{"id":825125,"date":"2019-12-26T20:25:01","date_gmt":"2019-12-27T01:25:01","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=825125"},"modified":"2026-03-02T21:13:31","modified_gmt":"2026-03-03T02:13:31","slug":"how-to-write-a-cheque","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/chequing-accounts\/how-to-write-a-cheque","title":{"rendered":"How to write a cheque in Canada"},"content":{"rendered":"<div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>There are six fields you need to fill out to write a cheque.<\/li>\n          <li>Write the word \u201cVOID\u201d in big letters across the front of a cheque to make it unusable.<\/li>\n          <li>There are several other, safer ways to send money besides writing cheques.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<p>Online money management, mobile banking and <a href=\"https:\/\/www.finder.com\/ca\/digital-banking\/revolut-alternatives\">digital payments<\/a> are normal in the financial world, but there are still situations when you may need to resort to <a href=\"https:\/\/www.finder.com\/ca\/banking\/big-five-banks\">old fashioned<\/a> means of handling money. Enter: cheques. But don\u2019t be intimidated. Cheques are simpler to fill out than they look. Here\u2019s how to write a cheque, how to read a cheque, cheque examples and the answer to the question: What do cheque numbers mean?<\/p><h3 id=\"how\">How to write a cheque: 6 steps<\/h3><p>Writing a cheque is easier than you think. Here\u2019s a step-by-step explanation of how to fill out a cheque.<br><img decoding=\"async\" class=\"aligncenter wp-image-825361\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-blank-cheque_Finder_487x197.jpg\" alt=\"Sample blank Canadian cheque\" width=\"485\" height=\"196\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-blank-cheque_Finder_487x197.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-blank-cheque_Finder_487x197.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-blank-cheque_Finder_487x197.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-blank-cheque_Finder_487x197.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-blank-cheque_Finder_487x197.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-blank-cheque_Finder_487x197.jpg?fit=1455 1455w\" sizes=\"(max-width: 1455px) 100vw, 1455px\" loading=\"lazy\"><\/p><p><b>1. Write the date<\/b> in the top right corner, next to a box or line that says \u201cDate.\u201d Always write the same date as the date that you signed the cheque.<\/p><p><b>2. Write the recipient<\/b> on the line next to \u201cPay to the order of.\u201d If it\u2019s a person, write their first and last name. If it\u2019s a company, make sure you have the company name that\u2019s used for payments, and only using acronyms if asked to. You can also write cash here, and that means anyone can take the cheque to the bank and take the cash from your account.<\/p><p><b>3. Write the amount in numerals.<\/b> Next to the dollar sign ($) write the amount of money you want taken out of your account in numerals. If the amount is less than $1, you still need to write $0. Include the cents you want withdrawn, even if the amount is zero. Do not use the cents sign (\u00a2), and be sure to include two decimals. For example, if you want to write a cheque for fifty cents, you should write $0.50, not $.50, $.5 or 50\u00a2.<\/p><p><b>4. Write the amount in words.<\/b> Although not legally required, you should spell out the dollar amount in words on the line beneath the recipient, including the cents as a fraction like 25\/100 or 89\/100. This helps clarify the amount you want withdrawn.<\/p><p>The fraction is sometimes pre-printed on cheques with a blank numerator, so all you have to do is write the cents in the blank. For amounts less than $1, write <em>zero dollars<\/em> before writing the cents. If the word <em>dollars<\/em> is already printed on the cheque, you don\u2019t have to write it yourself. Otherwise, you should.<\/p><p>It\u2019s a good idea to draw a horizontal line connecting the dollars you wrote (in words) to the cents as this makes it impossible for anyone to use that otherwise blank space to change your dollar amount.<\/p><p><b>5. Sign the cheque.<\/b> In the bottom right corner there is a space for your signature. If you don\u2019t, it won\u2019t be valid.<\/p><p><b>6. Fill out the memo section (optional).<\/b> Here, you can write what the cheque is for like <em>rent payment<\/em>, <em>reimbursement for business expenses<\/em> or <em>security <\/em><em>deposit<\/em>. This part isn\u2019t required, but it can remind the recipient what the purpose of the cheque is for record-keeping purposes.<\/p><p>A fully completed cheque should look something like the one below. Remember the memo field is optional. But make sure you remember to sign the cheque!<\/p><p><img decoding=\"async\" class=\"aligncenter size-full wp-image-825366\" title=\"Image: Getty Images\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-completed-with-black-border_485x192.jpg\" alt=\"Sample of a completed Canadian cheque\" width=\"487\" height=\"194\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-completed-with-black-border_485x192.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-completed-with-black-border_485x192.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-completed-with-black-border_485x192.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-completed-with-black-border_485x192.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-completed-with-black-border_485x192.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-completed-with-black-border_485x192.jpg?fit=1461 1461w\" sizes=\"(max-width: 1461px) 100vw, 1461px\" loading=\"lazy\"><\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Cheque example: How to write a cheque with cents<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p><img decoding=\"async\" class=\"wp-image-856213 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-cents_Supplied1.png\" alt=\"Example cheque with cents\" width=\"486\" height=\"196\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-cents_Supplied1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-cents_Supplied1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-cents_Supplied1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-cents_Supplied1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-cents_Supplied1.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-cents_Supplied1.png?fit=1458 1458w\" sizes=\"(max-width: 1458px) 100vw, 1458px\" loading=\"lazy\"><\/p><p>\u00a0<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Cheque example: How to write a $100 cheque<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p><img decoding=\"async\" class=\"wp-image-856214 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-100-dollars_Supplied.png\" alt=\"Example cheque with 100 dollars\" width=\"486\" height=\"196\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-100-dollars_Supplied.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-100-dollars_Supplied.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-100-dollars_Supplied.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-100-dollars_Supplied.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-100-dollars_Supplied.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-100-dollars_Supplied.png?fit=1458 1458w\" sizes=\"(max-width: 1458px) 100vw, 1458px\" loading=\"lazy\"><\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Cheque example: How to write a $1,000 cheque<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p><img decoding=\"async\" class=\"wp-image-856217 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-1000-dollars_Supplied.png\" alt=\"Example cheque_with 1000 dollars\" width=\"486\" height=\"196\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-1000-dollars_Supplied.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-1000-dollars_Supplied.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-1000-dollars_Supplied.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-1000-dollars_Supplied.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-1000-dollars_Supplied.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque_with-1000-dollars_Supplied.png?fit=1458 1458w\" sizes=\"(max-width: 1458px) 100vw, 1458px\" loading=\"lazy\"><\/p><\/div>\n  <\/div>\n<\/li><\/ul><h4>What to do after you\u2019ve filled out your cheque<\/h4><p>Tear off the cheque and keep a record for yourself. If you\u2019re using an old school carbon-copy cheque book, tear off the top copy of the cheque to give to your recipient. The second, lighter copy is yours to keep.<\/p><p>If your chequebook doesn\u2019t come with carbon copies, make sure you fill out a cheque register with the details of the transaction. Your cheque book may come with a blank register at the front or back of it or may even include stubs attached to each cheque that remain in the book after the cheques are torn out. If this isn\u2019t the case, you can buy a register separately.<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h4 style=\"text-align: center;\">Pro tip<\/h4><p><strong><em>Make sure you write clearly!<\/em><\/strong> Avoid writing in bright or unusual colours\u2014use dark ink, like black or blue, instead. This helps ensure that the information on the cheque is visible even if the writing has begun to fade or the paper has been scanned in as a digital image.<\/p><\/div><\/article><h3>How to void a cheque and how to write a void cheque<\/h3><p>If you wrote the wrong amount on a cheque or are giving someone a cheque just to verify your bank account information, it\u2019s important to make sure that no one can cash the cheque and take money out of your account. This can be done by writing <strong>VOID<\/strong> across the cheque. Be sure to write in clear, large letters, covering all the primary fields of the cheque.<\/p><p><img decoding=\"async\" class=\"aligncenter size-full wp-image-825367\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-void-cheque_Finder_487x194.jpg\" alt=\"Sample of a VOID Canadian cheque\" width=\"487\" height=\"194\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-void-cheque_Finder_487x194.