“请在此处签名。”在支票兑现或存储之前,需要接收方进行正确的签名背书。了解如何对支票合理背书是非常必要的银行知识,它可以确保您财产走向的安全性。以下是具体步骤。
步骤
方法 1 的 5:
签名
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1
将你收到的支票翻至背面,你会发现等间距的灰线条。无论你做什么,都只能在这些横线上写字。许多支票会注明“不允许在线条以下书写,标记或签名”,来提醒你遵守这条规则。
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{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/0\/0a\/Endorse-a-Check-Step-2-Version-2.jpg\/v4-460px-Endorse-a-Check-Step-2-Version-2.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/0\/0a\/Endorse-a-Check-Step-2-Version-2.jpg\/v4-728px-Endorse-a-Check-Step-2-Version-2.jpg","smallWidth":460,"smallHeight":306,"bigWidth":728,"bigHeight":485,"licensing":"<div class=\"mw-parser-output\"><\/div>"}
2
在一条灰线上签字。你可以随意签名。对这部分空间你可以进行随意使用,但是你起码必须签名以保证支票得以存储或兑现。
- 要确保签名与支票的受票人姓名保持一致。如果支票上将名字拼错了,那么就根据支票前方的名字来签名,并在下方签上正确姓名。
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3
确保支票前方的所有信息都准确无误。出票人需要在支票上写上你的名字,日期,以及支票金额(包括大写以及小写的形式),并进行签字。没有这些信息,银行是不能办理支票业务的。
- 携带支票前往银行进行兑现或存储。将你收到的支票交给出纳员,要求他们存入你的账户或简单地兑现。
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- 许多银行现在都有自动取款机,你可以自助存储支票。
方法 2 的 5:
背书只供储蓄的支票
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1
将支票翻至背面并像以往一样在第一行背书线上签名。在这里签名你不能太随意,以保证留有足够的空间写上必要的信息。
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{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/2\/23\/Endorse-a-Check-Step-6.jpg\/v4-460px-Endorse-a-Check-Step-6.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/2\/23\/Endorse-a-Check-Step-6.jpg\/v4-728px-Endorse-a-Check-Step-6.jpg","smallWidth":460,"smallHeight":306,"bigWidth":728,"bigHeight":485,"licensing":"<div class=\"mw-parser-output\"><\/div>"}
2
在签名下方写上“仅供储蓄”。这种做法更加安全。如果你遗失了支票或者需要别人为你存入账户,只有你可以使用这笔资金。
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{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/0\/06\/Endorse-a-Check-Step-7.jpg\/v4-460px-Endorse-a-Check-Step-7.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/0\/06\/Endorse-a-Check-Step-7.jpg\/v4-728px-Endorse-a-Check-Step-7.jpg","smallWidth":460,"smallHeight":306,"bigWidth":728,"bigHeight":485,"licensing":"<div class=\"mw-parser-output\"><\/div>"}
3
在下面一行签上银行的名称。这能保障支票只限在该行使用。
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{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/5\/52\/Endorse-a-Check-Step-8.jpg\/v4-460px-Endorse-a-Check-Step-8.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/5\/52\/Endorse-a-Check-Step-8.jpg\/v4-728px-Endorse-a-Check-Step-8.jpg","smallWidth":460,"smallHeight":306,"bigWidth":728,"bigHeight":485,"licensing":"<div class=\"mw-parser-output\"><\/div>"}
4
在第三行写上你的账号。确保账号正确无误。
方法 3 的 5:
背书转账支票
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1
在第一条线上签名。尽量节省空间,你还需要写其他内容。
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2
在第二行上写“凭指示付款”。如果你收到支票并想转给他人,你可以转让支票,这样他们就可以将资产存入他们的账户中。
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{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/d\/df\/Endorse-a-Check-Step-11.jpg\/v4-460px-Endorse-a-Check-Step-11.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/d\/df\/Endorse-a-Check-Step-11.jpg\/v4-728px-Endorse-a-Check-Step-11.jpg","smallWidth":460,"smallHeight":306,"bigWidth":728,"bigHeight":485,"licensing":"<div class=\"mw-parser-output\"><\/div>"}
