Receipt of cash at the bank is carried out by presenting a check to the bank.

The form of a cash check is not established by law, therefore each bank has the right to develop its own form, while maintaining the required details.

To obtain a checkbook, an organization must submit a corresponding application to the bank that provides cash and settlement services for it.

Typically, a checkbook contains 25 or 50 pages, each of which consists of two parts: the check itself, which must be submitted to the bank, and the counterfoil, which remains with the organization.

The cash checkbook is kept under lock and key by the chief accountant, and the counterfoils of paid and damaged checks (as well as the damaged checks themselves) must be kept by the drawer for at least three years.

Filling out and maintaining a checkbook

The check must be filled out only by hand (with a ballpoint pen or ink) and in one handwriting (i.e., by one person).

When filling out the front side, you should avoid mistakes and blots, since in this case the check will be considered invalid. Damaged forms must remain in the checkbook, glued to the counterfoil and canceled with the words “Spoiled.”

The name of the check drawer, that is, the owner of the current account and check book, and his account number are affixed upon receipt of the book at the bank by hand or by imprinting the organization’s stamp on all checks simultaneously.

The line “Check... for...” indicates the amount (in numbers) for which it is issued. In this case, empty spaces in front and after the amount of rubles must be crossed out with two lines.

The next line indicates the place (in some banks it is already filled) and the date of issue of the check. In this case, the date of issue is indicated as follows: day (in numbers), month (in words) and year (in numbers).

After the word “Pay”, enter the last name, first name and patronymic of the cashier (employee) to whom the check is issued, in the dative case, and the empty space is crossed out with two lines.

The next line indicates in words the amount to be received on the check. The amount is written on a line without indentation (from the very edge) and with a capital letter, the free space is crossed out with two lines. Indentation of even a few millimeters is not allowed. The word “rubles” must be indicated after the amount in words without leaving any empty space. If the amount in the check was written in numbers using a dash in the column for kopecks, then writing the amount in words ends with the word “rubles”. If the designation “00 kopecks” was used, then it should be used in the amount in words: “Seventeen thousand four hundred rubles 00 kopecks.”

The check is signed by employees of the check-drawing organization who have the right of first and second signature, always in ink or a ballpoint pen.

The names and signatures of these employees must be recorded in "". Typically, the first signature belongs to the head of the organization as the manager of loans, and the second - to the chief accountant. In order not to suspend the financial activities of the enterprise in their absence, you can indicate two first and two second signatures on the card. For example:
The first signature is the director, deputy. director.
The second signature is the chief accountant, deputy. chief accountant.

The organization's seal is placed in the lower left corner of the front side of the check, the imprint of which is also recorded on the card. The print should not go beyond the boundaries of the intended area.

On the reverse side of the table, the purposes for spending the funds received are indicated (in the form of symbols corresponding to them), and the signatures of the employees of the check-drawing organization (who have the right to do so) are also affixed. This is followed by the signature of the cashier (recipient of funds) confirming receipt of the amount indicated in this check.

The lower part of the reverse side is intended for putting marks identifying the recipient. The accountant writing the check enters in the appropriate lines the passport details of the person who is entrusted to receive money for this check in the cash desk of the bank's operational department.

The space below the bottom horizontal line is used for notes by bank employees on verification, payment orders and direct cash payment through the cash desk of the bank's operational department.

The counterfoil remains in the checkbook, confirming the use of a check for a certain amount. The front side of the counterfoil is filled in when the document is handed over to the cashier of the organization.

It indicates:

• amount to be received in cash at the bank;
• date of issue of the check to the cashier;
• surname and initials of the cashier (recipient of funds).

The front side of the counterfoil must be signed by the first and second signatures of the employees of the organization that draws the check, as well as by the recipient cashier, indicating the date of receipt.

The cashier presents the completed check to the bank teller, who checks its authenticity (correct execution). If there are no comments on the design, the operator cuts out the control stamp in the upper right corner and gives it to the recipient, and the check itself is transferred for payment to the bank's cash desk.

The recipient of the money presents the bank teller with an identification document, gives the control stamp and names the total amount to be received.

The bank teller checks the stated amount against the amount indicated on the check. Then he sticks a control stamp on a special place on the front side of the check and issues cash to the recipient, who, in turn, checks the amount issued here at the bank's cash desk.