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-void-cheque_Finder_487x194.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-void-cheque_Finder_487x194.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-void-cheque_Finder_487x194.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-void-cheque_Finder_487x194.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-void-cheque_Finder_487x194.jpg?fit=1461 1461w\" sizes=\"(max-width: 1461px) 100vw, 1461px\" loading=\"lazy\"><\/p><h3>How to write a cheque to yourself<\/h3><p>If you want to move money from one account to another, you can write a cheque to yourself by putting your own name in the \u201cPay to the order of\u201d field. Before depositing the cheque, you\u2019ll have to endorse it by putting your signature in the appropriate field on the backside of the cheque.<\/p><h3>What if I make a mistake while writing a cheque?<\/h3><p>Although there\u2019s a possibility that your cheque may be rejected by the bank, most of the time this can be avoided by (1) crossing out the error with a single, horizontal line, (2) writing the correct information above it and (3) initialing the change to indicate your approval.<\/p><p>Some mistakes, like writing out the wrong amount on the line, might be considered more consequential than others, and an initialed correction probably won\u2019t be enough. In such cases, you\u2019re probably better off voiding the cheque and writing a new one.<\/p><p><img decoding=\"async\" class=\"aligncenter size-full wp-image-825370\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-with-corrected-mistake_Finder_487x194.jpg\" alt=\"Sample Canadian cheque with corrected mistake\" width=\"487\" height=\"194\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-with-corrected-mistake_Finder_487x194.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-with-corrected-mistake_Finder_487x194.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-with-corrected-mistake_Finder_487x194.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-with-corrected-mistake_Finder_487x194.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-with-corrected-mistake_Finder_487x194.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-Canadian-cheque-with-corrected-mistake_Finder_487x194.jpg?fit=1461 1461w\" sizes=\"(max-width: 1461px) 100vw, 1461px\" loading=\"lazy\"><\/p><h3>How to write a cheque out to cash<\/h3><p>Cheques are generally safer than cash because only the payee can cash the cheque. But when you write a cheque out to cash, anyone can receive the funds\u2014whether you want them to or not. For this reason, it\u2019s usually not advisable to write a cheque out to cash.<\/p><p>But if you find yourself in a pinch and need to write a cheque out to cash, here\u2019s how you do it:<\/p><ol><li>Fill in <strong>today\u2019s date<\/strong> in the top right corner of the cheque.<\/li><li>Write <strong>Cash<\/strong> in the <strong>Pay To The Order Of<\/strong> section.<\/li><li>Fill in the <strong>dollar amount<\/strong> next to the <strong>$<\/strong> symbol.<\/li><li>Write out the<strong> dollar amount<\/strong> in words on the blank line under the <strong>Pay To The Order Of<\/strong> section.<\/li><li>Add a note in the <strong>Memo<\/strong> section if you want to note why you\u2019re taking out cash.<\/li><li>Write your <strong>signature<\/strong> on the blank line in the bottom right corner of the cheque.<\/li><\/ol><p><img decoding=\"async\" class=\"wp-image-856259 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque-payed-to-cash_with-100-dollars_Supplied1.png\" alt=\"Example cheque payed to cash with 100 dollars\" width=\"486\" height=\"197\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque-payed-to-cash_with-100-dollars_Supplied1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque-payed-to-cash_with-100-dollars_Supplied1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque-payed-to-cash_with-100-dollars_Supplied1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque-payed-to-cash_with-100-dollars_Supplied1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque-payed-to-cash_with-100-dollars_Supplied1.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Example-cheque-payed-to-cash_with-100-dollars_Supplied1.png?fit=1458 1458w\" sizes=\"(max-width: 1458px) 100vw, 1458px\" loading=\"lazy\"><\/p><h4>Safest methods for sending or giving cash<\/h4><ul><li><strong>Interac e-Transfer.<\/strong> A feature commonly included with bank accounts, Interac e-Transfers let you send and receive domestic transfers instantly with just an email address or mobile number. Set up a security question\/answer to further protect funds in transit, or set up auto-deposit to bypass the security question and receive money faster.<\/li><li><strong>Money transfer.<\/strong> Money transfer services like MoneyGram, Western Union, <a href=\"https:\/\/www.finder.com\/ca\/international-money-transfers\/wise\">Wise (TransferWise)<\/a> and <a href=\"https:\/\/www.finder.com\/ca\/international-money-transfers\/xe\">Xe Money Transfers<\/a> focus exclusively on providing convenient ways to transfer money domestically and internationally. These services typically offer stronger exchanges rates and less expensive transfer options than banks.<\/li><li><strong>Certified cheque.<\/strong> Certified cheques are guaranteed by the bank, which means your bank verifies that funds are available in your account, and the cheque won\u2019t bounce. Cheques must be physically mailed or given to your recipient. Some premium bank accounts\u2014like the <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/rbc-chequing\/rbc-vip-banking-account-review\">RBC VIP Banking Account<\/a> and <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/bmo-chequing\/bmo-premium-chequing-account-review\">BMO Premium Plan Chequing Account<\/a>\u2014come with free certified cheques.<\/li><li><strong>Bank draft.<\/strong> Funds are withdrawn from your account when a bank draft is issued, not when it is deposited by your recipient, as with cheques. Like cheques, bank drafts must be physically mailed or given to your recipient.<\/li><li><strong>Money app.<\/strong> With apps like <a href=\"https:\/\/www.finder.com\/ca\/digital-banking\/revolut-alternatives\">Revolut<\/a> and KOHO, you can send money anytime, anywhere via mobile app.<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/banking\/bank-deposit-slips\" style=\"text-decoration:underline; font-size:0.9em;\">Learn how bank depsoit slips work<\/a>\n<\/div>\n<\/article><h3>Compare bank accounts that come with free cheques<\/h3><article class=\"luna-card luna-card--border\">\r\n  <div class=\"luna-card__block\">\r\n    \r\n  \t\r\n  \t\r\n    \r\n    \r\n    <div class=\"u-grid u-grid--alignTop\">\r\n      <div class=\"u-grid__col u-1\/4@m \" style=\"padding-bottom: 0px;\" data-product-id=\"774b360d-ff49-4a04-bc81-d41f30f38cfb\" data-product-name=\"RBC VIP Banking Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"RBC\" data-rewards-campaign-name=\"\">\r\n        <center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5f8091e3f0d60.jpg\" class=\"lazy-load\" alt=\"RBC VIP Banking Account\" src=\"https:\/\/www.finder.com\/niche-builder\/5f8091e3f0d60.jpg\" style=\"width: 100%; max-width: 200px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f8091e3f0d60.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f8091e3f0d60.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f8091e3f0d60.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/center>\r\n        <div class=\"has-padding-xsmall\"><\/div>\r\n\r\n        \r\n        <center>\r\n          <div class=\"detail-info 774b360d-ff49-4a04-bc81-d41f30f38cfb\" style=\"cursor: pointer; z-index: 1;position: relative; margin-bottom: 1rem; display: inline-flex;\">\r\n            \r\n\r\n            \r\n            \r\n            \r\n            <a class=\"scoreCombined score__container finder-score\">\r\n              <span class=\"score__badge score__badge--great\">\r\n                <span class=\"score__value\">7.7<\/span>\r\n              <\/span>\r\n              <span class=\"score__text-wrapper score__text score__text--great\">\r\n                Great\r\n              <\/span>\r\n            <\/a>\r\n            \r\n          <\/div>\r\n        <\/center>\r\n\r\n\r\n        \r\n        <a class=\"luna-button luna-button--action luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/rbc-chequing\/rbc-vip-banking-account-review\" role=\"button\">Read review<\/a>\r\n      <\/div>\r\n      <div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n        <div class=\"\u201chas-padding-xsmall\u201d\"><\/div>\r\n        <h4 id=\"774b360d-ff49-4a04-bc81-d41f30f38cfb\" class=\"luna-card__title\" style=\"padding-bottom: 10px; font-size: 20px;\"><b>RBC VIP Banking Account<\/b><\/h4>\r\n\r\n        \r\n        <div class=\"u-grid u-grid--alignMiddle\">\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\"><b>Get a new Apple Watch<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"Get a new Apple Watch. Plus, get Apple Music and Apple Fitness+ at no cost for 3 months with your new Apple Watch. T&amp;Cs apply. &lt;b&gt;Valid until June 1, 2026.&lt;\/b&gt;\" title=\"\" data-original-title=\"More info\">\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Bonus\r\n              Offer<\/span>\r\n\r\n          <\/span><\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">$30\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Monthly\r\n              Account Fee<\/span>\r\n\r\n          <\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">unlimited\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Free\r\n              Transactions<\/span>\r\n\r\n          <\/div>\r\n        <\/div>\r\n\r\n        \r\n\r\n        <div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n          <ul class=\"luna-tabs__list\">\r\n            <li class=\"active luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname0-774b360d-ff49-4a04-bc81-d41f30f38cfb-1\" data-toggle=\"tab\">Info<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname1-774b360d-ff49-4a04-bc81-d41f30f38cfb-1\" data-toggle=\"tab\">Pros + Cons<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname2-774b360d-ff49-4a04-bc81-d41f30f38cfb-1\" data-toggle=\"tab\">More Details<\/a><\/li>\r\n          <\/ul>\r\n\r\n          <div class=\"tab-content\">\r\n            \r\n            <div class=\"tab-pane active\" id=\"pb-tabname0-774b360d-ff49-4a04-bc81-d41f30f38cfb-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                \r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                Besides offering free personal cheques, the RBC VIP Banking Account offers unlimited global transactions and ATM withdrawals, 12 free bank drafts a year, a complimentary safe deposit box and an RBC premium credit card fee waiver. Plus, you can earn valuable Avion points with every debit card purchase.