and the location of the tear-off coupon can also change.

For comparison, we give an example of filling out a Sberbank checkbook. So, in the check form of this financial institution there is also a front and back side, and a tear-off coupon is placed to your right. The form first indicates the name of the enterprise, then the number of the current account of the drawer, the check number, the amount in figures, and then the place, date and year of issue. Next, the full legal name of Sberbank is indicated, and in the “Pay” column, the recipient of the check must be mentioned. Below is the signature and seal of the responsible persons.

In the letterhead of the bank "Saint Petersburg" (formerly "European"), the tear-off coupon is located on the left, and all other columns are present as in Sberbank.

What is the expiration date of a completed check?

Each completed check has its own expiration date. It is believed that from the moment it is filled out and applied to a financial institution, no more than 10 days should pass.

Corporate clients use a checkbook to receive money from a bank. There is no single sample of checks for all banks, so each financial institution independently develops and prints check books. At the same time, regardless of the design of the book itself, the content of checks is practically the same for all financial and credit institutions.

To get a checkbook, you do not need to provide many documents and go through complex procedures. If a current account is already open, the organization only needs to submit an appropriate application and receive a book, the volume of which is usually from 25 to 50 pages with settlement or cash checks, at the discretion of the organization.

First of all, the company's management must decide which checkbooks are required and how many of them should be. It is possible to order several books at once or write out a new one when the checks run out. To find out how many checkbooks you may need at the same time, you need to find out the withdrawal limit from the bank.

Application Form

The Order of the Ministry of Finance of the Russian Federation establishes the Rules for providing state organizations with funds. These Rules are supplemented by an appendix, which is an application form for receiving a checkbook. In commercial banks, the application form is somewhat different, but in general, the text of the application should contain the following data:

• information about the applicant;
• the number of checkbooks with an indication of their volume;
• information about an employee with the right to sign and use a checkbook (passport data and position).
• signature of the employee, certified by the director of the company.
• signatures of company officials.

The application form proposed by the Central Bank is somewhat shorter, but practically repeats the one above. Regardless of whether the owner of the checkbook is a public or private company, the application for the issuance of checkbooks must contain his data and information about users. Being a document of strict accountability, a checkbook always consists of two parts - tear-off (stub) and non-tear-off. The spine, in fact, is a means of payment. The completed tear-off part indicates that the payment has been made. Mistakes made when filling out a check should be recorded by the accounting department.

Filling out an application for a checkbook

Form No. 896 has been developed for this application. After filling out the form, it should be sent to the bank that serves the company. In the application, the name of the company must be indicated in full, it is also necessary to indicate the date of filling.

The text consists of a request for the issuance of one or more checkbooks, while it should be noted which books are needed: cash, settlement, limited, unlimited. The applicant company assumes obligations for the safety and security of money books. The application must be signed by the head and the accountant. Bank employees will indicate in the application how many and which checkbooks have been issued, and they will definitely record the check numbers. The application is valid for 10 days from the date of filling and signing the form.

It is well known that for corporate clients, the bank provides for the receipt of cash by check. At the same time, each bank establishes its own form and design of the checkbook, since there is no legally established sample of a check in the country. However, the content side of the check is almost the same. The issue and issuance of a checkbook is the prerogative of financial and credit institutions.

To obtain it, there is no need to carry out complex procedures or provide many documents. If there is a current account in a particular bank, a company, a firm, an organization submit an application in the prescribed form and receive a checkbook of 25-50 pages necessary for cash transactions. Depending on the needs and organizational and legal form of the enterprise - with cash or settlement checks.

Management actions prior to application

First of all, you should decide: what, or what checkbooks are needed by the company, how many, since it is allowed to have several. You can do it differently: submit a new application each time for the use of all the “pages” in the book (you can ask in advance how many sheets it contains). From a financial point of view, you should be aware of the withdrawal limit.

Checkbook application form

The rules approved by the Order of the Ministry of Finance of the Russian Federation on the provision of funds to state organizations offer Appendix No. 2 - an application form for receiving a checkbook. With some nuances, a similar application is also submitted in commercial banks. An application for issuing a checkbook, which can be downloaded from our website, provides for the presence in it of:

• applicant data
• an indication of the number of required checkbooks and the number of pages in them
• data on the employee who is entrusted with the right to sign and use checks, his passport data and job title
• the signature of an authorized person, certified by the management of the enterprise
• signatures of officials of the enterprise on whose behalf the applicants act

The Central Bank of Russia, in its Directive “On Cash Services to Bank of Russia Institutions of Credit Institutions and Other Legal Entities”, proposes for banks an application form for issuing cash checkbooks that is almost the same, only somewhat shorter. Also attached to the application is a coupon with information about the cashier who issued the checkbook and the number of books issued.

Thus, an application for issuing a checkbook contains the most important information about owners and users, regardless of whether they belong to public or private organizations and companies. This is a strictly accountable document, so the checkbook contains a tear-off part, which is the means of payment, and a completed spine as evidence of the payment transaction. Erroneous completion of the check is recorded in the relevant accounting documents.

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 actual check to be deposited at the bank, and the stub, 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 check 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 gives out 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