The procedure for receiving cash from a current account may vary from bank to bank. In some banks, you must order cash in advance in person or by phone; in other banks, the check must be handed over to the operator on the eve of receiving the funds.

Money received from the bank goes to the organization's cash desk

In Russia, using a checkbook is a long-standing tradition. This was developed both in the Tsarist Empire, and under Soviet rule, and at the present time. Of course, banking is developing towards digitalization; conducting transactions on accounts using bank cards is becoming commonplace. And increasingly in Russia.

However, in certain situations, a checkbook is still practical. For example, it is needed when cashing out small amounts associated with the office expenses of the company, or in areas where there is a shortage of ATMs, where a checkbook is required for issuing salaries.

Therefore, in 2018, the largest Russian banks continue to work with check books. Using Sberbank as an example, find out all the details.

How to get a Sberbank checkbook

To do this, you should contact the Sberbank office and write an application. To save time, you can fill it out at home. A sample application for issuing a checkbook at Sberbank can be downloaded from the official website using this link. Then the form in DOC format can be easily printed on a printer.

Sample application for a checkbook form 2018 - fragment

At the Sberbank office, with an application in hand, you pay for this service - either in cash at the cash desk or with a bank card at an ATM.

One-time payment for the entire book. In 2018, issuing a completed checkbook will cost the client 300 rubles for one standard copy. The benefit of the bank here is clear: as soon as the book runs out of check pages, you will have to re-issue it according to the scheme described above.

After paying for the service, you are informed of the deadline for issuing a Sberbank checkbook.

In consumer reviews on forums on the Internet, users write that the time to prepare a checkbook can vary - from 2 hours after application to several days. This depends on the technical capabilities of the office, the availability of new check books, etc.

It should be remembered that a legal entity receives a strict reporting document - the Sberbank checkbook is linked to the company's current account. The used checkbook (stubs) must be kept for 5 years. Damaged forms are glued to the spine.

When the current account of an enterprise that has received a checkbook is closed, the legal entity that issued the checkbook is obliged to return unused forms of numbered checks with counterfoils to Sberbank.

How much does it cost to use a Sberbank checkbook in 2018

Tariffs for using a Sberbank checkbook for someone who has received a correctly filled out check and came to the bank office to present it for payment are determined by Sberbank’s internal instructions. For some reason they are not published on the official website. It is understood that the owner-legal entity receives this information at the time of execution of this document.

Using a Sberbank checkbook costs % of the cashed amount

If you cash a check, Sberbank will charge you a commission in the amount of half a percent of the check amount.

If you have an account with Sberbank and ask to credit the amount from a settlement check to your bank card, you will be charged the same 0.5% commission.

If you are four months overdue on a check, then at the Sberbank office you may be charged a commission, the amount of which is calculated based on the actual costs of Sberbank for servicing during this period. The penalty may not be large, but it is still unpleasant.

There are also limits on cashing money from a check. So, if the amount to be issued exceeds 30 thousand rubles, then Sberbank may ask the organization that issued the check to confirm such payment amount. So there may be difficulties with the timing of cashing a settlement check.

How to fill out a Sberbank checkbook - sample

A strict reporting document does not imply even the slightest mistakes when filling it out. If you fail, fill out a new check! You cannot tear out an old sheet from a book and throw it away. You need to carefully cross it out and make the entry “cancelled.” Sberbank offices have samples of how to fill out a checkbook.

This is what a Sberbank checkbook form looks like

The general rules are as follows:

• use blue, black or purple ink;
• entries are made in Russian and by hand;
• It is unacceptable to write past the specially designated spaces;
• corrections are prohibited;
• the cash out amount is written in numbers, instead of kopecks there is a dash with two horizontal lines;
• in the column “Amount in words” write it with a capital letter;
• The signatures of the responsible persons must correspond to those presented as samples for the bank. You should also provide the bank with a sample of the company's seal for endorsement of the check.

Reverse side of a form from a Sberbank checkbook

The procedure for using a Sberbank checkbook is regulated.

However, in our huge country, various discrepancies with the canons are possible. For example, in some regions you should first call the Sberbank office and order the amount that the client plans to cash using a settlement check. Sometimes you should come to the office in person the day before, since the recipient may not be trusted over the phone and will not be able to prepare cash in the required amount.

