Nzira Yokuverenga Sei Check

01 Chiratidzo Chinokuratidzei?

Kuti udzidze kuti cheketi iri chii, shandisa chifananidzo semutungamiri. Nhamba imwe neimwe yebhuruu inotsanangurwa muchidimbu pasi apa, uye iwe unogona kudhonza pamisoro iri pasi kuti uverenge tsanangudzo yakazara.

Kana uri kungoedza kuinyora cheki, ona shanho redu -nhanho chidzidzo (nemifananidzo yakazara).

1. Ruzivo rwemunhu pachake : iyi ipezidzo pamusoro pemuiti wekutsvaga gwaro. Mari yacho ichabuda mubhuku romunhu uyo ​​(kana bhizinesi 'account, kana chekeri yakabva kune bhizinesi rakafanana nebasa rako kana kambani yveshuwarenzi). Kana iwe uchida kutarisana nemunyori wecherechedzi, uchawana mamwe mazano aripo pano. Dzimwe nguva nhamba yefoni inooneka pano, asi kwete nguva dzose. Zvingaitawo kuti uwane ruzivo rwemunhu huri munharaunda ino (cashier angada nhamba yefoni kana nhamba yeirivha yekutyaira kuti agamuchire cheki).

2. Payee line : izvi zvinokuudza kuti chekete yakanyorerwa kana ndiani achawana mari - netariro iwe ndiwe. Inofanira kusanganisira zita romunhu kana bhizinesi rakagamuchirwa kuisa cheki kana kuti mari. Mune zvimwe zviitiko, cheki yacho inogona kubhadharwa ne "Cash" - zvinoreva kuti zvakanakisisa chero ani zvake anogona kuisa kana kutenga mari yekuongorora.

3. Dhora rebhokisi : ichi ndicho chinyorwa chisingazivikanwi chekuti kutengesa kwakadini. Iko cheko chekuverenga yakanyorwa uchishandisa nhamba (panzvimbo yemashoko, wauchaona mu # 4) kuitira kuti iwe unogona kuona nekuverenga kuti cheki ndechei. Zvisinei, kana chikamu # 4 chiine nhamba yakasiyana, bhangi rinofanira kushandisa mari yakanyorwa mumashoko.

4. Chiyero checheki : ichi ndicho chikamu chepamusoro che cheki. Iyi chikamu, chakanyorwa kuburikidza nemashoko, chinonyanya kudarika bharokisi bhokisi kuratidza izvo munyori wecherechedzi anonyatsoda kubhadhara-saka ndizvo zvaunofambirwa nomutemo kuti uve mutengi. Zvisinei, iwe chete uchagamuchira mari iyo kana cheki yacho yakarurama uye munyori anoongorora ane mari yakakwana inowanikwa. Dzimwe nguva vanhu vanonyora kuongorora kwechokwadi , uye zvinogona kutora nguva kubhengi rako kuti uone kuti iwe wakanga wakanganisa (saka usashandise mari kunze kwekuti une chivimbo chokuti ichave iripo).

5. Memo mhere : iyi inzvimbo yeumwe ruzivo rwekuwedzera iyo mutori wekuchechera anoda kuisa. Icho chinogona kutsanangura kuti chii chiripo ("July Rent") kana kuti inosanganisira mashoko ekutaura seyo nhamba yenyaya.

6. Mutsetse wezuva : izvi zvinofanirwa kukuudza kana cheki yacho yakanyorerwa - uye mumatambudziko akawanda ndizvo zvauchawana - asi vamwe vanhu "post-date" vanoongorora (nokuisa zuva remangwana iri munharaunda iyi). Paunoverenga cheki, zuva iri haritauri iwe kana iwe unobvumirwa kuisa. Zvisinei, kana cheki iri shure kwemazuva, panove pane chikonzero cheiyo, saka icho chinhu chakanaka chekutaurirana nemunyori chekuongorora. Zvakakoshawo kuti uone kuti cheki haisi yakwegura - tarisa chero chinhu chakadai se "Chinoitika shure kwemazuva makumi mapfumbamwe" kana kuti zuva rakabva rava kupfuura mwedzi mitanhatu yapfuura.

7. Chiremba mutsara : izvi zvinoratidza kuti ndiani akasaina cheki. Kana pasina chikwangwani pane cheketi yawakagamuchira, taura nemunyori anoongorora - iwe unogona kunge uine matambudziko akaisa cheki ichi, uye bhenji rako rinogona kukubhadhara mari yepamusoro kana cheko isingagamuchirwi. Mune zvimwe zviitiko (kana uri kuongorora kubhadhara muakaunti yako, somuenzaniso), uchaona cheki dzisina chikwangwani, asi pane zvinosanganisira mharidzo ichiti "Hapana Chiratidzo Chinodiwa." Izvo zvinhu zvinhu zvaunofunga inobvumirwa paIndaneti kana pamusoro pefoni; kana iwe usingayeuki kuvepa mvumo yekubhadhara, taura nebhangi yako pakarepo.