\r\n              <\/div>\r\n            <\/div>\r\n\r\n            \r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname1-774b360d-ff49-4a04-bc81-d41f30f38cfb-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                <div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-1\">\r\n                      \r\n                      <li>Earn Avion points with debit card purchases<\/li>\r\n                      \r\n                      <li>Save up to $120 per year when you sign up for a premium RBC credit card<\/li>\r\n                      \r\n                      <li>Unlimited debit transactions worldwide<\/li>\r\n                      \r\n                      <li>Free Interac e-Transfers<\/li>\r\n                      \r\n                      <li>Earn Avion points<\/li>\r\n                      \r\n                      <li>Special rebates<\/li>\r\n                      \r\n                      <li>Overdraft protection<\/li>\r\n                      \r\n                      <li>Free use of a safety deposit box<\/li>\r\n                      \r\n                      <li>Free bank drafts<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-12\">\r\n                      \r\n                      <li>Monthly fee<\/li>\r\n                      \r\n                      <li>Caps on certain perks<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n            <\/div>\r\n            \r\n\r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname2-774b360d-ff49-4a04-bc81-d41f30f38cfb-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n                \r\n <table class=\"luna-table\" style=\"border: 0px;\">\r\n  <tbody class=\"luna-table__body\">\r\n    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Monthly Account Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$30<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n        \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Free Transactions<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">unlimited<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n        \r\n            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Interac e-Transfer Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n            \r\n                \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">In-Network ATM Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                \r\n                \r\n                    \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Bonus Offer<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\"><b>Get a new Apple Watch<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"Get a new Apple Watch. Plus, get Apple Music and Apple Fitness+ at no cost for 3 months with your new Apple Watch. T&amp;Cs apply. &lt;b&gt;Valid until June 1, 2026.&lt;\/b&gt;\" title=\"\" data-original-title=\"More info\">\r\n               <\/span>\r\n      <\/span><\/td>\r\n  <\/tr>\r\n  <\/tbody>\r\n<\/table>               \r\n                \r\n    <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/article>\r\n\r\n\r\n\r\n\r\n<style>\r\n  .no-cta-button {\r\n    font-weight: bold;\r\n    font-size: 18px;\r\n    color: #00ba9c;\r\n    text-decoration: underline;\r\n    text-align: center;\r\n    margin-top: 0 !important;\r\n    width: 100%;\r\n  }\r\n\r\n  .no-cta-button:hover {\r\n    color: #4dceb9;\r\n  }\r\n<\/style>\r\n\r\n<style>\r\n  .scoreCombined.finder-score::before {\r\n    display: none;\r\n  }\r\n\r\n  .score__container {\r\n    display: flex;\r\n    width: 100%;\r\n    flex-direction: column;\r\n    flex-flow: nowrap;\r\n    font-size: 18px;\r\n  }\r\n\r\n  .score__badge {\r\n    border-radius: 100px 16px 100px 100px;\r\n    border: none;\r\n    display: flex;\r\n    justify-content: center;\r\n    align-items: center;\r\n    height: 2.2rem;\r\n    width: 2.2rem;\r\n    background-image: linear-gradient(45deg,\r\n        transparent 25%,\r\n        rgba(255, 255, 255, 0.2) 50%,\r\n        transparent 75%,\r\n        transparent 100%);\r\n    background-size: 250% 250%, 100% 100%;\r\n    background-position: -100% 0, 0 0;\r\n    background-repeat: no-repeat;\r\n  }\r\n\r\n  .score__badge--excellent {\r\n    background-color: rgb(25, 105, 232);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(25, 105, 232) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--great {\r\n    background-color: rgb(0, 120, 40);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(0, 120, 40) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--standard {\r\n    background-color: rgb(231, 185, 11);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(231, 185, 11) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--basic {\r\n    background-color: rgb(240, 88, 0);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(240, 88, 0) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge:hover {\r\n    animation: shine-effect 1.5s ease;\r\n  }\r\n\r\n  @keyframes shine-effect {\r\n    0% {\r\n      background-position: -100% 0, 0 0;\r\n    }\r\n\r\n    100% {\r\n      background-position: 200% 0, 0 0;\r\n    }\r\n  }\r\n\r\n  .score__value {\r\n    color: white;\r\n    font-weight: 700;\r\n  }\r\n\r\n  .score__text-wrapper-cards {\r\n    border: none;\r\n    align-items: center;\r\n    display: flex;\r\n    background-color: rgb(240 247 255);\r\n    padding: 0.25rem 0 0.25rem 0.875rem;\r\n    border-radius: 0 999px 999px 0;\r\n    margin-left: -0.375rem;\r\n    top: -4px;\r\n    width: 100%;\r\n    width: auto;\r\n    padding-right: 15px !important;\r\n  }\r\n\r\n  .score__text {\r\n    font-weight: 500;\r\n    font-size: 16px;\r\n    white-space: nowrap;\r\n  }\r\n\r\n  .scoreCombined {\r\n    text-decoration: none;\r\n  }\r\n\r\n  a.scoreCombined,\r\n  a.scoreCombined:hover {\r\n    text-decoration: none;\r\n  }\r\n\r\n  .score__text--excellent {\r\n    background-color: rgb(240 247 255);\r\n    color: rgb(18 85 208);\r\n  }\r\n\r\n  .score__text--great {\r\n    background-color: rgb(240 251 246);\r\n    color: rgb(0 120 40);\r\n  }\r\n\r\n  .score__text--standard {\r\n    background-color: rgb(255 251 227);\r\n    color: rgb(161 98 7);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  .score__text--basic {\r\n    background-color: rgb(255, 234, 227);\r\n    color: rgb(240, 88, 0);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  table div[class*=\"methodology-partial\"] {\r\n    display: none;\r\n  }\r\n<\/style>\r\n<style>\r\n  .deals--container {\r\n    display: flex;\r\n    flex-direction: column;\r\n    text-align: left;\r\n    padding: 0px 0px 8px 0px;\r\n  }\r\n  \r\n  .deals--rewards-container{\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .deals--rewards {\r\n    background-color: #0a41ee;\r\n    border-radius: 12px;\r\n    padding: 12px;\r\n    color: white;\r\n    margin: 0 10px;\r\n    box-sizing: border-box;\r\n    p {\r\n          margin: 0;\r\n        }\r\n  }\r\n\r\n  .deals--rewards-tag {\r\n    display: inline-block;\r\n    background-color: white;\r\n    color: #1d53ff;\r\n    border-radius: 999px;\r\n    font-weight: 900;\r\n    font-size: 12px;\r\n    text-transform: uppercase;\r\n    margin-bottom: 8px;\r\n    box-sizing: border-box;\r\n    vertical-align: middle;\r\n    line-height: 1;\r\n    padding: 3px 8px 1px 8px;\r\n  }\r\n\r\n  .deals--rewards a:hover { color: unset; }\r\n  \r\n  .deals--rewards span {\r\n    font-size: 14px !important;\r\n    font-weight: 400;\r\n    line-height: 1.5;\r\n    color: white;\r\n    display: block;\r\n  }\r\n\r\n  .deals--rewards span b {\r\n    font-size: 14px !important;\r\n    font-weight: 800;\r\n    display: block;\r\n    line-height: 1.2;\r\n    margin-bottom: 4px;\r\n  }\r\n\r\n  .deals--rewards-terms {\r\n    font-size: 14px;\r\n    color: #232320;\r\n    margin-left: 10px;\r\n    margin-right: 10px;\r\n    margin-top: -2px;\r\n    font-weight: 400;\r\n    text-decoration: underline;\r\n    font-variant-numeric: lining-nums tabular-nums;\r\n  }\r\n<\/style><article class=\"luna-card luna-card--border\">\r\n  <div class=\"luna-card__block\">\r\n    \r\n  \t\r\n  \t\r\n    \r\n    \r\n    <div class=\"u-grid u-grid--alignTop\">\r\n      <div class=\"u-grid__col u-1\/4@m \" style=\"padding-bottom: 0px;\" data-product-id=\"cf80f7f7-8171-41fa-a940-6ef22d70c74f\" data-product-name=\"BMO Premium Plan Chequing Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"\">\r\n        <center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png\" class=\"lazy-load\" alt=\"BMO Premium Plan Chequing Account\" src=\"https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png\" style=\"width: 100%; max-width: 200px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/61a073898f68c.