A cheque sample from Canada 2006 A cheque or check (; ) is a document that orders a bank to pay a specific amount of money from a person's account to the person in whose name the cheque has been issued. The person writing the cheque, the, has a (often called a current, cheque, chequing or checking account) where their money is held. The drawer writes the various details including the amount, date, and a on the cheque, and signs it, ordering their bank, known as the drawee, to pay that person or company the amount of money stated. Cheques are a type of and were developed as a way to make payments without the need to carry large amounts of money. Evolved from, another form of negotiable instrument similar to cheques in that they were originally a written order to pay the given amount to whoever had it in their possession (the '). A cheque is a instructing a to pay a specific amount of a specific currency from a specified held in the drawer's name with that institution. Both the drawer and payee may be.

Cheques are order instruments, and are not in general payable simply to the bearer as are, but must be paid to the payee. In some countries, such as the US, the payee may endorse the cheque, allowing them to specify a third party to whom it should be paid. Although forms of cheques have been in use since ancient times and at least since the 9th century, it was during the 20th century that cheques became a highly popular non- method for making and the usage of cheques peaked. By the second half of the 20th century, as cheque processing became automated, billions of cheques were issued annually; these volumes peaked in or around the early 1990s. Since then cheque usage has fallen, being partly replaced by electronic payment systems.

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In an increasing number of countries cheques have either become a marginal or have been completely phased out. • • • • • • • • • • • • • History • • • • • • • • • Production • • • • • • • • • • • • • • •. See also: The cheque had its origins in the ancient banking system, in which bankers would issue orders at the request of their customers, to pay money to identified payees. Such an order was referred to as a. The use of bills of exchange facilitated trade by eliminating the need for merchants to carry large quantities of currency (for example, gold) to purchase goods and services.

Early years [ ] The ancient Romans are believed to have used an early form of cheque known as praescriptiones in the 1st century BCE. Muslim traders are known to have used the cheque or ṣakk system since the time of (9th century) of the.

Transporting a paper sakk was more secure than transporting money. In the 9th century, a merchant in country A could cash a saqq drawn on his bank in country B. In the 13th century in the bill of exchange was developed as a legal device to allow international trade without the need to carry large amounts of gold and silver. Their use subsequently spread to other European countries. In the early 1500s in the, to protect large accumulations of cash, people began depositing their money with 'cashiers'.

These cashiers held the money for a fee. Competition drove cashiers to offer additional services including paying money to any person bearing a written order from a depositor to do so. They kept the note as proof of payment. This concept went on to spread to England and elsewhere.

Modern era [ ] By the 17th century, bills of exchange were being used for domestic payments in England. Cheques, a type of bill of exchange, then began to evolve. Initially they were called drawn notes, because they enabled a customer to draw on the funds that he or she had in the account with a bank and required immediate payment. These were handwritten, and one of the earliest known still to be in existence was drawn on Messrs Morris and Clayton, and bankers based in the, and dated 16 February 1659. In 1717, the pioneered the first use of a pre-printed form. These forms were printed on 'cheque paper' to prevent fraud, and customers had to attend in person and obtain a numbered form from the cashier. Once written, the cheque was brought back to the bank for settlement.

The suppression of banknotes in eighteenth-century England further promoted the use of cheques. Until about 1770, an informal exchange of cheques took place between London banks. Clerks of each bank visited all the other banks to exchange cheques, whilst keeping a tally of balances between them until they settled with each other.

Daily began around 1770 when the bank clerks met at the Five Bells, a tavern in in the City of London, to exchange all their cheques in one place and settle the balances in cash. This was the first. In America, the Bank of New York, after its establishment by Alexander Hamilton in 1784, began issuing cheques.

The oldest surviving example of a complete American chequebook from the 1790s was discovered by a family in New Jersey. It is thought that the was the first bank to personalize its customers' cheques, in 1811, by printing the name of the account holder vertically along the left-hand edge. In 1830 the introduced books of 50, 100, and 200 forms and counterparts, bound or stitched. These cheque books became a common format for the distribution of cheques to bank customers. In the late 19th century, several countries formalized laws regarding cheques. The UK passed the Bills of Exchange Act in 1882, and India passed the Negotiable Instruments Act (NI Act) 1881; which both covered cheques. An English cheque from 1956 having a bank clerk's red mark verifying the signature, a two-pence stamp duty, and holes punched by hand to cancel it.

