If you have a bank account and possibly you want a cheque book from your bank .All you need this time the process on how bank issues chequebook and how to apply for it.Here are the samples as well as format of application to issue cheque book.Lets get started:
What is a Chequebook?
A Chequebook is a booklet which is issued by a authorised bank to their accountholders.The purpose of a cheque is to conduct finanacial transactions efficiently like making payments,funds transfers and so on.
A Chequebook consists of Payee’s Name,Amount,Date,Signature,MICR (Magnetic Ink Character Recognition) Code etc.
It is important to note that in India, cheques are governed by the Negotiable Instruments Act, 1881, which outlines the legal framework for their use and provides certain protections for both issuers and payees.
If you require a chequebook,you can typically request it from your bank by submitting an application or through internet banking services. The bank will issue a new chequebook based on your account details and requirements, and it can be collected from the bank branch or delivered to your registered address, depending on the bank’s policies and procedures.
Types of Cheques:-
The common types of Cheques are:
- Bearer Cheque
- Order Cheque
- Crossed Cheque
- Account Payee Cheque
- Post-Dated Cheque
- Stale Cheque
- Traveler’s Cheque
- Banker’s Cheque (Bank Draft)
Benefits of using Cheques:-
Using cheques in financial transactions offers several benefits, making them a valuable payment method in various situations. Here are some of the advantages of using Cheques:
- Cheques are a secure way to make payments as they require the payee’s endorsement or deposit into a bank account.
- Cheque payments leave a paper trail, making it easier to track and document financial transactions.
- Cheques allow for scheduled or post-dated payments, making them suitable for installment payments, rent, and subscription services.
- Cheques serve as tangible proof of payment, which can be valuable in resolving disputes or for legal purposes.
Who can apply for a cheque book?
Typically, anyone with a bank account can apply for a cheque book, provided they meet certain eligibility criteria set by the bank. Here are the general guidelines for who can apply for a cheque book:
- You must have an active bank account with the financial institution from which you wish to request a cheque book.
- The type of bank account you hold can influence your eligibility. Different account types, such as savings accounts, current accounts, and business accounts, may have varying requirements and fees associated with obtaining a cheque book.
- You will need to provide valid identification documents, such as a government-issued ID (e.g., driver’s license, passport, or national ID card) as part of the application process. The bank uses these documents to verify your identity.
- Some banks may require a minimum level of account activity or a certain account balance to be eligible for a cheque book. This requirement helps ensure that you are an active customer.
- You should not have any outstanding dues, fees, or penalties associated with your bank account.
Documentation needed for Issuance a Chequebook:-
When applying for a cheque book from your bank, you will generally be required to provide specific documentation to verify your identity and eligibility. The exact documentation needed may vary depending on the bank’s policies and local regulations, but here is a list of commonly requested documents:
1. Proof of Identity:
Government-issued photo identification is typically required. Common examples include:
- Passport
- Driver’s license
- National ID card
- Aadhaar card (in India)
2. Proof of Address:
You may need to provide a document as proof of your residential address. Common documents include:
- Recent utility bills (e.g., electricity, water, gas)
- Bank statements or passbooks with your current address
- Rental agreement or lease agreement
3. Bank Account Details:
You’ll need to provide your bank account details, including the account number and type (e.g., savings, current, business).
4. Account Number:
You should know your bank account number, which is usually printed on your passbook or account statement.
5. Signature Verification:
Some banks may require signature verification, where your signature on the cheque book request matches the signature they have on record for your account.
6. Application Form:
Many banks will have a specific application form for requesting a cheque book. You will need to fill out this form with your personal and account details.
7. Photographs:
In some cases, you might need to provide passport-sized photographs for identification purposes.
Steps to Apply for a Cheque Book:-
Here is a detailed process for how to get a chequebook from bank.They are as follows:
- Visit the Bank: Go to the branch of the bank where you hold your account.
