How to Fill a Cheque for Self-Cheque Person: A Comprehensive Guide

How to Fill a Cheque for Self-Cheque Person: Writing a cheque for someone else might seem straightforward, but it’s important to understand the correct process to ensure that the payment goes smoothly. Whether you’re helping a friend, paying a vendor, or making a donation, writing a cheque to another person is a formal method of transferring funds. In this guide, we’ll walk you through the steps of how to fill a cheque for another person, explain the key differences between self-cheques and other-person cheques, and provide useful tips to avoid common mistakes.

What is the Difference Between a Self-Cheque and an Other-Person Cheque?

Before we dive into the process of filling out a cheque for someone else, it’s important to understand the distinction between two types of cheques:

Self-Cheque: A self-cheque is when you write the cheque for yourself, i.e., you are both the drawer (the person writing the cheque) and the payee (the person receiving the funds). These are typically used when you need to cash the cheque yourself or deposit it into your own account. In the payee’s name field, you simply write “Self” or your full name.
Other-Person Cheque: In an other-person cheque, the payee is someone other than the drawer. This means you are writing a cheque to pay for goods, services, or to transfer funds to another person. The payee’s name is different from the person writing the cheque.

While the steps for writing both types of cheques are similar, the key difference lies in who is listed as the payee.

How to Write a Cheque Amount in Words: A Step-by-Step Guide

Key Components of a Cheque

Let’s break down the various components you’ll need to fill out when writing a cheque for someone else. Understanding each section is crucial to avoid mistakes.

Cheque Number: This is a unique identifier for each cheque you issue. It’s typically printed on the top-right corner of the cheque. The number helps the bank track and manage your cheque transactions.
Date: This indicates when you’re writing the cheque. Write the current date in the date field. It’s important to ensure the cheque isn’t post-dated or stale, as banks typically won’t honor cheques that are more than six months old.
Payee’s Name: In this section, write the name of the person or entity you are paying. If you’re writing a cheque to someone else, you will write their full name clearly. This ensures that the bank will only honor the cheque if it’s cashed by the person whose name appears on the cheque. Example: If you’re paying ₹5000 to John Doe, you would write “John Doe”.
Amount in Numbers: The next field is where you write the amount of money you’re paying in numerical form. This should match the amount you want to pay exactly and should be written clearly in digits to avoid any confusion. Example: For ₹5000, you would write “5000” in the numerical field.
Amount in Words: This section is where you write the amount in words. This helps ensure that the amount written in numbers is what you intend to pay. If the numbers are unclear, the words will be used as the final reference. Example: For ₹5000, you would write “Five thousand rupees only”. Ensure there’s no room left to prevent alterations.
Signature: The signature is your authorization to the bank to release the funds. You must sign the cheque at the bottom right, exactly as your signature is registered with the bank. This validates the cheque and ensures its legitimacy.
Bank Details: This is typically pre-printed on the cheque. It includes the bank’s name and branch. This part also helps in verifying the origin of the cheque.

Steps to Fill a Cheque for Another Person

Writing a self-cheque is similar to writing a cheque for someone else, but the key difference is that the payee (the person who will receive the payment) is you. This is commonly done when you need to withdraw money from your account or deposit it into your own account. Let’s walk through the process to ensure that your self-cheque is filled out correctly and can be processed smoothly.

Step 1: Fill in the Date

The date is a critical part of the cheque. If the date is missing or incorrect, the cheque could be rejected by the bank.

What to Do: Write the current date in the date section of the cheque. This is typically located on the top right-hand corner. Use the date format required by your country, either DD/MM/YYYY or MM/DD/YYYY.
Example: If today is March 19, 2025, you would write “19/03/2025”.
Why It’s Important: The date is used to track when the cheque was written. Cheques that are post-dated or stale (older than six months) are usually not honored by the bank, so make sure it’s up-to-date.

Step 2: Write the Payee’s Name

Since this is a self-cheque, you are the payee. You will write “Self” or your own name in the “Payee” section.

What to Do: In the payee section, write “Self” or your full name. If your bank requires it, you can write your full name as it appears on your bank account.
Example: If your name is Amit Singh, write “Amit Singh” in the payee section.
Why It’s Important: The payee is the person or entity receiving the money. For a self-cheque, since you are the one receiving the funds, writing “Self” or your name ensures that you can withdraw or deposit the cheque into your own account.

Step 3: Write the Amount in Numbers

In this step, you write the amount you wish to withdraw or deposit in numerical form. This is the amount that the bank will process.

What to Do: Write the amount in figures in the small box, usually located next to the word “Amount.” Be sure the numbers are clear and precise to avoid any errors or confusion.
Example: If you are withdrawing ₹5000, write “5000” in the numerical section.
Why It’s Important: The numerical amount is the first reference the bank uses to process the cheque. It’s essential that this amount is legible and matches the amount written in words.

Step 4: Write the Amount in Words

This is one of the most important steps when filling out a self-cheque. The amount in words acts as the final verification, ensuring there’s no ambiguity in the cheque.