This is a 'crossed cheque' disallowing transfer of payment to another account. In 1931 an attempt was made to simplify the international use of cheques by the. Many European and South American states as well as Japan joined the convention. However, countries including the US and members of the did not participate and so it remained very difficult for cheques to be used across country borders.

In 1959 a standard for machine-readable characters () was agreed and patented in the US for use with cheques. This opened the way for the first automated reader/sorting machines for clearing cheques. As automation increased, the following years saw a dramatic change in the way in which cheques were handled and processed. Cheque volumes continued to grow; in the late 20th century, cheques were the most popular non- method for making payments, with billions of them processed each year. Qdi Kinetiz 7e Manual Transmission. Most countries saw cheque volumes peak in the late 1980s or early 1990s, after which electronic payment methods became more popular and the use of cheques declined. In 1969 were introduced in several countries, allowing a retailer to confirm that a cheque would be honoured when used at a.

The drawer would sign the cheque in front of the retailer, who would compare the signature to the signature on the card and then write the cheque-guarantee-card number on the back of the cheque. Such cards were generally phased out and replaced by, starting in the mid-1990s. From the mid-1990s, many countries enacted laws to allow for, in which a physical cheque is converted into electronic form for transmission to the paying bank or clearing-house. This eliminates the cumbersome physical presentation and saves time and processing costs. In 2002, the system was phased out and replaced with domestic clearing systems. Old eurocheques could still be used, but they were now processed by national clearing systems.

At that time, a number of countries took the opportunity to phase out the use of cheques altogether. As of 2010, many countries have either phased out the use of cheques altogether or signalled that they would do so in the future. Parts of a cheque [ ]. This section needs to be updated.

Please update this article to reflect recent events or newly available information. (August 2010) The US still relies heavily on cheques, due to the convenience it affords payers, and due to the absence of a high volume system for low value electronic payments. In the US, an estimated 18.3 billion cheques were paid in 2012, with a value of $25.9 trillion. About 70 billion cheques were written annually in the US by 2001, though around 17 million adult Americans at all. Certain companies whom a person pays with a cheque will turn it into an (ACH) or electronic transaction.

Banks try to save time processing cheques by sending them electronically between banks. Cheque clearing is usually done through an electronic cheque broker, such as, Viewpointe LLC or the Federal Reserve Banks. Copies of the cheques are stored at a bank or the broker, for periods up to 99 years, and this is why some cheque archives have grown to 20. The access to these archives is now worldwide, as most bank programming is now done offshore. Many utilities and most credit cards will also allow customers to pay by providing bank information and having the payee draw payment from the customer's account (). Many people in the US still use paper to pay bills or transfer money which is a unique type of cheque. They have security advantages over mailing cash, and do not require access to a bank account.

Canada's usage of cheques is less than that of the US and is declining rapidly at the urging of the Canadian Banking Association. The Government of Canada claims it is 6.5 times more expensive to mail a cheque than to make a direct deposit. The Canadian Payments Association reported that in 2012, cheque use in Canada accounted for only 40% of total financial transactions. The system, which allows instant fund transfers via or and, is widely used by merchants to the point that few brick and mortar merchants accept cheques. Many merchants accept Interac debit payments but not credit card payments, even though most Interac terminals can support credit card payments. Financial institutions also facilitate transfers between accounts within different institutions with the (EMT) service.

Cheques are still used for government payments, payroll, rent, and utility bill payments, though and online/telephone bill payments are more widely and increasingly used. The Canadian government began phasing out all government cheques from April 2016. [ ] Asia [ ] In many Asian countries cheques were never widely used and generally only used by the wealthy, with being used for the majority of payments. Where cheques were used they have been declining rapidly, by 2009 there was negligible consumer cheque usage in Japan, South Korea and. This declining trend was accelerated by these developed markets advanced financial services infrastructure. Many of the developing countries in Asia have seen an increasing use of systems, 'leap-frogging' the less efficient chequeing system altogether.

India is one of the few countries in Asia that did have significant cheque usage. It had a long tradition of using cheques and passed laws to formalize cheque usage as early as 1881. As of 2009 there was still wide usage of cheques as payment method in trade, and also by individuals when paying other individuals or for paying utility bills.