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/center>\r\n        <div class=\"has-padding-xsmall\"><\/div>\r\n\r\n        \r\n        <center>\r\n          <div class=\"detail-info cf80f7f7-8171-41fa-a940-6ef22d70c74f\" style=\"cursor: pointer; z-index: 1;position: relative; margin-bottom: 1rem; display: inline-flex;\">\r\n            \r\n\r\n            \r\n            \r\n            \r\n            <a class=\"scoreCombined score__container finder-score\">\r\n              <span class=\"score__badge score__badge--great\">\r\n                <span class=\"score__value\">8.7<\/span>\r\n              <\/span>\r\n              <span class=\"score__text-wrapper score__text score__text--great\">\r\n                Great\r\n              <\/span>\r\n            <\/a>\r\n            \r\n          <\/div>\r\n        <\/center>\r\n\r\n\r\n        <a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall rewards--cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/bmo-premium-chequing-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22cf80f7f7-8171-41fa-a940-6ef22d70c74f%22%2C%22product_name%22%3A%22BMO%2BPremium%2BPlan%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2222439%22%2C%22decorator%22%3A%22CAFSA-CHQ.PRODUCT.MISC_PRODUCT_DISPLAY_V2%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22825125%22%2C%22post_path%22%3A%22chequing-accounts%252Fhow-to-write-a-cheque%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\" type=\"button\">Go to site<\/a>\r\n        <a class=\"luna-button luna-button--action luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/bmo-chequing\/bmo-premium-chequing-account-review\" role=\"button\">Read review<\/a>\r\n      <\/div>\r\n      <div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n        <div class=\"\u201chas-padding-xsmall\u201d\"><\/div>\r\n        <h4 id=\"cf80f7f7-8171-41fa-a940-6ef22d70c74f\" class=\"luna-card__title\" style=\"padding-bottom: 10px; font-size: 20px;\"><b>BMO Premium Plan Chequing Account<\/b><\/h4>\r\n\r\n        \r\n        <div class=\"u-grid u-grid--alignMiddle\">\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\"><b>Earn up to $800<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $800&lt;\/b&gt; &lt;br \/&gt;&lt;br \/&gt;Earn $500 when you open and fund a new BMO Premium Plan Chequing Account by June 1, 2026 and complete two qualifying tasks by July 31, 2026. &lt;br \/&gt;&lt;br \/&gt;Earn $100 when you set up a recurring direct deposit of $500 or more by July 31, 2026 and maintain if for one year. &lt;br \/&gt;&lt;br \/&gt;Plus, get a Walmart Delivery Pass subscription for up to 12 months* when you open a new Savings Amplifier Account by June 1, 2026, and sign up for or update your existing Walmart Delivery Pass by July 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee. &lt;br \/&gt;&lt;br \/&gt;Earn $150* when you deposit a total of $10,000 or more in to your Savings Amplifier Account and maintain a daily closing balance of $10,000 or more within 30 days of opening and maintain that balance for 3 months. &lt;br \/&gt;&lt;br \/&gt;Earn $50* when you create one goal and apply one strategy in My Financial Progress Plan by July 31, 2026. &lt;br \/&gt;&lt;br \/&gt;*Terms apply.\" title=\"\" data-original-title=\"More info\">\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Bonus\r\n              Offer<\/span>\r\n\r\n          <\/span><\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">$30.95\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Monthly\r\n              Account Fee<\/span>\r\n\r\n          <\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">unlimited\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Free\r\n              Transactions<\/span>\r\n\r\n          <\/div>\r\n        <\/div>\r\n\r\n        \r\n\r\n        <div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n          <ul class=\"luna-tabs__list\">\r\n            <li class=\"active luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname0-cf80f7f7-8171-41fa-a940-6ef22d70c74f-1\" data-toggle=\"tab\">Info<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname1-cf80f7f7-8171-41fa-a940-6ef22d70c74f-1\" data-toggle=\"tab\">Pros + Cons<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname2-cf80f7f7-8171-41fa-a940-6ef22d70c74f-1\" data-toggle=\"tab\">More Details<\/a><\/li>\r\n          <\/ul>\r\n\r\n          <div class=\"tab-content\">\r\n            \r\n            <div class=\"tab-pane active\" id=\"pb-tabname0-cf80f7f7-8171-41fa-a940-6ef22d70c74f-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                \r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                Enjoy free cheques, unlimited transactions, unlimited e-Transfers and complimentary OnGuard Identity Theft Protection. Get up to $150 rebate on the annual fee for an eligible BMO credit card <b>Earn up to $800.<\/b> Earn up to an $800 cash bonus with the BMO Premium Plan Chequing Account. Plus, get a Walmart Delivery Pass subscription for up to 12 months. <b>Valid until June 1, 2026.<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $800.&lt;\/b&gt; Earn $500 when you open and fund a new BMO Premium Plan Chequing Account by June 1, 2026 and complete two qualifying tasks by July 31, 2026. Earn $100 when you set up a recurring direct deposit of $500 or more by July 31, 2026 and maintain if for one year. Plus, get a Walmart Delivery Pass subscription for up to 12 months* when you open a new Savings Amplifier Account by June 1, 2026, and sign up for or update your existing Walmart Delivery Pass by July 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee. Earn $150* when you deposit a total of $10,000 or more in to your Savings Amplifier Account and maintain a daily closing balance of $10,000 or more within 30 days of opening and maintain that balance for 3 months. Earn $50* when you create one goal and apply one strategy in My Financial Progress Plan by July 31, 2026. *Terms apply.\" title=\"\" data-original-title=\"More info\">\r\n              <\/span><\/div>\r\n            <\/div>\r\n\r\n            \r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname1-cf80f7f7-8171-41fa-a940-6ef22d70c74f-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                <div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-1\">\r\n                      \r\n                      <li>Unlimited monthly transactions<\/li>\r\n                      \r\n                      <li>Interac e-Transfers<\/li>\r\n                      \r\n                      <li>$150 BMO credit card fee rebate<\/li>\r\n                      \r\n                      <li>$0 monthly overdraft fee<\/li>\r\n                      \r\n                      <li>$12 safety deposit box annual fee discount<\/li>\r\n                      \r\n                      <li>No-fee Global Money Transfers<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-12\">\r\n                      \r\n                      <li>High monthly fee<\/li>\r\n                      \r\n                      <li>You won't earn any interest on the money in your account.<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n            <\/div>\r\n            \r\n\r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname2-cf80f7f7-8171-41fa-a940-6ef22d70c74f-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n                \r\n <table class=\"luna-table\" style=\"border: 0px;\">\r\n  <tbody class=\"luna-table__body\">\r\n    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Monthly Account Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$30.95<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n        \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Free Transactions<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">unlimited<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n        \r\n            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Interac e-Transfer Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n            \r\n                \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">In-Network ATM Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                \r\n                \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Foreign Transaction Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">2.5%<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                        \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">CDIC Deposit Insurance<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$100,000<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Bonus Offer<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\"><b>Earn up to $800<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to $800&lt;\/b&gt; &lt;br \/&gt;&lt;br \/&gt;Earn $500 when you open and fund a new BMO Premium Plan Chequing Account by June 1, 2026 and complete two qualifying tasks by July 31, 2026. &lt;br \/&gt;&lt;br \/&gt;Earn $100 when you set up a recurring direct deposit of $500 or more by July 31, 2026 and maintain if for one year. &lt;br \/&gt;&lt;br \/&gt;Plus, get a Walmart Delivery Pass subscription for up to 12 months* when you open a new Savings Amplifier Account by June 1, 2026, and sign up for or update your existing Walmart Delivery Pass by July 31, 2026 by selecting Debit Mastercard as the payment option for the monthly transaction fee. &lt;br \/&gt;&lt;br \/&gt;Earn $150* when you deposit a total of $10,000 or more in to your Savings Amplifier Account and maintain a daily closing balance of $10,000 or more within 30 days of opening and maintain that balance for 3 months. &lt;br \/&gt;&lt;br \/&gt;Earn $50* when you create one goal and apply one strategy in My Financial Progress Plan by July 31, 2026. &lt;br \/&gt;&lt;br \/&gt;*Terms apply.