How to write a cheque in Ghana

Writing a cheque in Ghana is a relatively easy process and it is important to get it right, as it is a primary way to pay and receive money. Whether you are a business, a consumer, or simply writing a cheque to a friend, there are some essential steps you must follow to make sure your cheque is valid.

Before you can write a cheque, you must have a valid checking account. The account you are withdrawing the cheque from must have enough funds to cover the amount you wish to pay out. Also, get the necessary materials like a pen, paper, and a cheque book. Make sure all of these materials are in good condition before you start.

How to write a cheque in Ghana

  1. Now, let’s start with the date. Write this near the top right-hand corner. In most cases, you will have to use the date you are issuing the cheque which helps you and the recipient keep accurate records.
  2. Next on the line, you will see “Pay to the order of,” write the name of the person or organization you’re paying. Before you can write a cheque, you must have the name of the person or company you are paying.
  3. Write out the amount using figures and words to avoid fraud and confusion. This will be the official amount of your payment. The amount in figures should be the same as the amount in words.
  4. Sign the check on the line in the bottom-right corner. Use the same name and signature on file at your bank. This should also match the signature at the back of your cheque book.
  5. If your cheque has a memo space, you can attach a memo to the cheque, stating the reason for the payment. This is sometimes referred to as a “cheque stub”.

NB: Keep note of all your cheque signings to avoid issuing a double cheque. You will only see a deduction when the cheque has been ushered to the bank and cashed out. It sometimes takes time before it can reflect in your bank account so its necessary to keep note of all cheques you issue to prevent mistakes, scam and double payment.

Things to consider when signing a cheque

  1. Use a pen whenever you write a check. If you use a pencil, anybody with an eraser can change the amount of your check and the name of the payee.
  2. Don’t leave any blank space when signing a cheque. It will make the cheque void. Make sure you have every detail before filling.
  3. If you want a paper record of every check you write, its best get checkbooks with carbon copies. With that, you can quickly identify where your money went and exactly what you wrote on every cheque.
  4. Use one signature. Using the same signature consistently helps you and your bank identify fraud. It will be easier for you to prove that you’re not responsible for charges if a signature doesn’t match.

Can I write cheques to myself?

Yes. You can write a cheque to yourself. Use the same process above, and put your name in the “Pay to the Order of” area.

Should I sign all my cheques?

Do not sign a check until you have filled in the “Pay to the Order of” section, as well as the numeric and written amount. Signing a blank check leaves your bank account exposed if you accidentally lose it or if it is stolen.

Final words

These are the essential steps you must follow to write a cheque in Ghana. Ensure you follow these steps carefully, as mistakes can lead to the cheque not being accepted. You should also make sure you have the correct details of the recipient written down, as this will help to ensure that the money is sent to the correct person.


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