One of the reasons was that banks usually provided cheques for free to their individual account holders. However, cheques are now rarely accepted at in retail stores where cash and are payment methods of choice. Electronic payment transfer continued to gain popularity in India and like other countries this has caused a subsequent reduction in volumes of cheques issued each year. In 2009 the reported there had been five percent decline in cheque usage compared to the previous year. Oceania [ ] In Australia, following global trends, the use of cheques continues to decline. In 1994 the value of daily cheque transactions was A$25 billion; by 2004 this had dropped to only A$5 billion, almost all of this for B2B transactions. Personal cheque use is practically non-existent thanks to the longstanding use of the system,, Electronic transfers and debit cards.

In New Zealand, payments by cheque have declined since the mid-1990s in favour of electronic payment methods. In 1993, cheques accounted for over half of transactions through the national banking system, with an annual average of 130 cheques per capita. By 2006 cheques lagged well behind () transaction and electronic credits, making up only nine percent of transactions, with an annual average of 41 cheque transaction per capita. Most retail stores no longer accept cheques, and those that do often require government-issued identification or a store-issued 'cheque identification card' before they can be accepted as payment. Variations on regular cheques [ ] In addition to regular cheques, a number of variations were developed to address specific needs or to address issues when using a regular cheque. Cashier's cheques and bank drafts [ ]. Main article: and, also known as bank cheques, banker's cheques or treasurer's cheques, are cheques issued against the funds of a financial institution rather than an individual account holder.

Typically, the term cashier's check is used in the US and banker's draft is used in the UK and most of the Commonwealth. The mechanism differs slightly from country to country but in general the bank issuing the cheque or draft will allocate the funds at the point the cheque is drawn. This provides a guarantee, save for a failure of the bank, that it will be honoured. Cashier's cheques are perceived to be as good as cash but they are still a cheque, a misconception sometimes exploited by scam artists. A lost or stolen cheque can still be stopped like any other cheque, so payment is not completely guaranteed. Certified cheque [ ]. Main article: When a is drawn, the bank operating the account verifies there are currently sufficient funds in the drawer's account to honour the cheque.

Those funds are then set aside in the bank's internal account until the cheque is cashed or returned by the payee. Thus, a certified cheque cannot 'bounce', and its liquidity is similar to cash, absent failure of the bank. The bank indicates this fact by making a notation on the face of the cheque (technically called an acceptance). Payroll cheque [ ]. Main article: Warrants look like cheques and clear through the banking system like cheques, but are not drawn against cleared funds in a. A cheque differs from a warrant in that the warrant is not necessarily payable on demand and may not be negotiable.

They are often issued by government entities such as the military to pay wages or suppliers. In this case they are an instruction to the entity's treasurer department to pay the warrant holder on demand or after a specified maturity date. Travellers cheque [ ]. Main article: A is designed to allow the person signing it to make an unconditional payment to someone else as a result of paying the issuer for that privilege. Traveller's cheques can usually be replaced if lost or stolen, and people often used to use them on vacation instead of cash as many businesses used to accept traveller's cheques as currency.

The use of or has begun to replace the traveller's cheque as the standard for vacation money due to their convenience and additional security for the retailer. This has resulted in many businesses no longer accepting traveller's cheques. Money or postal order [ ]. Main articles: and A cheque sold by a post office, bank or merchant such as a grocery store for payment by a third party for a customer is referred to as a.

These are paid for in advance when the order is drawn and are guaranteed by the institution that issues them and can only be paid to the named third party. This was a common way to send low value payments to third parties, avoiding the risks associated with sending cash via the mail, prior to the advent of electronic payment methods.

Oversized cheques [ ]. Presentation of the $10 million award Oversized cheques are often used in public events such as donating money to charity or giving out prizes such as. The cheques are commonly 18 by 36 inches (46 cm × 91 cm) in size; however, according to the, the largest ever is 12 by 25 metres (39 ft × 82 ft). Until recently, regardless of the size, such cheques could still be redeemed for their cash value as long as they would have the same parts as a normal cheque, although usually the oversized cheque is kept as a souvenir and a normal cheque is provided. Any bank could levy additional charges for clearing an oversized cheque. Most banks need to have the machine-readable information on the bottom of cheques read electronically, so only very limited dimensions can be allowed due to standardized equipment.

Payment vouchers [ ] In the US some programmes such as the, or make vouchers available to their beneficiaries, which are good up to a certain monetary amount for purchase of grocery items deemed eligible under the particular programme. The voucher can be deposited like any other cheque by a participating supermarket or other approved business.

