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> How to make a cash cheque ?, above date must have signature right?

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Binaryteo
post Jul 4 2015, 03:43 PM

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Btw, must the amount be in rounded figure or can you cash out even the cents ?
Has anyone done this before ?
SUSPLOUFFLE
post Jul 4 2015, 03:46 PM

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QUOTE(K.I.T.T @ Jul 4 2015, 03:30 PM)
kalau kau x cross diorang kena proceed macam biasa (tunggu 1-2 hari) tapi kalau cross 30 minit settle.

kalau ko x croseed tetiba stok atau barang ko order tu PROBLEM ( aku consider ko dealer lah . penerima cheque tu supplier) ko boleh call bank suruh stop cheque tu dulu.
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huh???you sure need to wait 1 - 2 hari kalau kau x cross ??so long..then why need cash cheque?normal cheque nowadays take 2 days proceed only...



K.I.T.T
post Jul 4 2015, 03:48 PM

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QUOTE(PLOUFFLE @ Jul 4 2015, 03:46 PM)
huh???you sure need to wait 1 - 2 hari kalau kau x cross ??so long..then why need cash cheque?normal cheque nowadays take 2 days proceed only...
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ko beli barang ke apa ni ? kalau ko cash CHEUQUE ..bila orang tu dah dapat CASH ko tak boleh CANCEL apa apa pun tau.

kalau ko x cross atau follow normal prosedur need 1 to 2 days. kalau ada masalah ko boleh call bank to stop cheque.
Faidzal
post Jul 4 2015, 04:29 PM

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QUOTE(PLOUFFLE @ Jul 4 2015, 03:31 PM)
cash cheque kena cashkan kat branch yang account tu di buka.are you sure???

nombor account kena tulis???kasi cash pun kena tulis penerima punya account nombor?
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1. yes, the problem with cash cheques is that you need to cash in person at the branch issuing the cheque.

which is a problem if you get a cash cheque from KL branch while u are in JB...

2. no, no need account no. for receiver.

cash means cash, you bring the cash cheque to the branch counter, straight away you get cash money.

you wanna cheong/buy toto/deposit into another bank using that other bank's cash deposit machine is up to you...
Faidzal
post Jul 4 2015, 04:31 PM

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QUOTE(K.I.T.T @ Jul 4 2015, 03:48 PM)
ko beli barang ke apa ni ? kalau ko cash CHEUQUE ..bila orang tu dah dapat CASH ko tak boleh CANCEL apa apa pun tau.

kalau ko x cross atau follow normal prosedur need 1 to 2 days. kalau ada masalah ko boleh call bank to stop cheque.
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if not crossed at a/c payee, that is not cash cheque already la...
Faidzal
post Jul 4 2015, 04:32 PM

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QUOTE(Binaryteo @ Jul 4 2015, 03:43 PM)
Btw, must the amount be in rounded figure or can you cash out even the cents ?
Has anyone done this before ?
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the bank will give the exact amount as stated on the cheque.

no matter if it's to person/company or cash...
riezzien
post Jul 4 2015, 04:37 PM

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Faidzal
post Jul 4 2015, 04:40 PM

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QUOTE(PLOUFFLE @ Jul 4 2015, 03:25 PM)
if i want my receiver get  cash on bank?should cross or not cross?
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what do you mean by this?

you want receiver to bring your cheque to the bank and straight away get cash?

then write 'cash' (without the ' '), cross out the a/c payee only and countersign on it

(like what the HSBC cheque showed).

but as mentioned by everyone else, it will mean anyone can get cash money immediately if they cash it, not just your intended receiver.

Faidzal
post Jul 4 2015, 04:42 PM

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QUOTE(narf03 @ Jul 4 2015, 02:35 PM)
for once i lose 200 ringgit trying to bank in a cash cheque into my account, i didnt know its a cash cheque until the issuer told me. clearly 1 of the bank staff is 200 ringgit richer.
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why you didn't go to counter?

AFAIK cash cheques cnnot be deposited using cheque deposit machine, must go to counter...
Faidzal
post Jul 4 2015, 04:46 PM

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QUOTE(K.I.T.T @ Jul 4 2015, 03:28 PM)
yang aku tau cash cheque kena 2 tandatangan satu yang kat bawah satu lagi kat sebelah macam cheque HSBC tu. untuk keselamatan letak nama penerima dan no account. kalau cheque tu kosong takde nama tapi tandatangan semua complete habislah.

cash cheque kena cashkan kat branch yang account tu di buka.
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ye ke kalau letak nama dan account no. selamat?

if cash cheque mana ada letak nama dah.

account no. pun isi kat belakang, itupun technically anything written at the back is not the official instruction/arahan, just as a guidleine.

of which the processor have no obligation to follow....

i have deposited cheque without putting account no. at the back, still processed and correctly went to my account...
Faidzal
post Jul 4 2015, 04:49 PM

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QUOTE(K.I.T.T @ Jul 4 2015, 03:37 PM)
yup. nak cashkan cheque tu kena branch yang dia bukak.. kalau ko bukak kat Kedah...tapi penerima kat Selangor...... laugh.gif 
kalau ko nak kasi cash. tulis nama penerima tu AAAA bin ABCDEF  . pastu tandatangan apa semua la. no penerima kat belakang cheque tu BIAR TUAN PENERIMA tu isi. ko x payah susah susah.
cash cheque 100% ko kena pergi kaunter. kat situ on-the-spot mmg settle.
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nope, if cash cheque the bank doesn't care if name wrong or not.