- Application Form: Ask the bank personnel for a “Chequebook Request Form” or “Cheque Requisition Form.”
- Fill out the form with the required information, including your account details, such as account number, account holder’s name, and contact information.
- Chequebook Specifications: Indicate the number of cheque leaves you require in the appropriate field on the form. Typically, a chequebook contains 25 or 50 leaves.
- Sign the application form at the designated space
- Submit the filled-out form to the bank representative. They may ask for your passbook or any other identification documents for verification purposes. Some banks may also accept online requests through their internet banking portal or mobile banking application.
- Upon submission, the bank will provide you with an acknowledgement slip or receipt as proof of your chequebook request.
- Once your chequebook is ready, you will be notified by the bank through SMS, email, or a phone call. Visit the bank branch again to collect your chequebook. You may need to show your identification documents for verification purposes.
- The fee amount may vary depending on the bank, account type, and the number of cheque leaves requested. The fee is usually debited from your account.
Online Application for Issue of ChequeBook:-
- If your bank offers online banking services, log in to your account using your username and password.
- Once logged in, look for the section related to cheque book services. This may be under a “Services,” “Requests,” or “Account Services” tab or menu.
- If you have multiple accounts with the bank, choose the account for which you want to request the cheque book.
- Specify the number of cheque leaves you want in your cheque book. The number of leaves may vary based on your bank’s offerings and your specific needs.
- Ensure that your contact details, including your address, email, and phone number, are up to date. This is important for the delivery of your cheque book.
- Double-check all the information you’ve provided to ensure accuracy, especially your account details and the number of cheque leaves.
- If everything is correct, confirm your cheque book request. This may involve clicking a “Submit” or “Confirm” button on the online form.After you’ve submitted your request, the bank will process it. The processing time may vary depending on the bank, but banks often provide an estimated delivery timeframe.
- Once your request is approved and processed, the bank will arrange for the cheque book to be delivered to the address you provided. It may be sent via mail or courier.
Format of application to issue cheque book
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Bank Name]
[Bank Address]
[City, State, ZIP Code]
Subject: Application for Issuing Cheque Book
Dear Sir/Madam,
I am an account holder at your esteemed bank, and I require a new cheque book due to the exhaustion of my current one.
Please find below the relevant details regarding my account:
Account Holder’s Name: [Your Full Name]
Account Number: [Your Account Number]
Type of Account: [Savings/Current]
Branch: [Branch Name]
To facilitate the processing of my request, I have enclosed a duly filled-out cheque book request form, along with any other documents that may be required by the bank. Please let me know if there is any additional paperwork or procedures that need to be completed.If you have any questions or require any further information, please do contact me.
Yours faithfully,
[Your Full Name]
#1 Application to Issue Cheque Book
To,
The Branch Manager,
State Bank of India
D Block NorthEast Delhi
Date:- Date/Month/Year
Subject:-Request for Chequebook
Dear Sir/Madam,
I am XYZ , a saving accountholder in your bank.I am here to request you a chequebook as my clients were asking for payments via cheque.But I am unable to do so as I have no Chequebook.So with urgent need of a chequebook ,I request you to provide me with a chequebook.So ,I can easily make my transactions.
I will be grateful if you can proceed my request as soon as possible.
Account Holder’s Name: [Your Full Name]
A/c Number: [Your Account Number]
Branch: [Branch Name]
Yours Sincerely
XYZ
#2 Application to issue cheque book
To,
The Branch Manager,
State Bank of India
D Block NorthEast Delhi
Date:- Date/Month/Year
Subject:-Request for Chequebook
Dear Sir/Madam,
This is to inform you that I am a sincere account holder of your bank.I request you that I urgently require a chequebook for making my payments as clients were asking payments through cheque.With the non-availablility of a chequebook ,I cannot fulfill my obligations.So, could you provide me a chequebook as soon as possible
It will be nice, if you can proceed my request as soon as possible.