\" title=\"\" data-original-title=\"More info\">\r\n               <\/span>\r\n      <\/span><\/td>\r\n  <\/tr>\r\n  <\/tbody>\r\n<\/table>               \r\n                \r\n    <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/article>\r\n\r\n\r\n\r\n\r\n<style>\r\n  .no-cta-button {\r\n    font-weight: bold;\r\n    font-size: 18px;\r\n    color: #00ba9c;\r\n    text-decoration: underline;\r\n    text-align: center;\r\n    margin-top: 0 !important;\r\n    width: 100%;\r\n  }\r\n\r\n  .no-cta-button:hover {\r\n    color: #4dceb9;\r\n  }\r\n<\/style>\r\n\r\n<style>\r\n  .scoreCombined.finder-score::before {\r\n    display: none;\r\n  }\r\n\r\n  .score__container {\r\n    display: flex;\r\n    width: 100%;\r\n    flex-direction: column;\r\n    flex-flow: nowrap;\r\n    font-size: 18px;\r\n  }\r\n\r\n  .score__badge {\r\n    border-radius: 100px 16px 100px 100px;\r\n    border: none;\r\n    display: flex;\r\n    justify-content: center;\r\n    align-items: center;\r\n    height: 2.2rem;\r\n    width: 2.2rem;\r\n    background-image: linear-gradient(45deg,\r\n        transparent 25%,\r\n        rgba(255, 255, 255, 0.2) 50%,\r\n        transparent 75%,\r\n        transparent 100%);\r\n    background-size: 250% 250%, 100% 100%;\r\n    background-position: -100% 0, 0 0;\r\n    background-repeat: no-repeat;\r\n  }\r\n\r\n  .score__badge--excellent {\r\n    background-color: rgb(25, 105, 232);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(25, 105, 232) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--great {\r\n    background-color: rgb(0, 120, 40);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(0, 120, 40) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--standard {\r\n    background-color: rgb(231, 185, 11);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(231, 185, 11) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--basic {\r\n    background-color: rgb(240, 88, 0);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(240, 88, 0) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge:hover {\r\n    animation: shine-effect 1.5s ease;\r\n  }\r\n\r\n  @keyframes shine-effect {\r\n    0% {\r\n      background-position: -100% 0, 0 0;\r\n    }\r\n\r\n    100% {\r\n      background-position: 200% 0, 0 0;\r\n    }\r\n  }\r\n\r\n  .score__value {\r\n    color: white;\r\n    font-weight: 700;\r\n  }\r\n\r\n  .score__text-wrapper-cards {\r\n    border: none;\r\n    align-items: center;\r\n    display: flex;\r\n    background-color: rgb(240 247 255);\r\n    padding: 0.25rem 0 0.25rem 0.875rem;\r\n    border-radius: 0 999px 999px 0;\r\n    margin-left: -0.375rem;\r\n    top: -4px;\r\n    width: 100%;\r\n    width: auto;\r\n    padding-right: 15px !important;\r\n  }\r\n\r\n  .score__text {\r\n    font-weight: 500;\r\n    font-size: 16px;\r\n    white-space: nowrap;\r\n  }\r\n\r\n  .scoreCombined {\r\n    text-decoration: none;\r\n  }\r\n\r\n  a.scoreCombined,\r\n  a.scoreCombined:hover {\r\n    text-decoration: none;\r\n  }\r\n\r\n  .score__text--excellent {\r\n    background-color: rgb(240 247 255);\r\n    color: rgb(18 85 208);\r\n  }\r\n\r\n  .score__text--great {\r\n    background-color: rgb(240 251 246);\r\n    color: rgb(0 120 40);\r\n  }\r\n\r\n  .score__text--standard {\r\n    background-color: rgb(255 251 227);\r\n    color: rgb(161 98 7);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  .score__text--basic {\r\n    background-color: rgb(255, 234, 227);\r\n    color: rgb(240, 88, 0);\r\n    padding-right: 0px;\r\n  }\r\n\r\n  table div[class*=\"methodology-partial\"] {\r\n    display: none;\r\n  }\r\n<\/style>\r\n<style>\r\n  .deals--container {\r\n    display: flex;\r\n    flex-direction: column;\r\n    text-align: left;\r\n    padding: 0px 0px 8px 0px;\r\n  }\r\n  \r\n  .deals--rewards-container{\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .deals--rewards {\r\n    background-color: #0a41ee;\r\n    border-radius: 12px;\r\n    padding: 12px;\r\n    color: white;\r\n    margin: 0 10px;\r\n    box-sizing: border-box;\r\n    p {\r\n          margin: 0;\r\n        }\r\n  }\r\n\r\n  .deals--rewards-tag {\r\n    display: inline-block;\r\n    background-color: white;\r\n    color: #1d53ff;\r\n    border-radius: 999px;\r\n    font-weight: 900;\r\n    font-size: 12px;\r\n    text-transform: uppercase;\r\n    margin-bottom: 8px;\r\n    box-sizing: border-box;\r\n    vertical-align: middle;\r\n    line-height: 1;\r\n    padding: 3px 8px 1px 8px;\r\n  }\r\n\r\n  .deals--rewards a:hover { color: unset; }\r\n  \r\n  .deals--rewards span {\r\n    font-size: 14px !important;\r\n    font-weight: 400;\r\n    line-height: 1.5;\r\n    color: white;\r\n    display: block;\r\n  }\r\n\r\n  .deals--rewards span b {\r\n    font-size: 14px !important;\r\n    font-weight: 800;\r\n    display: block;\r\n    line-height: 1.2;\r\n    margin-bottom: 4px;\r\n  }\r\n\r\n  .deals--rewards-terms {\r\n    font-size: 14px;\r\n    color: #232320;\r\n    margin-left: 10px;\r\n    margin-right: 10px;\r\n    margin-top: -2px;\r\n    font-weight: 400;\r\n    text-decoration: underline;\r\n    font-variant-numeric: lining-nums tabular-nums;\r\n  }\r\n<\/style><h3>Tips for keeping your cheques secure<\/h3><p>Generally, electronic payments are considered more secure than cheques. But in the situations where you have to use a cheque, you can follow these simple guidelines to help ensure your money stays secure:<\/p><ul class=\"list-3\"><li><b>Write in pen. <\/b>Using pencil allows anyone to change the amount or payee on the cheque.<\/li><li><strong>Regularly review your account balance<\/strong> to make sure no money was withdrawn from your account without your knowledge.<\/li><li><strong>Don\u2019t sign a cheque until you have completely filled it in.<\/strong> If someone gets their hands on a blank cheque, they have unlimited access to your account. If you aren\u2019t sure of the payee or amount, simply bring a pen with you.<\/li><li><strong>Draw a line through any unused spaces<\/strong> on the cheque to make sure somebody else can\u2019t add or alter the information there.<\/li><li><strong>Try to keep your signature consistent.<\/strong> That way, it will be easier to identify inconsistencies in forged signatures.<\/li><li><strong>Try to avoid writing cheques payed to cash,<\/strong> because anybody can cash them.<\/li><li><strong>Shred any cheques that are no longer usable,<\/strong> like cheques from an old account.<\/li><\/ul><div class=\"has-padding-xsmall\"><\/div><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h4>Looking for a quicker, safer way to move money?<\/h4><p>With the advent of digital banking, it\u2019s easy to make online payments and avoid the process of writing a cheque altogether. This is an easy, quick and paperless way to pay bills and transfer funds. In fact, about 88% of Canadians bank online. You can use our guide to <a href=\"https:\/\/www.finder.com\/ca\/digital-banking\">digital banking<\/a> to find the best online bank account provider for your needs.<\/p><\/div><\/article><h3>What do cheque numbers mean? Here\u2019s how to read a cheque<\/h3><p><img decoding=\"async\" class=\"aligncenter size-full wp-image-825389\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-of-a-Canadian-cheque-what-the-numbers-mean_Finder_586x303.jpg\" alt=\"Sample Canadian cheque showing what cheque numbers mean\" width=\"586\" height=\"303\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-of-a-Canadian-cheque-what-the-numbers-mean_Finder_586x303.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-of-a-Canadian-cheque-what-the-numbers-mean_Finder_586x303.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-of-a-Canadian-cheque-what-the-numbers-mean_Finder_586x303.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-of-a-Canadian-cheque-what-the-numbers-mean_Finder_586x303.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-of-a-Canadian-cheque-what-the-numbers-mean_Finder_586x303.jpg?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Sample-of-a-Canadian-cheque-what-the-numbers-mean_Finder_586x303.jpg?fit=1758 1758w\" sizes=\"(max-width: 1758px) 100vw, 1758px\" loading=\"lazy\"><\/p><p>The numbers on a cheque are like a roadmap to your account. These cheque numbers allows the recipient to \u201cfind\u201d your money and withdraw the amount specified on the cheque. Technically, though, all the recipient does is deposit the cheque at his or her bank\u2014the rest is done electronically through Canada\u2019s clearinghouse and settlement systems. Here are the parts of a cheque in Canada.<\/p><h4>Cheque number<\/h4><p>This number reflects the sequence of cheques in your cheque book. The first cheque will be 001, the second will be 002 etc.<\/p><h4>Transit number (branch number)<\/h4><p>What is a transit number? The cheque transit number is used to identify your bank branch, or the specific location where you opened the account. Online banks that don\u2019t have any physical branches may provide all their customers with the same bank transit number to avoid confusion.<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h5>Do Canadian banks use routing numbers?<\/h5><p>No. A routing number is a nine-digit bank code used in the US to identify a specific branch. US bank routing numbers are similar to transit numbers used by Canadian banks. However, bank routing numbers are not the same as bank transit numbers and cannot be used interchangeably. That means if you are looking to find a routing number for a specific bank, such as RBC or TD, you will not find one, unless the bank account is held at an American RBC bank or an American TD bank. If you\u2019re curious about how to find a routing number, just look at a US cheque or go online to your US bank account where you can find routing numbers and account numbers.<\/p><\/div><\/article><h4>Institution number (bank number)<\/h4><p>Also known as the bank number, the institution number identifies your financial institution. Each bank has a different institution number.<\/p><h4>Account number<\/h4><p>The account number on a cheque is seven to 12 digits long and identifies the specific bank account into which funds are to be deposited.<\/p><h3>How do I find my bank account number on a cheque?<\/h3><p>Cheques come in handy when you you need to set up direct deposit or make a payment. Here\u2019s what you need to know about finding the bank account number on a cheque.<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h4>Where is the account number on a bank cheque?<\/h4><p>On a cheque, the bank account number appears at the bottom after a long string of numbers consisting of a three-digit cheque number, five-digit transit number, three-digit institution (bank) number and the account number.<\/p><h4>How many digits is a Canadian bank account number?<\/h4><p>Canadian bank account numbers are seven to 12 digits long, depending on the bank. For comparison, US account numbers are usually 10 to 12 digits long, while UK account numbers are usually eight digits long.<\/p><\/div><\/article><h4>Bank details for major Canadian banks<\/h4><p>Account numbers for all of the Big Five Banks in Canada are seven digits long. When transferring funds, you\u2019ll typically have to provide your transit (branch), institution (bank) number and account number, which can add up to 15 or more digits in total. Here are the institution numbers and account number lengths for major banks in Canada.