What is the difference between strikethrough, certified or cashier's check? 

Verified 01 August 2022 - Directorate for Legal and Administrative Information (Prime Minister)

Tableau - Differences between check types

Check Type

Definition

Use

Warranty

Cost

Prepaid check

Bank check, not payable at the counter

Cannot be passed on to a third party (it is said non-endorsable, except for the benefit of a bank).

To cash the check, you have to sign it on the back and hand it over to the bank. The account of the issuer must be sufficiently funded for the check to be cashed.

If the issuer's account does not contain the corresponding amount, the check will be nil. The money will not be credited to the recipient's account.

Free

Uncrossed check

Payable at the cash counter.

Can be passed on to a third party (endorsable).

Can be cashed with the bank, which will pay it in cash. May also be transferred to another beneficiary. You must then write on the back of the check:

  • Endorsed to the tracking order of the name and contact information of the new beneficiary
  • and the date of transmission.
  • Requires a prior request to your bank and a tax return

    Tax stamp duty of €1.50

    Covered check

    Check forfeited on which the bank mentions Amount available on the account on such and such a date and time

    Not all banks offer cash checks

    The existence of the provision is guaranteed only for the day and time of its issue

    According to the account agreement

    Certified Check

    Targeted check to which the bank adds the mention blocked reserve for 8 days

    Not all banks offer certified checks

    The amount entered shall be deducted from the account at the time of issue.

    Payment is guaranteed if the check is cashed before the end of the 8 days following the date of issue.

    According to the account agreement

    Bank check

    Check issued by a bank

    Check used for large-value transactions between individuals

    The amount entered shall be deducted from the account at the time of issue.

    It is important to check with the issuing bank that this is a real check before accepting it.

    The provision is blocked for the period of validity of the check, i.e. 1 year and 8 days. Payment is guaranteed if the check is cashed before the end of this period.

    According to the account agreement

    A check that is cleared in advance is a standard bank check, not payable at the counter.

    Use

    You cannot pass it on to a third party (it says non-endorsable, except for the benefit of a bank).

    If you are the payee of the check, you must sign it on the back and hand it over to the bank to cash it.

    If you are the issuer, your account must have sufficient funds to cash the check.

    Warranty

    If you are the payee of the check, you can only cash it if you have a bank account.

    If you are the issuer and your account does not contain the corresponding amount, the check will be nil. The money will not be credited to the recipient's account.

    Cost

    The check is free of charge.

    An uncrossed check is a check payable over the counter in cash.

    Use

    You can transfer it to another (endorsable) beneficiary.

    The following information must then be entered on the back of the check:

    • Mention endorsed on the order of tracking the name and contact details of the new beneficiary
    • Date of transmission

    Warranty

    To receive an uncrossed check, you must apply to your bank. You must report the use of these checks to taxes.

    Cost

    You must pay a tax stamp duty of €1.50 by uncrossed check.

    It is a check with a cut-off mark on which the bank mentions the amount available on the account on such and such a date and time.

    Use

    Not all banks offer cash checks.

    Warranty

    The existence of the sum is guaranteed only for the day and time of its issue.

    Cost

    Its cost varies according to your account agreement.

    It's a certified check, and the bank says it provision blocked for 8 days.

    Use

    Not all banks offer certified checks.

    Warranty

    The amount entered is deducted from your account at the time of issue.

    Payment is guaranteed if the check is cashed before the end of the 8 days following the date of issue.

    Cost

    Its cost varies according to your account agreement.

    This is a check issued, at your request, by your bank.

    Use

    The cashier's check is used for large-value transactions between individuals.

    Warranty

    The amount entered shall be deducted from the account at the time of issue.

    It is important to check with the issuing bank that this is a real check before accepting it.

    The provision is blocked for the period of validity of the check, i.e. 1 year and 8 days. Payment is guaranteed if the check is cashed before the end of this period.

    Cost

    Its cost varies according to your account agreement.

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