Yours Sincerely
XYZ
#3 Cheque Book Request Letter to Bank:-
To,
The Branch Manager,
State Bank of India
D Block NorthEast Delhi
Date:- Date/Month/Year
Subject:-Request for Chequebook
Dear Sir/Madam,
My self XYZ ,an accountholder in your bank.This is a request to issue a chequebook as my all the transactions are pending because of no chequebook,I have.Clients are asking for their payments via chequebook and have a lot of debt .So can you issue a chequebook to me.I have paid all the charges along with neccessary documents.I will be grateful if you respond to this request as soon as possible.
Account Holder’s Name: [Your Full Name]
[Your Account Number]
Account Type: [Savings/Current]
Branch: [Branch Name]
Yours Sincerely
XYZ
#4 Application to issue Cheque Book :-
To,
The Branch Manager,
State Bank of India
D Block NorthEast Delhi
Subject: Request for Cheque Book
Respected Sir/Madam,
I am in need of [Specify the number of cheque books and leaves you require, e.g., “a single cheque book of 100 leaves” or “two cheque books of 50 leaves each”].I have enclosed copies of my identification and address proof for your reference with this letter.
I kindly request your prompt attention to this matter and appreciate your assistance in processing my request.
Thank you for your cooperation.
Yours sincerely,
[Your Signature]
[Your Full Name]
#5 Application to issue New Cheque Book:-
To,
The Branch Manager,
State Bank of India
D Block NorthEast Delhi
Subject: Request for New Cheque Book
Dear Sir/Madam,
I am Poonam Mishra, here to request the issuance of a new cheque book for my [Account Type] account with [Bank Name]. I have been a valued customer of [Bank Name] for [number of years/months], and I am in need of a new cheque book due to the depletion of my existing one.
My account details are as follows:
- Account Holder Name: [Your Full Name]
- [Your Account Number]
- Branch Name (if applicable): [Your Branch Name]
I kindly request that you provide me with a new cheque book containing [Number of Cheque Leaves] cheque leaves. Please ensure that the cheque book is compatible with my account.
I understand that there may be associated charges for issuing the cheque book, and I am willing to cover these costs. Kindly deduct the applicable charges directly from my account, and provide me with a detailed breakdown of any fees incurred.
I would appreciate it if you could expedite the processing of this request and arrange for the secure delivery of the cheque book to the address registered with my account, which is provided above.
If any additional documentation or identity verification is required to fulfill this request, please inform me promptly, and I will provide the necessary information and documents without delay.
I kindly request that you prioritize this request and endeavor to provide me with the cheque book as soon as possible, considering the importance of this banking instrument for my financial transactions.
If you have any questions, require further information, or need clarification regarding this request, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address].
I appreciate your prompt attention to this matter and thank you for your assistance and cooperation in fulfilling this request.
Yours sincerely,
[Your Full Name]
[Your Signature]
Read more: Format of application to principal
Frequently asked questions (FAQ) section on applying to issue a Cheque book:
Q1: What is a chequebook, and why do I need one?
A1: A cheque book is a booklet of pre-printed paper forms, known as checks, that you can use to make payments from your bank account. You need one to pay bills, make purchases, and conduct various financial transactions easily.
Q2: How can I apply for a new chequebook?
A2: To apply for a new chequebook, you can typically visit your bank’s branch in person, use online banking services, or contact your bank’s customer service to request one.
Q3: Can I apply for a chequebook online?
A3: Yes, many banks offer online banking services that allow you to request a new chequebook through their website or mobile app.
Q4: What information do I need to provide when applying for a chequebook?
A4: You will usually need to provide your account number, account name, and sometimes other identifying information like your date of birth or a valid ID.
Q5: Is there a fee for issuing a chequebook?
A5: Some banks may charge a nominal fee for issuing a new chequebook. The fee can vary depending on your bank and the type of account you have.