Cheques around the world [ ] Australia [ ] The Cheques Act 1986 is the body of law governing the issuance of cheques and payment orders in Australia. Procedural and practical issues governing the clearance of cheques and payment orders are handled by (APCA). In 1999, banks adopted a system to allow faster clearance of cheques by electronically transmitting information about cheques, this brought clearance times down from five to three days.

Prior to that cheques had to be physically transported to the paying bank before processing began. If it was dishonoured, it was physically returned. All licensed banks in Australia may issue cheques in their own name. Non-banks are not permitted to issue cheques in their own name but may issue, and have drawn on them, payment orders (which functionally are no different from cheques). Canada [ ] In Canada, cheque sizes and types, endorsement requirements and MICR tolerances are overseen.

• Canadian cheques can legally be written in English, French. • A tele-cheque is a paper payment item that resembles a cheque except that it is neither created nor signed by the payer—instead it is created (and may be signed) by a third party on behalf of the payer.

Under CPA Rules these are prohibited in the clearing system effective 1 January 2004. India [ ] The Cheque was introduced in India by the Bank of Hindustan, the first joint stock bank established in 1770. In 1881, the Negotiable Instruments Act (NI Act) was enacted in India, formalizing the usage and characteristics of instruments like the cheque, the bill of exchange and promissory note. The NI Act provided a legal framework for non-cash paper payment instruments in India. In 1938, the Calcutta Clearing Banks' Association, which was the largest bankers' association at that time, adopted clearing house. Until 1 April 2012, cheques in India were valid for a period of six months from the date of their issue, before the issued a notification reducing their validity to three months from the date of issue. Japan [ ] In Japan, cheques are called Kogitte ( ), and are governed.

Bounced cheques are called Fuwatari Kogitte ( 小切手). If an account owner bounces two cheques in six months, the bank will suspend the account for two years.

If the account belongs to a public company, their stock will also be suspended from trading on the stock exchange, which can lead to bankruptcy. New Zealand [ ] Instrument-specific legislation includes the Cheques Act 1960, part of the Bills of Exchange Act 1908, which codifies aspects related to the cheque payment instrument, notably the procedures for the endorsement, presentment and payment of cheques. A 1995 amendment provided for the electronic presentment of cheques and removed the previous requirement to deliver cheques physically to the paying bank, opening the way for and imaging. Truncation allows for the transmission of an electronic image of all or part of the cheque to the paying bank’s branch, instead of the cumbersome physical presentment. This reduced the total cheque clearance time, as well as eliminating the costs of physically moving the cheque. The under supervision of provide the cheque payment services. Once banked, cheques are processed electronically together with other retail payment instruments.

Is often cited case law regarding the banking of cheques tendered as full settlement of disputed accounts. United Kingdom [ ] In the UK all cheques must now conform to ' (C&CCC) Standard 3', the industry standard detailing layout and font, be printed on a specific weight of paper (CBS1), and contain explicitly defined security features. Since 1995, all cheque printers must be members of the Cheque Printer Accreditation Scheme (CPAS). The scheme is managed by the Cheque and Credit Clearing Company and requires that all cheques for use in the British clearing process are produced by accredited printers who have adopted stringent security standards.

The rules concerning crossed cheques are set out in Section 1 of the Cheques Act 1992 and prevent cheques being cashed by or paid into the accounts of third parties. On a crossed cheque the words “account payee only” (or similar) are printed between two parallel vertical lines in the centre of the cheque. This makes the cheque non-transferable and is to avoid cheques being endorsed and paid into an account other than that of the named payee.

Crossing cheques basically ensures that the money is paid into an account of the intended beneficiary of the cheque. Following concerns about the amount of time it took banks to clear cheques, the United Kingdom set up a working group in 2006 to look at the cheque clearing cycle. They produced a report recommending maximum times for the cheque clearing which were introduced in UK from November 2007.

In the report the date the credit appeared on the recipient's account (usually the day of deposit) was designated 'T'. At 'T + 2' (two business days afterwards) the value would count for calculation of credit interest or overdraft interest on the recipient's account. At 'T + 4' clients would be able to withdraw funds on current accounts or at 'T + 6' on savings accounts (though this will often happen earlier, at the bank's discretion). 'T + 6' is the last day that a cheque can bounce without the recipient's permission—this is known as 'certainty of fate'. Before the introduction of this standard (also known as 2-4-6 for current accounts and 2-6-6 for savings accounts), the only way to know the 'fate' of a cheque has been 'Special Presentation', which would normally involve a fee, where the drawee bank contacts the payee bank to see if the payee has that money at that time. 'Special Presentation' needed to be stated at the time of depositing in the cheque.