The person indicated on the check as the recipient presents it to the bank employee and proves his identity. He is obliged to name the amount he presented for cashing. A Sberbank employee at the cash desk checks the check and the recipient's passport, sticks a so-called control stamp on the check and issues money. The recipient is obliged to check the entire amount issued without leaving the cash register. Otherwise, his possible complaints about its size will not be taken into account.

To summarize, we note the following. Personal contact between the recipient of the money and bank employees implies an increased level of security. The risk of fraud when cashing a check in compliance with all regulated procedures is minimized.

Minus of a checkbook Sberbank is more likely to be an advanced Internet user. They are accustomed to using electronic financial instruments. Thus, the Sberbank online service is very popular among the largest Russian bank in terms of the number of clients. Unfortunately, you cannot order a checkbook from Sberbank online, since the checkbook does not exist in digital form.

Although in the near future, when digital customer identification becomes an everyday reality, electronic settlement checks may be used in some individual cases.

Who would have thought that the famous phrase from the American film “I don’t have cash, but I can write you a check” would become so popular in our reality. Indeed, if you do not have cash, you can always issue a check to bearer and indicate the appropriate amount on it. However, not everyone knows how to fill it out correctly. We offer you a sample of filling out a checkbook.

Brief information about checkbooks

Checkbooks are a kind of financial document consisting of 25 or 50 sheets. As a rule, they are linked to the bank account of the owner of the book and allow non-cash payments with the subsequent purpose of cashing them out at credit institutions.

The book itself visually resembles a small oblong notebook. Each page is divided into two parts. These are checks, one of which is signed and handed over to the bank for subsequent issuance of the specified amount, and the second is a copy. It is he who remains in the book and serves as a kind of document for reporting when funds are written off from the account. You can get a book by writing a corresponding application to the bank. How to fill out a checkbook?

What to write in an application for a book?

The application form may also have a tear-off coupon “for the cash register” and a main part where the following information is indicated:

• name of the enterprise;
• date and month of writing the application;
• organization account number;
• please issue 1 book with the specified number of sheets (25-50);
• initials of the person responsible for receiving the book;
• signatures of accountants, economist, cashier and bank manager.

This is what a sample of filling out an application to receive a checkbook looks like.

Simple rules when filling out checkbooks

Checkbooks are usually kept by the same people in the same handwriting. Filling out the document form is done with a pen containing the same color of ink. Therefore, its owner should initially choose whether it will be only black, purple or blue color of the paste.

Another important point when working with the book is the complete absence of corrections and errors. All words and details must be indicated in a strictly defined order and only in the columns provided for them. It is strictly forbidden to speak over the fields of cells and the graph. In addition, each blank checkbook contains a place for the signature and seal of the owner. In this case, the number of his bank account, the name of the enterprise or the initials of the entrepreneur are written down manually (at the end of the completed tear-off spine) or indicated on the imprint of the seal itself.

What important lines are on the check form?

The book form, as a rule, contains several lines, each of which is filled out in accordance with the existing rules of the financial organization. For example, in the column “Cash check issued for...” you must indicate the amount first in numbers and then in words. What a sample of filling out a checkbook should look like can be seen in the photo.

The date and month of filling out the document are also written in words. In the case of using numbers when specifying the check amount, double underlining spaces are used before and after writing the numbers. In the “Issue” or “I authorize to issue” column, the full name of the recipient is indicated.

What does a sample checkbook look like?

The appearance of most check books issued by different banks may vary. However, the principle of filling them is almost identical. Let's give an example of such a design.

So, we open your book and see a blank form. We present to your attention a sample checkbook. It has two sides: front and back, and also has a cutting line and a tear-off spine. First we fill it out. To do this, perform the following steps:

• We indicate the amount in numbers, for example, “for 150,000 = rub. 00 kopecks";
• we write to whom the check was issued;
• sign the responsible persons;
• fill in the date of receipt and sign the recipient.

This is what a finished sample of filling out a checkbook looks like.

How to fill out the front side of a check form?

• name of the company or individual;
• check drawer's bank account number;
• amount in numbers;
• place of issue (city, locality);
• date and year of issue;
• name of the financial organization indicating the corporate account number;
• initials of the check recipient (for example, Ivanova Irina Petrovna);
• amount in words;
• signatures of responsible persons.

A sample checkbook with an option for filling out its front side can be found in our publication.

How do I fill out the back of a check form?

