Checkbook as a way to withdraw funds from your checking account

Legal entities make most of their payments by means of non-cash payments. However, there are situations when cash can not be dispensed with. For example, many organizations still pay wages in cash, sometimes a small amount is required for household needs or for issuance to a sub-account. To withdraw money from your current account in Russia, you can use two methods: a corporate card and a moneybook. The second way in our country is more popular, since it is considered safer.

The money checkbook is a form of strict accountability, which is a form of money checks stitched together for 25 or 50 pieces. You can get such a book in the bank that performs settlement and cash services for the organization after writing the corresponding application. For registration check bank has the right to charge a commission. Usually it does not exceed two hundred rubles.

Cash checks, which contains a checkbook, consist of three parts: the check itself, the counterfoil and the control stamp. The front side of the check contains information about the settlement account, the amount being given out, the person to whom the money is being issued, the date the check is issued. In addition, here are the signatures of the company's officials and the press, which are compulsorily checked by the bank employee with a card of a sample of signatures and a seal. This serves as a guarantee that withdrawal of funds from the account will not occur without the knowledge of its owner.

The reverse side of the check contains information about the purpose of withdrawing funds, the signature of the recipient, as well as the details of the identity document of the recipient. In addition, there is a field for filling in by the bank's employees, which indicates the date of payment of the check and signature of the person who checked the check that carried out the control, as well as the cashier who issued the money.

Each credit institution must develop recommendations based on which the check book is filled. But there are also general rules: the presence of blots, errors and corrections is not allowed in the check. You can fill out the check with a blue, black or purple ballpoint pen. Do not use several different handles. In the field the amount of writing begins from the very beginning of the line - close to the edge, free space is crossed out by two lines. In addition to the check itself, the counterfoil must be filled in, on the basis of which the relevant records are made in the accounting records of the organization, and a cash receipt is issued.

Damaged checks, as well as roots, are not thrown out, they should be stored in the organization's safe, like the checkbook itself. In the organization, it is accounted for on the off-balance account 006, which is called "Blanks of strict accountability." The check operates for ten days from the moment of its registration, the checkbook itself does not have a validity period. It is returned to the bank only in case of closing the current account.

In general, banks are very strict in filling out checks, so such work requires a person to be more careful and accurate.