because by countersigning the 'a/c payee only' on the top of cheque means you allow the bank to proceed payment regardless of the person cashing in the cheque in the intended person or not...

that is the reason why cash cheques are extremly discouraged...
Faidzal
post Jul 4 2015, 04:51 PM

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QUOTE(K.I.T.T @ Jul 4 2015, 03:40 PM)
aku ada cheque book tapi kurang guna. each time nak guna tandatangan mesti silap. bila aku Tanya orang bank tu ...

saya nak tengok tandatagan saya sendiri boleh ?
dia tengok aku lain macam.
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memang la macam tu, bagus budak counter bank tu.

mana tau kau curik chequebook orang lain pastu memandai buat cash cheque...

this shows that you are not a suitable person to use a chequebook, as you can't even remember or use a single signature...

K.I.T.T
post Jul 4 2015, 05:07 PM

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QUOTE(Faidzal @ Jul 4 2015, 04:51 PM)
memang la macam tu, bagus budak counter bank tu.

mana tau kau curik chequebook orang lain pastu memandai buat cash cheque...

this shows that you are not a suitable person to use a chequebook, as you can't even remember or use a single signature...
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lantak lah. orang semua pakai online banking. sekarang pakai ATM pun boleh transfer ATM ke ATM.

kalau ko niaga juta juta wajib la cheque
narf03
post Jul 4 2015, 06:22 PM

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QUOTE(Faidzal @ Jul 4 2015, 04:42 PM)
why you didn't go to counter?

AFAIK cash cheques cnnot be deposited using cheque deposit machine, must go to counter...
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as i said, i didnt check its cash cheque or normal ac payee cheque, i called the bank, they said thats my fault, technically they wont admit its their staff swallowed the money.
SUSPLOUFFLE
post Jul 4 2015, 06:33 PM

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QUOTE(narf03 @ Jul 4 2015, 06:22 PM)
as i said, i didnt check its cash cheque or normal ac payee cheque, i called the bank, they said thats my fault, technically they wont admit its their staff swallowed the money.
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may i know which bank???
you should send a compalint e-mail to bank negara.2 day later ,you will receive the bank kl hq call...
i try a lousy bank service on credit card issue,after that the staff become super friendly with me...
narf03
post Jul 4 2015, 06:35 PM

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QUOTE(PLOUFFLE @ Jul 4 2015, 06:33 PM)
may i know which bank???
you should send a compalint e-mail to bank negara.2 day later ,you will receive the bank kl hq call...
i try a lousy bank service on credit card issue,after that the staff become super friendly with me...
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maybank, but that case was like 10 years ago, i was still very young, didnt know much about cheque, complains etc, just noob on everything.
ReWeR
post Jul 4 2015, 07:37 PM

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QUOTE(Faidzal @ Jul 4 2015, 04:49 PM)
nope, if cash cheque the bank doesn't care if name wrong or not.

because by countersigning the 'a/c payee only' on the top of cheque means you allow the bank to proceed payment regardless of the person cashing in the cheque in the intended person or not...

that is the reason why cash cheques are extremly discouraged...
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i think u r the real cheque master here laugh.gif

personally i use bank transfer only, dunno much and dun bother use cheque book tho
Faidzal
post Jul 4 2015, 11:37 PM

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QUOTE(ReWeR @ Jul 4 2015, 07:37 PM)
i think u r the real cheque master here  laugh.gif

personally i use bank transfer only, dunno much and dun bother use cheque book tho
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thanks, but i should give credit to lucifah for the 'or bearer/atau pembawa' part.

most ppl won't ever use cheque or cheque books, as it requires a specific type of account (current account) and not simply any savings-type account.

at most, you'd probably use a banker's cheque or bank draft if the payment requires a cheque instead of cash.

every few months or so, there will always be a tered about cheques...

and usually most ppl especially KITT will come and give the wrong info or the unsafe method of using cheques...

(in short, cash cheques are bad)...
lucifah
post Jul 5 2015, 08:35 AM

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QUOTE(Faidzal @ Jul 4 2015, 03:11 PM)
must summon cheque writer expert lucifah
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the only books i ever finish reading are cheque books tongue.gif
lucifah
post Jul 5 2015, 08:36 AM

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QUOTE(Faidzal @ Jul 4 2015, 11:37 PM)
thanks, but i should give credit to lucifah for the 'or bearer/atau pembawa' part.

most ppl won't ever use cheque or cheque books, as it requires a specific type of account (current account) and not simply any savings-type account.

at most, you'd probably use a banker's cheque or bank draft if the payment requires a cheque instead of cash.

every few months or so, there will always be a tered about cheques...

and usually most ppl especially KITT will come and give the wrong info or the unsafe method of using cheques...

(in short, cash cheques are bad)...
*
cash cheques are as risky as CASH itself. i only use CASH cheque if i need to withdraw cash MYSELF

if the other party want CASH, he has to withdraw from his own account or i give him CASH on the spot and the rest is his own risk.



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