8. Kukurukurirana kwebhangi uye / kana logo: Izvi zvinokuudza kuti ibhengi kana chikwereti mari iyo mari ichauya. Iyo ibhangi apo munyori wekuchecheche ane chinyorwa chekuongorora. Kana iwe uchida kutenga mari yacho uye uwane mari yakazara, iwe unogona kutarisa iyo bhengi (kana kuti bazi rekuno) kuti uite saizvozvo. Iwe unogonawo kuisa cheki kana kuedza kuirima iri kubhangi rako, asi bhangi rako rinogona kungobhadhara chikamu checheki uye nzvimbo inobata pane imwe yose.

9. ABA kuverenga nhamba : iyi i "adresi" inoshandiswa kuwana bhokisi rekuongorora. Kana iwe uri kutumira kushandiswa zvakananga kana kuti ACH zvikwereti , iwe uchada nhamba iyi. Zvisinei, kazhinji hazvibatsiri kuziva mumwe munhu weAABA nhamba. Sei nhamba idzi dzinoita sedzakanaka? Izvo zvakagadzirirwa kuverengwa nekombiyuta (iyo yakadhindwa ne magnetic ink, uye mumakumi emakore adarika, makombiyuta aigona kungoverenga cheki achishandisa matsamba aya nyore nyore kuziva).

10. Kuongorora nhamba yenyaya : iyi ndiyo nhamba yebhuku iyo mari ichauya. Zvakare, zvinogona kuuya zvakakwana kana iwe uri kunyora kuti uwane mari, asi kazhinji hausi chinhu chaunoda kuziva kana iwe wakagamuchira cheki: bhangi rako uye bhenzi rekunyora mabhizimusi richashanda pamwe neAAA nhamba nhamba yebhuku shure kwezviitiko.

11. Tarisai nhamba : izvi zvinoratidza cheketi chaiyo yaunobata. Muzviitiko zvizhinji, nhamba yeAABA nhamba yekambani inofanana pane cheki chega chinyorwa chinoshandiswa nemunyori. Kuti kuderedze kuvhiringidzika, chekiti nhamba inodhindwawo pane cheki imwechete kuti ibatsire kuchengetedza zvinhu zvakananga. Kana ukawana mari yakawanda kubva kune imwechete nyori nyori, zvingava zvinobatsira kutora nhamba yekuongorora mumabhuku ako. Saizvozvowo, chinhu chakanaka chekuita rekodhi yemacheke ose unonyora (kusanganisira nhamba yekuongorora) mune rako rekuregesa cheko . Low check check numbers (zvakadai se1991) zvinoratidza kuti chekuongorora chekuita itsva, saka shandisa kungwarira paunenge uchibvuma izvi.

12. Chikamu chiduku chechibvumirano : ichi chimwe chimiro che "adresi" iyo mabhenji angashandisa pakushandura mari. Izvi kazhinji hachisi chinhu chaunoshandisa.

Mushure wecheki (isina kuratidzwa) : Ani naani anoisa kana kutema cheki achanyanya kuisa (kana kuti " kuvigira ") kumashure kwe cheki. Sezvo cheki yacho ichigadziriswa, mabhangi achapfupisawo ruzivo pamusoro pekucheka, achisiya rekodi yekuti uye kupi uye chekuti cheki yakashandiswa.

02 Zviratidzo zvekubiridzira

Kana uchinetseka nezve cheki, nyatsoongorora zviratidzo zvekubiridzira. Chokutanga, ona kana cheki yacho ine chero kuchengeteka kwakanyorwa pamusana (kana zvisingaiti, uri kuenda kunotanga kutanga). Zvadaro, dzorera imwe neimwe yezvinhu izvi kuti uone kuti varipo. Semuenzaniso, tora girazi rinokudza uye tarisa microprinting .

Macheke akawanda anokodzera akadhindwa pamapuraneti akakwirira nehuchengetedzwa (inki ichashandura ruvara kana kumira kana chero munhu achichinja cheki). Kana cheki yako yakazara nemiganhu yakaita seyakatemwa nekasi kana kuti yakabvaruka pamwe chete nemakumbo, pane chimwe chinhu chokufungira pamusoro.

03 Taurai kana zvichatsva

Zvakaoma kutaurira kana cheki ichaputika kusvikira iwe uiisa uye rega bhangi rako riunganidze mari. Mushure mokudaro, uchaona kana iyo nhoroondo yakanga isina chinhu kana kuti iwe wakatora chevha yakabirwa - asi iyo inogona kutora vhiki dzinoverengeka .

Zvinokwanisika kubvunza bhendi rekuongorora chekunyora kana mari iripo muakaunti usati waisa cheki. Iwe hausi kuzogara uchiwana mhinduro, asi zvakakodzera kuedza. Iwe unogonawo kudana mari mari yevana vanotora kuwana ruzivo rwakadaro.

Kuti uwane ruzivo rwakawanda pamusoro pekuongorora, ona Sei Kuongorora Mari paKutarisa . Nokuda kwehuwandu hwemari, ona Maitiro Ekuti Uone Cheari Mari .

Kana iwe uchibvuma cheki sechikamu chebhizimisi rako, unogonawo kunyora kunhare dzekubhadhara dzinotsvaga mabhuku ezvakaipa uye chekuvhara maakaunti. Iko hunosvitswa chekuvimbisa maitiro anogonawo kuvimbisa kukubhadhara iwe kana chekiti inoputika mushure mekunge mava nechokwadi.