Cheque volumes peaked in 1990 when four billion cheque payments were made. Of these, 2.5 billion were cleared through the inter-bank clearing managed by the C&CCC, the remaining 1.5 billion being in-house cheques which were either paid into the branch on which they were drawn or processed intra-bank without going through the clearings.

As volumes started to fall, the challenges faced by the clearing banks were then of a different nature: how to benefit from technology improvements in a declining business environment. Although the UK did not adopt the euro as its national currency when other European countries did in 1999, many banks began offering euro denominated accounts with chequebooks, principally to business customers. The cheques can be used to pay for certain goods and services in the UK. The same year, the C&CCC set up the euro cheque clearing system to process euro denominated cheques separately from sterling cheques in Great Britain. The UK from 30 June 2011 withdrew the existing Cheque Guarantee Card Scheme in the UK. This service allowed cheques to be guaranteed at up to a certain value, normally £50 or £100, when signed in front of the retailer with the additional cheque guarantee card.

This was after a long period of decline in their use in favour of. The Payments Council proposed to close the centralized cheque clearing altogether in the UK and had set a target date for this of 31 October 2018. However, on 12 July 2011, the Payments Council announced that after opposition from MPs, charity groups and public opinion, the cheque will remain in use and there would no longer be a reason to seek an alternative paper-initiated payment.

United States [ ] In the United States, cheques are referred to as checks and are governed by Article 3 of the, under the rubric of. • An order check — the most common form in the US — is payable only to the named payee or his or her endorsee, as it usually contains the language 'Pay to the order of (name).'

• A bearer check is payable to anyone who is in of the document: this would be the case if the cheque does not state a payee, or is payable to 'bearer' or to 'cash' or 'to the order of cash', or if the cheque is payable to someone who is not a person or legal entity, for example if the payee line is marked 'Happy Birthday'. • A is a bank cheque given to customers who have run out of cheques or whose cheques are not yet available. It is often left blank — hence sometimes called a 'blank check', though this term has other uses — and is used for purposes of withdrawal. In the US, the terminology for a cheque historically varied with the type of financial institution on which it is drawn. In the case of a it was a negotiable order of withdrawal (compare ); if a it was a share draft. 'Checks' were associated with chartered commercial banks. However, common usage has increasingly conformed to more recent versions of Article 3, where check means any or all of these negotiable instruments.

Certain types of cheques drawn on a government agency, especially payroll cheques, may be called a payroll warrant. At the bottom of each cheque there is the routing / account number in format. The is a nine-digit number in which the first four digits identifies the 's cheque-processing centre.

This is followed by digits 5 through 8, identifying the specific bank served by that cheque-processing centre. Digit 9 is a verification, computed using a complex algorithm of the previous eight digits. • Typically the routing number is followed by a group of eight or nine MICR digits that indicates the particular account number at that bank. The account number is assigned independently by the various banks. • Typically the account number is followed by a group of three or four MICR digits that indicates a particular cheque number from that account. • Directional routing number—also known as the transit number, consists of a denominator mirroring the first four digits of the routing number, and a hyphenated numerator, also known as the ABA number, in which the first part is a city code (1–49), if the account is in one of 49 specific cities, or a state code (50–99) if it is not in one of those specific cities; the second part of the hyphenated numerator mirrors the 5th through 8th digits of the routing number with leading zeros removed.

A draft in the US is any bill of exchange, whether payable on demand or at a later date. If payable on demand it is a ', or if drawn on a financial institution, a cheque. The electronic cheque or was formally adopted in the US in 2004 with the passing of the 'Check Clearing for the 21st Century Act' (or ). This allowed the creation of electronic cheques and translation () of paper cheques into electronic replacements, reducing cost and processing time.

The specification for US cheques is given by ANSI committee X9 Technical Report 2. Turkey [ ] In Turkey, cheques are usually used for commercial transactions only, and using post-dated cheques is legally possible. Cheque fraud [ ]. Main article: Cheques have been a tempting target for criminals to steal money or goods from the drawer, payee or the banks. A number of measures have been introduced to combat fraud over the years. These range from things like writing a cheque so it is difficult to alter after it is drawn, to mechanisms like crossing a cheque so that it can only be paid into another bank's account providing some traceability.

