What is the difference between strikethrough, certified or cashier's check?
Verified 29 April 2024 - Directorate for Legal and Administrative Information (Prime Minister)
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: | 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 reserve is held 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.
Who can help me?
Find who can answer your questions in your region
For information
Info Service Savings Bank Insurance- Banque de France Individuals
Stamp duty
Check creation and form
Presentation and payment
Checks with Strikethrough
Certified Check
Customer Financial Fragility
National Institute of Consumer Affairs (INC)