What to Do: Write the same amount in words as you did in numbers. This will be the final confirmation for the bank in case the numerical amount is unclear.
Example: For ₹5000, you would write “Five thousand rupees only”.
Why It’s Important: The words ensure that there are no discrepancies or confusion about the amount, especially if the written digits are unclear or smudged. Banks will refer to the amount written in words if there’s any inconsistency.
Tip: Always write “only” at the end of the amount to prevent anyone from adding more words or numbers to the cheque.

Step 5: Sign the Cheque

Your signature is your authorization for the bank to release the funds from your account. This step is crucial to making the cheque valid.

What to Do: Sign the cheque in the bottom-right corner, exactly as you have signed with your bank. Use the signature that is on file with the bank to ensure there is no issue when processing the cheque.
Example: If your name is Amit Singh, sign the cheque as “Amit Singh”.
Why It’s Important: The signature authenticates the cheque and confirms that you are authorizing the bank to process the transaction. Without a signature, the cheque cannot be cashed or deposited.

Step 6: Double-Check the Information

After filling out the cheque, it’s important to review everything carefully. A small error can cause the cheque to be rejected or delayed.

What to Do: Review the cheque for any mistakes. Ensure that:
- The date is correct and current.
- The payee’s name is written as “Self” or your full name.
- The amount is written in both numbers and words, and they match exactly.
- Your signature is present and correct.
Example: Ensure that you have written “Amit Singh” as the payee, ₹5000 in both numbers and words, and signed at the bottom-right.
Why It’s Important: Even a small mistake, like a missing digit or an incorrect name, can lead to the cheque being rejected by the bank. By double-checking, you reduce the risk of any issues.

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Example of a Filled Self-Cheque

Here’s how a self-cheque for ₹5000 might look once it’s filled out correctly:

Signature: Amit Singh
Amount in Numbers: ₹5000
Amount in Words: Five thousand rupees only
Signature: Amit Singh

Date: 19/03/2025

Payee’s Name: Amit Singh (or “Self”)

Amount in Numbers: ₹5000

Amount in Words: Five thousand rupees only

How to Write an Other-Person Cheque: A Complete Guide

An other-person cheque is when you write a cheque to someone else, transferring money from your bank account to theirs. It’s commonly used to pay for goods or services or to send money to someone. In this section, we will explain how to fill out an other-person cheque and highlight the key differences between this and a self-cheque.

Step-by-Step Guide to Filling an Other-Person Cheque

Here’s how you should fill out a cheque when the payee is someone else (not yourself):

Date
- What to Do: In the top-right corner, write the current date.
- Example: If today’s date is March 19, 2025, you would write “19/03/2025.”
- Why It’s Important: The date helps to establish when the cheque was written. Banks may not accept cheques that are too old (usually beyond six months).
Payee’s Name
- What to Do: In the “Pay to” section, write the name of the person or entity you’re paying. This is the person or business that will be able to deposit or cash the cheque.
- Example: If you’re paying ₹5000 to John Doe, you would write “John Doe”.
- Why It’s Important: Only the person whose name is written here can deposit or cash the cheque. Ensure the name is written clearly and correctly.
Amount in Numbers
- What to Do: In the small box next to “₹,” write the amount in digits (numbers). This amount should match the amount in words you write later.
- Example: For ₹5000, write “5000” in the numerical section.
- Why It’s Important: This tells the bank the exact amount to pay. It’s crucial to write it clearly to avoid any confusion.
Amount in Words
- What to Do: In the larger box next to the amount in numbers, write the same amount in words. This ensures that the bank has two forms of verification for the amount.
- Example: For ₹5000, you would write “Five thousand rupees only”.
- Why It’s Important: This helps prevent any confusion or errors with the amount, particularly if the numbers are hard to read or unclear. The amount in words is the final reference for payment if the numbers are unclear.
Signature
- What to Do: Sign the cheque at the bottom-right corner. This signature should match the one you have registered with your bank.
- Example: If your name is Amit Singh, sign “Amit Singh”.
- Why It’s Important: Your signature authorizes the bank to release the funds from your account to the payee. Without it, the cheque is invalid.
Bank Details
- What to Do: Ensure that your bank name and account number (usually pre-printed) are visible on the cheque. Some cheques may also have a unique cheque number for tracking.
- Why It’s Important: These details help the bank process the payment.

Example of a Filled Other-Person Cheque

Date: 19/03/2025
Payee’s Name: John Doe
Amount in Numbers: ₹5000
Amount in Words: Five thousand rupees only
Signature: Amit Singh

Differences Between a Self-Cheque and an Other-Person Cheque

While both a self-cheque and an other-person cheque involve writing a cheque to access or transfer money, there are key differences in how the payee is handled:

Payee’s Name
- Self-Cheque: You write your own name (or “Self”) in the payee section, meaning you are the one receiving the funds.
- Other-Person Cheque: You write someone else’s name as the payee. The funds are directed to the person or business you intend to pay.
Example:
- Self-Cheque: Write “Self” or your own name (e.g., “Amit Singh”).
- Other-Person Cheque: Write the name of the recipient, like “John Doe”.
Purpose
- Self-Cheque: Generally used when you are withdrawing funds for yourself or depositing the cheque into your account.
- Other-Person Cheque: Used to make payments to other individuals or businesses, such as paying for goods, services, or sending money.
Banking Process
- Self-Cheque: If you’re cashing a self-cheque, you’ll typically either deposit it into your own account or withdraw the funds directly at the bank.
- Other-Person Cheque: The recipient (the payee) will deposit or cash the cheque at their bank. If you’re paying someone, they will be the one to handle the cheque with their bank.