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%;\">Bank<\/th><th style=\"width: 25%;\">Institution (bank) number<\/th><th style=\"width: 25%;\">Account number length<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>BMO<\/td><td>001<\/td><td>7 digits<\/td><\/tr><tr><td>Scotiabank<\/td><td>002<\/td><td>7 digits<\/td><\/tr><tr><td>RBC<\/td><td>003<\/td><td>7 digits<\/td><\/tr><tr><td>TD Bank<\/td><td>004<\/td><td>7 digits<\/td><\/tr><tr><td>National Bank<\/td><td>006<\/td><td>7 digits<\/td><\/tr><tr><td>CIBC<\/td><td>010<\/td><td>7 digits<\/td><\/tr><tr><td>Tangerine<\/td><td>614<\/td><td>10 digits<\/td><\/tr><tr><td>EQ Bank<\/td><td>623<\/td><td>9 digits<\/td><\/tr><\/tbody><\/table><h3>Spending accounts are a lower priority for new account holders in 2025<\/h3><p>More Canadians (21.88%) plan to open a savings account than any other type of account in 2025, according to the <strong>Finder: Consumer Sentiment Survey January 2025<\/strong>.<\/p><p>Standard savings accounts ranked higher than TFSAs (18.98%), GICs (16.68%) and chequing accounts (15.88%). This could indicate that saving is a growing priority among Canadians, although it could also indicate that many people already have a chequing account and aren\u2019t looking to close it or switch to another bank any time soon.<\/p><p><a href=\"https:\/\/www.finder.com\/ca\/banking\/banking-statistics\">Learn more about banking statistics and trends in Canada<\/a>.<\/p><iframe id=\"datawrapper-chart-F7JW3\" title=\"What types of bank accounts do you plan to open in 2025?\" width=\"100%\" height=\"444\" scrolling=\"yes\" aria-label=\"Bar Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/F7JW3\/1\/\" style=\"border: none;\" loading=\"lazy\"><\/iframe><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\" style=\"text-decoration:underline; font-size:0.9em;\">Compare chequing accounts<\/a>\n<\/div>\n<\/article><h3>Bottom line<\/h3><p>The easiest way to make payments is usually online or using a mobile app. But if you need to go old school, writing a cheque is simple. And, if you don\u2019t have a cheque book handy, your bank may be able to print one off for you. And if you need a void cheque, most banks let you print a void cheque online in no time at all.<\/p><p>Are you looking for more information on chequing accounts and features? Read our list of the <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-chequing-accounts\">best chequing accounts in Canada.<\/a><\/p><h3>How to write a cheque and how to read a cheque FAQs<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">How do I read a cheque?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Here's how to read a cheque:<\/p><ul><li>The <strong>date<\/strong> shows when the cheque was issued, or for post-dated cheques, when it can be cashed.<\/li><li>The name written on the line titled <strong>\"Pay to the order of\"<\/strong> is the recipient, which is the person of organization to whom funds are being sent.<\/li><li>The box to the right of the recipient's name shows the <strong>amount (in dollars\/cents)<\/strong> being deposited into the recipient's account.<\/li><li>Beneath the recipient's name is the <strong>amount written out in words<\/strong>.<\/li><li>The line on the bottom right side of the cheque shows the <strong>sender's signature<\/strong>.<\/li><li>The <strong>\"memo\"<\/strong> line on the bottom left of the cheque is for notes, which can be anything including a personal message or directions on how funds are to be used. This field is optional.<\/li><li>The numbers at the bottom of the cheque show which of the sender's cheques were used as well as the transit (bank branch) number, institution (bank) number and account number for the sender's account.<\/li><\/ul><div class=\"has-padding-xsmall\"><\/div><p>Before you can cash a cheque, you'll need to sign the back of it. This is also known as \"endorsing\" the cheque.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Where is the account number on a cheque?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The bank account number on a cheque appears at the bottom after the three-digit cheque number, five-digit transit number and three-digit institution (bank) number.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">How do I find my bank account details?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can find your bank account details\u2014including your transit number, institution (bank) number and account number\u2014by logging into your online banking portal and downloading a direct deposit form or by getting a printout of this form from your local bank branch.<\/p><p>If you have cheques, you can also find your bank account details at the bottom. There, you'll find several strings of numbers starting with a three-digit cheque number followed by a three-digit cheque number, five-digit transit number, three-digit institution (bank) number and a seven to 12-digit account number.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">What is a routing number?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>A routing number is a combination of two banking numbers: A transit number and an institution number. The routing number can be found on cheques, but only for American banks. Routing numbers do not exist in Canada. Instead, Canadian banks use transit numbers.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">How to find your bank routing numbers?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>In Canada, your bank routing number is a combination of your transit number and your financial institution number. Your transit number identifies your bank branch location\u2014where your bank is located in Canada. Your financial institution number identifies the bank.<\/p><p>For instance, if you were looking for a routing number for TD and your branch was located in Toronto then the transit number is the branch number, let's say 11662 combined with the financial institution number, in this case 004. Combined, the number is 11662-004 and is the equivalent of a routing number. Keep in mind, US routing numbers and Canadian routing number combinations are not interchangeable.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">How long does it take for a cheque to clear?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The maximum holding period for cheques at, or under, $1,500 is four to five days. For cheques over $1,500, the maximum holding period is seven to eight days. However, cheques often clear sooner than this.<\/p><p>If you have a good, longstanding relationship with your bank, it's likely that you can go to a teller and have the funds processed promptly.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000006\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000006\">\n                <span class=\"luna-accordion__title\">How do I deposit or cash a cheque?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000006\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>To deposit or cash a cheque, you'll first need to endorse (sign) the back of it. You can then either bring it to your local bank branch or deposit it using a mobile app, though not all banking apps support this feature.<\/p><p>To perform a mobile deposit, open your <a href=\"https:\/\/www.finder.com\/ca\/banking\/top-mobile-banking-apps\">bank's mobile app<\/a> and navigate to the cheque deposit screen. Then follow the prompts. Typically, you'll have to take a picture of the front and back of your cheque, and then enter information such as the amount being deposited and the account you want the funds to go into.<\/p><p>Once this is done, you can submit the information and pictures, and your cheque will be processed.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000007\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000007\">\n                <span class=\"luna-accordion__title\">How long is a cheque valid for?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000007\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>According to Payments Canada, which regulates the process of clearing and settling financial transactions in Canada, regular cheques and provincial government cheques are stale-dated after six months and can't be deposited. Your bank can decide\u2014at its own discretion\u2014whether it will honour stale-dated cheques, though it's under no obligation to do so.<\/p><p>In contrast, Payments Canada rules state that money orders, bank drafts and federal government cheques never stale-date.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000008\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000008\">\n                <span class=\"luna-accordion__title\">Can I deposit a cheque written out to my maiden (unmarried) name?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000008\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Payments Canada, which regulates the process of clearing and settling financial transactions in Canada, has no official stance on whether the name on a cheque has to match the name of the account holder who is depositing the cheque. This is up to each financial institution's individual policies.<\/p><p>Most banks will accept cheques made out to your maiden name as long as you can prove that you're the same person. You'll need identification such as a driver's license or a passport and probably your marriage certificate as well.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000009\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000009\">\n                <span class=\"luna-accordion__title\">How do I write a cheque with cents?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000009\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>In the numeric box, simply write out the full amount including both dollars and cents (for example, \"$1452.73\"). Then, in the text box, write out the dollar amount and enter the cents on the far right part of the line where the cheque shows \/100 Dollars. For example, \"one thousand, four hundred and fifty two\u2014\u2014\u2014 73\/100\u2033. See our sample cheques above.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000010\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000010\">\n                <span class=\"luna-accordion__title\">How do I void a cheque?