However, the inherent security weaknesses of cheques as a payment method, such as having only the signature as the main method and not knowing if funds will be received until the clearing cycle to complete, have made them vulnerable to a number of different types of fraud. Embezzlement [ ] Taking advantage of the float period () to delay the notice of non-existent funds. This often involves trying to convince a merchant or other recipient, hoping the recipient will not suspect that the cheque will not clear, giving time for the fraudster to disappear. Forgery [ ] Sometimes, forgery is the method of choice in defrauding a bank. One form of forgery involves the use of a victim's legitimate cheques, that have either been stolen and then cashed, or altering a cheque that has been legitimately written to the perpetrator, by adding words or digits to inflate the amount. Identity theft [ ] Since cheques include significant personal information (name, account number, signature and in some countries driver's license number, the address or phone number of the account holder), they can be used for fraud, specifically. The practice was discontinued as identity theft became widespread.

Dishonoured cheques [ ] A dishonoured cheque cannot be redeemed for its value and is worthless; they are also known as an RDI (returned deposit item), or NSF () cheque. Cheques are usually dishonoured because the drawer's account has been frozen or limited, or because there are insufficient funds in the drawer's account when the cheque was redeemed. A cheque drawn on an account with insufficient funds is said to have bounced and may be called a rubber cheque.

Banks will typically charge customers for issuing a dishonoured cheque, and in some jurisdictions such an act is a criminal action. A drawer may also issue a stop on a cheque, instructing the financial institution not to honour a particular cheque. In, they are typically returned marked 'Refer to Drawer'—an instruction to contact the person issuing the cheque for an explanation as to why the cheque was not honoured. This wording was brought in after a bank was successfully sued for after returning a cheque with the phrase 'Insufficient Funds' after making an error—the court ruled that as there were sufficient funds the statement was demonstrably false and damaging to the reputation of the person issuing the cheque. Despite the use of this revised phrase, successful libel lawsuits brought against banks by individuals remained for similar errors.

In Scotland, a cheque acts as an assignment of the amount of money to the payee. As such, if a cheque is dishonoured in Scotland, what funds are present in the bank account are 'attached' and frozen, until either sufficient funds are credited to the account to pay the cheque, the drawer recovers the cheque and hands it into the bank, or the drawer obtains a letter from the payee stating that they have no further interest in the cheque.

A cheque may also be dishonoured because it is stale or not cashed within a 'void after date'. Many cheques have an explicit notice printed on the cheque that it is void after some period of days. In the US, banks are not required by the to honour a stale-dated cheque, which is a cheque presented six months after it is dated. Consumer reporting [ ] In the United States some consumer reporting agencies such as, Early Warning Services, and have been providing that track how people manage their checking accounts.

Banks use the agencies to screen checking account applicants. Those with low debit scores are denied checking accounts because a bank can not afford an account to be overdrawn. In the United Kingdom, in common with other items such as or, dishonoured cheques can be reported on a customer's credit file, although not individually and this does not happen universally amongst all banks. Dishonoured payments from current accounts can be marked in the same manner as missed payments on the customer's credit report. Lock box [ ]. Main article: Typically when customers pay bills with cheques (like gas or water bills), the mail will go to a ' at the post office.

There a bank will pick up all the mail, sort it, open it, take the cheques and out, process it all through electronic machinery, and post the funds to the proper accounts. In modern systems, taking advantage of the, as in the US, many cheques are transformed into electronic objects and the paper is destroyed. See also [ ] • - slip of paper attached to a cheque used to endorse it when there is not enough space. • - cheque where amount has been left blank. • - guaranteed by a bank. • - electronic fund transfer.

• - historic Indian cheque like instrument. • - political concept to distribute goods in exchange for work. • - urban legend where a cow was used as a cheque.

Download Tema Naruto Shipuden Windows 7 Ultimate. • - scanning of cheques and transmitting to the bank electronically. • - explanation of the numbers on cheques • - the act of scanning paper cheques and turning them into electronic payments.

• - a pre-paid cheque that could be used to make payments in stores. Notes [ ] Cheques (in the UK) are a bedrock of small businesses and clubs (sports etc.) who do not have credit card facilities and do not want to deal with amounts of cash. Footnotes [ ]. UK Payment Administration. Archived from on 13 June 2010. Retrieved 30 June 2010.

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