On the back of the check you can see a small plate containing the following information:

• purpose of the expense (for example, travel allowances or wages for such and such a month and year);
• amount of expenses;
• signatures of responsible persons;
• signature of the check recipient;
• the name of the document presented for receipt, indicating the number, series, date and place of issue;
• signatures of the cashier, accountant and controller.

Also, this example of filling out a checkbook includes a tear-off coupon, which mentions the number of the posted order, the date and year of the transaction performed, and the signature of the chief accountant.

How do checks from different banks differ?

The principle of filling out a check in any bank is almost the same and has common features with the above sample. However, on the forms of different banks, all important information may be recorded in a completely different sequence, and the location of the tear-off coupon may also change.

For comparison, here is an example of filling out a Sberbank checkbook. So, the check form of this financial institution also has a front and back side, and the tear-off coupon is located on your right. The form first indicates the name of the enterprise, then the drawer's current account number, the check number, the amount in figures, and then the place, date and year of issue. Next, indicate the full legal name of Sberbank, and in the “Pay” column you must mention the recipient of the check. Below is the signature and seal of the responsible persons.

In the form of the Bank "St. Petersburg" (formerly "European"), the tear-off coupon is located on the left, and all other columns are present as in Sberbank.

What is the expiration date for a completed check?

Each completed check has its own expiration date. It is believed that no more than 10 days should pass from the moment of filling it out and contacting the financial institution.

Sberbank is the largest Russian bank. It serves not only individuals, but also legal entities. Interaction between them can occur not only through a bank branch, but also remotely. You can often come across questions about how to write. To answer this as accurately as possible, special cases should be considered separately.

Application for replacement of a Sberbank Business Online token

To work with companies and individual entrepreneurs with their accounts and counterparties, they often use the Sberbank Business Online system. After receiving the username and password to log in, the client must select one of the following options to confirm the transactions performed:

• through codes sent in one-time messages to the phone number linked to your account;
• using a special token, which is a reliable means of cryptographic protection.

The second option is used by Sberbank clients much more often, as it allows you to maximally secure your own account from unauthorized actions of others.

The number of tokens is determined by the number of users. Everyone should definitely have their own. This means that if 4 people work in an enterprise with the Sberbank Business Online system, then they first need to obtain 4 cryptographic keys from the Sberbank service branch.

The token allows you to sign documents and fully work with your account.

If a token is available, the client can become a user of another very convenient system - E-invoicing. It makes it possible to conduct electronic document management in the enterprise. Through this system, you can send reports to the Federal Tax Service and other authorities.

Filling out an application to receive or replace a token

To become the owner of a digital certificate in USB format, you must send a corresponding application to a Sberbank branch, drawn up on a standard form, which can be found in the appendices to the agreement for connecting to the Sberbank Business Online system. The document is small and contains the following information:

• Name of the organization;
• Full name and passport details of the person to whom the certificate is issued due to his having the appropriate authority;
• the number of keys issued (written in words, not numbers);
• the date of payment for the tokens received (they are paid through the Sberbank cash desk) or the number of the current account from which money must be debited.

At the end, signatures and transcripts of the manager and chief accountant, as well as a seal, must be affixed.

In the second part of the document, a transfer and acceptance certificate is drawn up, which indicates the serial numbers and cost of the tokens.

In case of loss or damage of keys, authorized persons must also contact the Sberbank service branch.

Application for password change in Sberbank Business Online

To work with the Sberbank Business Online platform, the client uses a personal account, which requires a login (identifier) ​​and password to enter. Working with this platform provides the ability to change the password if necessary. This may be required in a number of the following cases:

• the password became known to third parties;
• the client cannot remember the password;
• the client decided to change the password at will.

Available methods for changing the password in the system

There are several ways in which you can change your password. You can do this in the following order:

1. Go through the authorization procedure in the Sberbank Business Online system. Go to the settings section in your personal menu. There you need to click on the access and security item. Here the system prompts the client to change existing privacy settings, change his ID or password. In this case, you need to select a password change, enter the old password and come up with a new one by entering it in the appropriate field.
2. Contact the Sberbank service branch. This method is usually used in extreme cases or when it is impossible to remember the current password for your account. In this case, there is no need to panic. Bank specialists will quickly restore access to your account. To do this, you need to fill out the appropriate application to change the password for a specific account, take your passport with you and go to a bank branch. You can contact any of the bank branches that serve legal entities and entrepreneurs, including.

