When you open a bank account, the bank offers you the facility of a chequebook. A chequebook contains between 10 to 50 cheque leaves. You can use the cheque leaves to send money or pay your bills.
After you issue a cheque, the other party will present it to its bank. This bank will then send it to your bank. Your account must have enough balance to make sure that the amount can be paid. Over time, you may issue many cheques but how to keep a track of them? You need to find the bank balance cheque number and note it somewhere safe.
The bank balance cheque number serves as a record to remind you which cheque has been issued to which party. If you do not track these details, there are many chances of errors later on. So, make it a point to find the bank balance cheque number and maintain a record for every cheque.
Steps to Find Bank Balance Cheque Number
Generally, a bank cheque number contains six digits. However, this may vary across banks. If you do not know how to find your bank balance cheque number, here are a few simple steps to help you:
To find a bank balance cheque number offline, you must have a physical copy of your chequebook.
- Take out the chequebook of the account for which you need to do a balance check.
- Open the chequebook, and get to the first cheque leaf in the book.
- Towards the bottom of the cheque, you will see several numbers printed.
- Start from the left corner of the cheque leaf. You will see six digits placed between ‘||’ symbols on either side.
- These six digits are your bank cheque number. Every cheque in the chequebook has a unique cheque number.
- You must note this number every time you issue a cheque.
- The best way to do this is to record the cheque number in the counterfoil pages placed at the start of every chequebook.
- Here you will enter the date, cheque number, cheque issued to, the amount issued, and other important details.
- This will serve as a record of all the cheques you have issued.
If you do not have the cheque-book with you, then you can follow these steps to find the bank balance cheque number:
- Log on to your internet banking portal.
- On the home page, click on the link for the account statement.
- Enter the dates between which you issued the cheques.
- When you press the submit button, the bank statement will appear.
- Based on your bank, the cheque number will be mentioned in a separate column with details like the amount, cheque clearing date, and the name of the party.
- This data will help you record the details of every cheque you have issued.
- You can fill this data in the counterfoil and keep a record of every cheque issued by you.
Need for a Bank Balance Cheque Number
There can be several reasons why you need to know the bank cheque number. Some of the them include:
- Keep a record: If you want to keep track of all the cheques you have issued over a period, you must learn to find the bank cheque number. If you issue many cheques, it will be hard to keep track of which cheque was issued to whom. As a result, you even forget whether there is enough balance in your account or not. Thus, you must always note the cheque number and details of to whom it was issued. This will help you get a better grasp of your financials.
- Stop cheque payment: There can be various reasons why you might want to issue stop payment guidelines against a cheque. Either you have misplaced the cheque or have made the payment already to the party but have not taken the cheque back. If you do not know how to find your bank balance cheque number, you will have a hard time placing a request with your bank to stop payment against the cheque. This is not good for your financial status. Hence, ensure you record the cheque number in the counterfoil so that later, you can issue the necessary guidelines if there is a need.
- Raise a complaint: There can be some letters that you need to write to a person or party wherein you need to refer to a payment made through a cheque. If you do not find the bank cheque number, you will not be able to mention the specific details in the letter or during online communication. This can cause delays in addressing your problem. So, you must always maintain a record of the cheque numbers along with the name of the person or party. This step can save you a lot of hassles in the future.
When you issue a cheque to someone, you must make the payment on the due date written on the cheque. If you forget to note the cheque number, you will have a problem keeping track of all your payments. Hence, you must learn to find the bank balance cheque number, and make it a point to record it.
If you want to learn more about bank cheques and their importance, then visit Piramal Finance. They have many articles and blogs to help you brush up on financial skills. They also offer many personal finance products to help you take care of all your urgent and vital needs.