3
在第三行写上受让人的名字。受让人由你来决定。
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{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/c\/cc\/Endorse-a-Check-Step-12.jpg\/v4-460px-Endorse-a-Check-Step-12.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/c\/cc\/Endorse-a-Check-Step-12.jpg\/v4-728px-Endorse-a-Check-Step-12.jpg","smallWidth":460,"smallHeight":306,"bigWidth":728,"bigHeight":485,"licensing":"<div class=\"mw-parser-output\"><\/div>"}
4
在最后一行请受让人签名。
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{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/b\/b9\/Endorse-a-Check-Step-13.jpg\/v4-460px-Endorse-a-Check-Step-13.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/b\/b9\/Endorse-a-Check-Step-13.jpg\/v4-728px-Endorse-a-Check-Step-13.jpg","smallWidth":460,"smallHeight":306,"bigWidth":728,"bigHeight":485,"licensing":"<div class=\"mw-parser-output\"><\/div>"}
5
如有必要,你需要与另一方前去银行。谨慎的银行会在允许被背书人存储之前请你出面核实。
方法 4 的 5:
背书商业支票
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1
用你的公司的信息给支票做背书。写在背后的灰色线上。
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{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/d\/de\/Endorse-a-Check-Step-15.jpg\/v4-460px-Endorse-a-Check-Step-15.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/d\/de\/Endorse-a-Check-Step-15.jpg\/v4-728px-Endorse-a-Check-Step-15.jpg","smallWidth":460,"smallHeight":306,"bigWidth":728,"bigHeight":485,"licensing":"<div class=\"mw-parser-output\"><\/div>"}
2
在第一条线上,写上你公司的名字。例如,写上“四海硬件”。如果支票是开给你的公司的而不是开给你个人,要写你公司的名字。
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{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/3\/3c\/Endorse-a-Check-Step-16.jpg\/v4-460px-Endorse-a-Check-Step-16.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/3\/3c\/Endorse-a-Check-Step-16.jpg\/v4-728px-Endorse-a-Check-Step-16.jpg","smallWidth":460,"smallHeight":306,"bigWidth":728,"bigHeight":485,"licensing":"<div class=\"mw-parser-output\"><\/div>"}
3
在下一行,写上你的名字和职务。
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{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/2\/26\/Endorse-a-Check-Step-17.jpg\/v4-460px-Endorse-a-Check-Step-17.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/2\/26\/Endorse-a-Check-Step-17.jpg\/v4-728px-Endorse-a-Check-Step-17.jpg","smallWidth":460,"smallHeight":306,"bigWidth":728,"bigHeight":485,"licensing":"<div class=\"mw-parser-output\"><\/div>"}
4
如果需要的话,在下面写上你的银行账户信息并注明“仅供存款”。
方法
5
方法 5 的 5:
保险支票
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1
让利益相关的各方都签名。
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{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/4\/4f\/Endorse-a-Check-Step-19.jpg\/v4-460px-Endorse-a-Check-Step-19.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/4\/4f\/Endorse-a-Check-Step-19.jpg\/v4-728px-Endorse-a-Check-Step-19.jpg","smallWidth":460,"smallHeight":306,"bigWidth":728,"bigHeight":485,"licensing":"<div class=\"mw-parser-output\"><\/div>"}
2
要求这家商业机构的代理人也在支票上签名。他们一般会签名,并盖章。
小提示
- 如果支票上是开给一个未成年人的,需要由监管人背书,并注明自己的父母/监管人身份。
警告
- 安全起见,一定要在支票上写明“仅供存款”,除非你人已经在银行了。有了这一行字,别人不能在你的名字下再做背书,然后提钱了。