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000010\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>To write a void cheque so you can be paid with direct deposit, you can simply write the word \"<strong>VOID\"<\/strong> across the cheque in clear, large letters, to cover all the primary fields of the cheque. And if you bank online, you may also be able to download a void cheque directly from your account to then submit to your employer, landlord, or whomever else may need one.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000011\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000011\">\n                <span class=\"luna-accordion__title\">What do cheque numbers mean?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000011\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The numbers on a cheque allow the recipient bank to \"find\" your money and withdraw the amount specified on the cheque. Here's a quick breakdown of what each cheque number means: The <strong>cheque number<\/strong> reflects the sequence of cheques in your cheque book (the first cheque will be 001, the second will be 002 etc.); the <strong>transit number<\/strong> identifies your bank branch, which is likely where you opened the account (and is similar to the nine-digit <strong>routing number<\/strong> used by US banks); the <strong>institution number <\/strong>identifies your financial institution; and finally, the <strong>account number<\/strong> identifies your bank account.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000012\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000012\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Learn how to write a cheque in Canada in six simple steps. Find out what each cheque field means, how to fix mistakes and how to void a cheque.<\/p>\n","protected":false},"author":685,"featured_media":1063922,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[5953],"tags":[107302,107362],"asset_tag":[],"class_list":["post-825125","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chequing-accounts","tag-cst-research","tag-finder-score"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Write a Cheque in 6 Simple Steps | Finder Canada<\/title>\n<meta name=\"description\" content=\"Learn how to write a cheque in Canada. Plus, find out how to read a cheque, what cheque numbers mean and how to write a void cheque.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/how-to-write-a-cheque\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Write a Cheque in 6 Simple Steps | Finder Canada\" \/>\n<meta property=\"og:description\" content=\"Learn how to write a cheque in Canada. Plus, find out how to read a cheque, what cheque numbers mean and how to write a void cheque.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/how-to-write-a-cheque\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2019-12-27T01:25:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/howtowriteacheque_Supplied_1800x1000.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Stacie Hurst\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stacie Hurst\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"18 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/ca\/chequing-accounts\/how-to-write-a-cheque#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/chequing-accounts\/how-to-write-a-cheque\"},\"author\":[{\"name\":\"Stacie Hurst\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55\"},{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/7f0c68dbce49c99fc8780cf5e7c0a634\"}],\"headline\":\"How to write a cheque in Canada\",\"datePublished\":\"2019-12-27T01:25:01+00:00\",\"dateModified\":\"2025-08-29T16:10:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/chequing-accounts\/how-to-write-a-cheque\"},\"wordCount\":4070,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/chequing-accounts\/how-to-write-a-cheque#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/howtowriteacheque_Supplied_1800x1000.jpg\",\"articleSection\":[\"Chequing Accounts\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/ca\/chequing-accounts\/how-to-write-a-cheque#respond\"]}],\"editor\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/be4dc313d3aa52c4aa2b45df5c899a1e\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Government of Canada: Banking\u2014know your rights, Last modified November 1, 2024\",\"url\":\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/rights-responsibilities\/rights-banking\/\"},{\"@type\":\"CreativeWork\",\"name\":\"Payments Canada: Issuing or receiving cheques, Accessed August 28, 2025\",\"url\":\"https:\/\/payments.ca\/payment-resources\/support-guides\/business-guides\/issuing-or-receiving-cheques\"},{\"@type\":\"CreativeWork\",\"name\":\"Globalnews.ca: Old money, new again! 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This field is optional.<\/li>\\r \\t<li>The numbers at the bottom of the cheque show which of the sender's cheques were used as well as the transit (bank branch) number, institution (bank) number and account number for the sender's account.<\/li>\\r<\/ul>\\r<div class=\\\"has-padding-xsmall\\\"><\/div>\\rBefore you can cash a cheque, you'll need to sign the back of it. This is also known as \\\"endorsing\\\" the cheque.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"Where is the account number on a cheque?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rThe bank account number on a cheque appears at the bottom after the three-digit cheque number, five-digit transit number and three-digit institution (bank) number.\\r\"}},{\"@type\":\"Question\",\"name\":\"How do I find my bank account details?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rYou can find your bank account details\u2014including your transit number, institution (bank) number and account number\u2014by logging into your online banking portal and downloading a direct deposit form or by getting a printout of this form from your local bank branch.\\r\\rIf you have cheques, you can also find your bank account details at the bottom. There, you'll find several strings of numbers starting with a three-digit cheque number followed by a three-digit cheque number, five-digit transit number, three-digit institution (bank) number and a seven to 12-digit account number.\\r\"}},{\"@type\":\"Question\",\"name\":\"What is a routing number?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rA routing number is a combination of two banking numbers: A transit number and an institution number. The routing number can be found on cheques, but only for American banks. Routing numbers do not exist in Canada. Instead, Canadian banks use transit numbers.\\r\"}},{\"@type\":\"Question\",\"name\":\"How to find your bank routing numbers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rIn Canada, your bank routing number is a combination of your transit number and your financial institution number. Your transit number identifies your bank branch location\u2014where your bank is located in Canada. Your financial institution number identifies the bank.\\r\\rFor instance, if you were looking for a routing number for TD and your branch was located in Toronto then the transit number is the branch number, let's say 11662 combined with the financial institution number, in this case 004. Combined, the number is 11662-004 and is the equivalent of a routing number. Keep in mind, US routing numbers and Canadian routing number combinations are not interchangeable.\\r\"}},{\"@type\":\"Question\",\"name\":\"How long does it take for a cheque to clear?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rThe maximum holding period for cheques at, or under, $1,500 is four to five days. For cheques over $1,500, the maximum holding period is seven to eight days. However, cheques often clear sooner than this.\\r\\rIf you have a good, longstanding relationship with your bank, it's likely that you can go to a teller and have the funds processed promptly.\\r\"}},{\"@type\":\"Question\",\"name\":\"How do I deposit or cash a cheque?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rTo deposit or cash a cheque, you'll first need to endorse (sign) the back of it. You can then either bring it to your local bank branch or deposit it using a mobile app, though not all banking apps support this feature.\\r\\rTo perform a mobile deposit, open your <a href=\\\"https:\/\/www.finder.com\/ca\/banking\/top-mobile-banking-apps\\\">bank's mobile app<\/a> and navigate to the cheque deposit screen. Then follow the prompts. Typically, you'll have to take a picture of the front and back of your cheque, and then enter information such as the amount being deposited and the account you want the funds to go into.\\r\\rOnce this is done, you can submit the information and pictures, and your cheque will be processed.\\r\"}},{\"@type\":\"Question\",\"name\":\"How long is a cheque valid for?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rAccording to Payments Canada, which regulates the process of clearing and settling financial transactions in Canada, regular cheques and provincial government cheques are stale-dated after six months and can't be deposited. Your bank can decide\u2014at its own discretion\u2014whether it will honour stale-dated cheques, though it's under no obligation to do so.\\r\\rIn contrast, Payments Canada rules state that money orders, bank drafts and federal government cheques never stale-date.\\r\"}},{\"@type\":\"Question\",\"name\":\"Can I deposit a cheque written out to my maiden (unmarried) name?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rPayments Canada, which regulates the process of clearing and settling financial transactions in Canada, has no official stance on whether the name on a cheque has to match the name of the account holder who is depositing the cheque. This is up to each financial institution's individual policies.\\r\\rMost banks will accept cheques made out to your maiden name as long as you can prove that you're the same person. You'll need identification such as a driver's license or a passport and probably your marriage certificate as well.