The application form is not large; it contains the following information:

• name and legal address of the organization;
• INN, OGRN and current account number of the company;
• information about the authorized representative receiving new passwords (full name and document that is the basis for issuing data to this particular person);
• information about the account for which you need to change the password (login, attached phone number, full name).

At the end, a signature, seal and date of preparation of the document are affixed. Next, the bank specialist makes notes on acceptance of the application.

Some Sberbank clients express their bewilderment about the need to contact a bank branch in such cases. It is not possible to restore access through a telephone call because the service organization cares about the safety of information and funds in the client’s accounts.

Application for closing a Sberbank current account

Sometimes, due to various reasons, legal entities and individual entrepreneurs have the need to close their current account with Sberbank. Some of them do not know in what sequence they need to act.

Procedure for closing a current account by legal entities

For them, this procedure is more labor-intensive than for private entrepreneurs. When closing your own account, you need to proceed in the following sequence:

1. Get rid of account balances. Available funds can be transferred to another current account or cashed out, although in this case you will need good reasons for this.
2. You need to leave a small amount of funds in the account, which will allow you to pay a commission to Sberbank for servicing.
3. Next, you should obtain from the bank branch a statement of the movement of money in the account and information about available balances.
4. Fill out, having previously issued the appropriate order or minutes of the meeting within the enterprise. The document requesting account closure must indicate the reason for such a decision.
5. You need to contact the Sberbank branch that serviced the organization’s account.
6. All debts to Sberbank are closed, including all kinds of commissions and subscription fees. A separate item is the fee for direct account closure.
7. Only after this the bank will accept an application from an authorized person of the organization. It must be filled out on Sberbank form.
8. You must receive a notification from the bank about the closure of the account, which is subsequently provided to the local tax office by the organization itself.

Procedure for closing an account for private entrepreneurs

For individual entrepreneurs, closing a current account is much easier and faster than for legal entities. The client just needs to find out information about the funds remaining in the account, fill out the appropriate application indicating the relevant details to which the surplus will be transferred (the difference between the balances and the commission).

Closing a current account is possible only if the individual entrepreneur has no debt to Sberbank. If everything is in order, then the bank specialist issues a corresponding notification, which must be taken to the tax service.

An application to close an account can only be completed by the entrepreneur himself or his authorized representative. Moreover, in the second case, this must be specified in the agreement between the client and Sberbank.

Application for issuance of a checkbook at Sberbank

A checkbook is a working tool for many entrepreneurs and legal entities. It allows you to make transactions in real time. Many people turn to Sberbank to issue a checkbook because of its convenience and ease of use.

There is a unified form of form No. 896. It is used, including by Sberbank. The Bank reserves the right to make any adjustments to this form that do not contradict existing standards.

What must be indicated in the application for a checkbook?

Any bank’s application for issuing a checkbook contains the following mandatory details:

• number of the current account from which funds for check obligations will be written off;
• number of sheets in the book;
• the name of the organization to whose account funds will be written off.

Be sure to make a note in the application addressed to the bank about who will be responsible for storing the checkbook. The details of the responsible person may also be indicated there.

Procedure for obtaining a check book

Getting a checkbook from Sberbank is quite simple; to do this you need to proceed as follows:

1. Contact the bank branch with a written application. If necessary, the organization’s employees will issue the client with the established sample.
2. When filling out the application, you must indicate the details of the organization, affix a certain seal and signatures of certain persons.
3. Next, you need to deposit the required amount for using this service at the cash desk of the bank branch. It is better to check the price of a checkbook in advance with the operator or call a Sberbank branch. Payment is made one-time, regardless of how long the checkbook is used. Money can be provided in cash or the required amount can be debited from the organization’s current account.
4. After this, the checkbook will be opened.

Before using this service, you must clarify the size of the limit for withdrawing money from your current account by checks without prior notification to the bank.

We must not forget that a checkbook is a full-fledged payment document, transactions on which are directly related to the company’s current account. Responsible persons must comply with record keeping rules.

You need to pay attention to even minor points. If the check is filled out incorrectly, you will have to fill out a new strict reporting form, while the old one will be invalid. You cannot make any corrections on the check. Such paper automatically becomes unsuitable for acceptance at a Sberbank branch.

The procedure for registering a checkbook is quite simple and straightforward. If you have any difficulties filling out the application, you can always ask for a sample and make entries in accordance with the example.