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1. Keep your cheque and cheque book in a safe place.
2. Never sign blank cheques in your cheque book.
3. Issue the cheques according to the cheque number sequence. This can help to keep track your cheque records easily.
4. If you made a mistake when writing a check, you should put a big “VOID†across the payee line, amount box and also the signature area. You should also keep the records about this VOID cheque.
5. Always keep a record of the cheque amount, date, and payee. It’s also better to write down what the cheque for.
6. Check against your bank statement from time to time. Ensure the cheques match the records shown on the bank statement.
From the past few years, banks have been adding certain patterns and designs on the cheques so as to increase the security of cheques and to prevent cheque misuse, tampering or alterations. However, due to excessive use of ‘at par payable’ cheques or multi city cheques, RBI has decided to standardize the cheques in terms of size, MICR band, quality of paper, etc for easier, secured and faster clearing.