\\r\"}},{\"@type\":\"Question\",\"name\":\"How do I write a cheque with cents?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rIn the numeric box, simply write out the full amount including both dollars and cents (for example, \\\"$1452.73\\\"). Then, in the text box, write out the dollar amount and enter the cents on the far right part of the line where the cheque shows \/100 Dollars. For example, \\\"one thousand, four hundred and fifty two--------- 73\/100\\\". See our sample cheques above.\\r\"}},{\"@type\":\"Question\",\"name\":\"How do I void a cheque?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rTo write a void cheque so you can be paid with direct deposit, you can simply write the word \\\"<strong>VOID\\\"<\/strong> across the cheque in clear, large letters, to cover all the primary fields of the cheque. And if you bank online, you may also be able to download a void cheque directly from your account to then submit to your employer, landlord, or whomever else may need one.\\r\"}},{\"@type\":\"Question\",\"name\":\"What do cheque numbers mean?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rThe numbers on a cheque allow the recipient bank to \\\"find\\\" your money and withdraw the amount specified on the cheque. Here's a quick breakdown of what each cheque number means: The <strong>cheque number<\/strong> reflects the sequence of cheques in your cheque book (the first cheque will be 001, the second will be 002 etc.); the <strong>transit number<\/strong> identifies your bank branch, which is likely where you opened the account (and is similar to the nine-digit <strong>routing number<\/strong> used by US banks); the <strong>institution number <\/strong>identifies your financial institution; and finally, the <strong>account number<\/strong> identifies your bank account.\\r\"}}]}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2025-08-29T16:10:39+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How To Write a Cheque in 6 Simple Steps | Finder Canada","description":"Learn how to write a cheque in Canada. 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This field is optional.<\/li>\r \t<li>The numbers at the bottom of the cheque show which of the sender's cheques were used as well as the transit (bank branch) number, institution (bank) number and account number for the sender's account.<\/li>\r<\/ul>\r<div class=\"has-padding-xsmall\"><\/div>\rBefore you can cash a cheque, you'll need to sign the back of it. This is also known as \"endorsing\" the cheque.\r\r"}},{"@type":"Question","name":"Where is the account number on a cheque?","acceptedAnswer":{"@type":"Answer","text":"\rThe bank account number on a cheque appears at the bottom after the three-digit cheque number, five-digit transit number and three-digit institution (bank) number.\r"}},{"@type":"Question","name":"How do I find my bank account details?","acceptedAnswer":{"@type":"Answer","text":"\rYou can find your bank account details\u2014including your transit number, institution (bank) number and account number\u2014by logging into your online banking portal and downloading a direct deposit form or by getting a printout of this form from your local bank branch.\r\rIf you have cheques, you can also find your bank account details at the bottom. There, you'll find several strings of numbers starting with a three-digit cheque number followed by a three-digit cheque number, five-digit transit number, three-digit institution (bank) number and a seven to 12-digit account number.\r"}},{"@type":"Question","name":"What is a routing number?","acceptedAnswer":{"@type":"Answer","text":"\rA routing number is a combination of two banking numbers: A transit number and an institution number. The routing number can be found on cheques, but only for American banks. Routing numbers do not exist in Canada. Instead, Canadian banks use transit numbers.\r"}},{"@type":"Question","name":"How to find your bank routing numbers?","acceptedAnswer":{"@type":"Answer","text":"\rIn Canada, your bank routing number is a combination of your transit number and your financial institution number. Your transit number identifies your bank branch location\u2014where your bank is located in Canada. Your financial institution number identifies the bank.\r\rFor instance, if you were looking for a routing number for TD and your branch was located in Toronto then the transit number is the branch number, let's say 11662 combined with the financial institution number, in this case 004. Combined, the number is 11662-004 and is the equivalent of a routing number. Keep in mind, US routing numbers and Canadian routing number combinations are not interchangeable.\r"}},{"@type":"Question","name":"How long does it take for a cheque to clear?","acceptedAnswer":{"@type":"Answer","text":"\rThe maximum holding period for cheques at, or under, $1,500 is four to five days. For cheques over $1,500, the maximum holding period is seven to eight days. However, cheques often clear sooner than this.\r\rIf you have a good, longstanding relationship with your bank, it's likely that you can go to a teller and have the funds processed promptly.\r"}},{"@type":"Question","name":"How do I deposit or cash a cheque?","acceptedAnswer":{"@type":"Answer","text":"\rTo deposit or cash a cheque, you'll first need to endorse (sign) the back of it. You can then either bring it to your local bank branch or deposit it using a mobile app, though not all banking apps support this feature.\r\rTo perform a mobile deposit, open your <a href=\"https:\/\/www.finder.com\/ca\/banking\/top-mobile-banking-apps\">bank's mobile app<\/a> and navigate to the cheque deposit screen. Then follow the prompts. Typically, you'll have to take a picture of the front and back of your cheque, and then enter information such as the amount being deposited and the account you want the funds to go into.\r\rOnce this is done, you can submit the information and pictures, and your cheque will be processed.\r"}},{"@type":"Question","name":"How long is a cheque valid for?","acceptedAnswer":{"@type":"Answer","text":"\rAccording to Payments Canada, which regulates the process of clearing and settling financial transactions in Canada, regular cheques and provincial government cheques are stale-dated after six months and can't be deposited. Your bank can decide\u2014at its own discretion\u2014whether it will honour stale-dated cheques, though it's under no obligation to do so.\r\rIn contrast, Payments Canada rules state that money orders, bank drafts and federal government cheques never stale-date.\r"}},{"@type":"Question","name":"Can I deposit a cheque written out to my maiden (unmarried) name?","acceptedAnswer":{"@type":"Answer","text":"\rPayments Canada, which regulates the process of clearing and settling financial transactions in Canada, has no official stance on whether the name on a cheque has to match the name of the account holder who is depositing the cheque. This is up to each financial institution's individual policies.\r\rMost banks will accept cheques made out to your maiden name as long as you can prove that you're the same person. You'll need identification such as a driver's license or a passport and probably your marriage certificate as well.\r"}},{"@type":"Question","name":"How do I write a cheque with cents?","acceptedAnswer":{"@type":"Answer","text":"\rIn the numeric box, simply write out the full amount including both dollars and cents (for example, \"$1452.73\"). Then, in the text box, write out the dollar amount and enter the cents on the far right part of the line where the cheque shows \/100 Dollars. For example, \"one thousand, four hundred and fifty two--------- 73\/100\". See our sample cheques above.\r"}},{"@type":"Question","name":"How do I void a cheque?","acceptedAnswer":{"@type":"Answer","text":"\rTo write a void cheque so you can be paid with direct deposit, you can simply write the word \"<strong>VOID\"<\/strong> across the cheque in clear, large letters, to cover all the primary fields of the cheque. And if you bank online, you may also be able to download a void cheque directly from your account to then submit to your employer, landlord, or whomever else may need one.\r"}},{"@type":"Question","name":"What do cheque numbers mean?","acceptedAnswer":{"@type":"Answer","text":"\rThe numbers on a cheque allow the recipient bank to \"find\" your money and withdraw the amount specified on the cheque. Here's a quick breakdown of what each cheque number means: The <strong>cheque number<\/strong> reflects the sequence of cheques in your cheque book (the first cheque will be 001, the second will be 002 etc.); the <strong>transit number<\/strong> identifies your bank branch, which is likely where you opened the account (and is similar to the nine-digit <strong>routing number<\/strong> used by US banks); the <strong>institution number <\/strong>identifies your financial institution; and finally, the <strong>account number<\/strong> identifies your bank account.\r"}}]}]},"article_modified_time":"2025-08-29T16:10:39+00:00"},"custom_fields":{"show_author_box":["1"],"_content_type":["niche-content\/information\/how-to"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"Get out your favourite pen and let us walk you through how to fill out a cheque like a pro.\"}"],"custom_post_template":["single-masthead-two-column.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/825125"}],"collection":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/users\/685"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/comments?post=825125"}],"version-history":[{"count":13,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/825125\/revisions"}],"predecessor-version":[{"id":1073372,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/825125\/revisions\/1073372"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media\/1063922"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media?parent=825125"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/categories?post=825125"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/tags?post=825125"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/asset_tag?post=825125"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}