Important Tips for Filling a Cheque for Another Person

Use Ink: Always use a blue or black ink pen to write the cheque. This prevents any alterations or tampering.
Avoid Overwriting: If you make a mistake, do not overwrite or erase. Simply cancel the incorrect entry by drawing a line through it and writing the correct information next to it.
Cross the Cheque: If you’re worried about unauthorized cashing, you can cross the cheque. This means that the cheque can only be deposited into the payee’s account and not cashed directly.
Ensure Sufficient Funds: Always check that you have enough funds in your account to cover the cheque. A cheque that bounces due to insufficient funds can result in penalties and damage your relationship with the payee.

Conclusion

Filling a cheque for another person may seem complicated at first, but it’s simply a matter of following the right steps. By ensuring that all details are correctly filled in, from the payee’s name to the amount and your signature, you’ll avoid any problems when the cheque is processed. Remember to always double-check your information, and use clear handwriting to ensure that your cheque can be cashed or deposited without issues.

By understanding the differences between a self-cheque and an other-person cheque, and by following the outlined steps, you’ll be able to confidently use cheques for a variety of transactions, ensuring smooth and secure payments for others.

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FAQs

1. How Do I Write a Cheque for Myself?

To write a cheque for yourself, you essentially follow the same process as writing a cheque for someone else, but with one key difference: the payee field will have your own name or the word “Self.” Here’s how to do it:

Date: Write the current date.
Payee’s Name: Write your own name (or “Self”).
Amount in Numbers: Write the amount you want to withdraw or deposit in numbers (e.g., ₹5000).
Amount in Words: Write the same amount in words (e.g., “Five thousand rupees only”).
Signature: Sign the cheque at the bottom-right corner.
When you present this cheque, you will typically be able to deposit it into your own account or cash it at the bank.

2. How Do I Fill Out a Self-Account Cheque?

Filling out a self-account cheque is the same as writing a cheque for yourself. Here’s how to do it step-by-step:

Date: Write the current date.
Payee’s Name: In the payee section, write “Self” or your own name.
Amount in Numbers: Write the desired amount in numerical form.
Amount in Words: Write the same amount in words to ensure there is no confusion.
Signature: Sign the cheque at the bottom-right.
Bank Details: Check if your bank’s branch and account number are pre-printed on the cheque. If not, ensure that your account details are filled in.

3. How Do I Fill Out a Personal Cheque? Can I Write My Own Cheque?

Filling out a personal cheque is straightforward:

Date: Write the date on the cheque.
Payee’s Name: Write the name of the person or entity you wish to pay.
Amount in Numbers: Clearly write the amount in numerical digits.
Amount in Words: Write the amount in words (e.g., “Five thousand rupees only”).
Signature: Sign the cheque at the bottom-right to authorize the payment.
- Can You Write Your Own Cheque? Yes, you can write a cheque for yourself, also known as a self-cheque, by following the same steps as above but using your own name as the payee.

4. Do We Need to Fill a Slip for a Self-Cheque?

No, you typically do not need to fill out a slip when writing a self-cheque. A slip is generally required when depositing a cheque into your account at the bank. However, if you are withdrawing money at the bank, you may need to provide an account withdrawal slip along with the cheque for verification.

5. How Do I Fill in a Check?

To fill in a cheque properly, follow these steps:

Date: Write the current date.
Payee’s Name: In the “Pay to” section, write the name of the person or business you’re paying.
Amount in Numbers: Write the amount in digits in the box provided.
Amount in Words: Write the same amount in words next to the numerical amount.
Signature: Sign at the bottom right of the cheque to authorize the transaction.
- Always double-check that the numbers and words match to avoid any issues.

6. Who Signs the Back of a Cheque?

The back of the cheque is typically signed by the payee (the person receiving the money). If you are the payee and intend to deposit the cheque into your account, you will need to endorse it by signing the back. Some banks may also require additional information, such as your account number.

7. How to Pay by Cheque?

To pay by cheque, follow these steps:

Fill Out the Cheque: Write the cheque with the correct date, payee’s name, amount in numbers and words, and your signature.
Hand Over the Cheque: You can either hand over the cheque directly to the payee or mail it to them.
Payee Deposits/Cashes the Cheque: The payee can either deposit the cheque into their bank account or cash it at the bank.
Cheque Processing: Once the cheque is presented at the bank, it will be processed. If there are sufficient funds in your account, the bank will transfer the amount to the payee’s account or provide them with cash.