must summon cheque writer expert lucifah

they still can if the 'atau pembawa/or bearer' wordings are not crossed.

this maybank cheque has the 'atau pembawa/or bearer' wordings xxx-ed out.



this hsbc cheque hasn't:



this is what lucifah told us before.

so don't think just because the cheque has your name doesn't mean someone else cannot bank into their account...

yes, must cross the word if you ask someone else to deposit the cheque on your behalf.

if you yourself go to the cheque deposit machine, then probably ok not to cross those words out.

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...

if not crossed at a/c payee, that is not cash cheque already la...

the bank will give the exact amount as stated on the cheque.

no matter if it's to person/company or cash...

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.

why you didn't go to counter?

AFAIK cash cheques cnnot be deposited using cheque deposit machine, must go to counter...

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...

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...

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...

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)...