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How to Deposit a Cheque?
Posted on Friday, March 28th, 2025 | By IndusInd Bank
Depositing a cheque is a common banking activity that many people have to perform regularly. Whether you are depositing a personal cheque, a business cheque, or making a payment, understanding the proper steps can help ensure a smooth transaction.
In this article, we will guide you on how to deposit a cheque in a bank branch and an ATM and highlight important points.
Steps to Deposit a Cheque in a Bank Branch
To deposit a cheque in the bank branch, follow the given steps:
1. Fill Out a Deposit Slip
Obtain a deposit slip from the bank. Fill in the necessary details such as the date, your bank account number, your name, the cheque number, and the amount.
2. Endorse the Cheque
Sign your name on the endorsement line on the back of the cheque. The bank requires this to process the cheque.
3. Attach the Cheque to the Deposit Slip
Attach the filled-out deposit slip to the cheque. You can use a paperclip for this purpose.
4. Visit the Teller
Go to the bank teller and hand over the cheque and deposit slip. They will verify the information on the cheque deposit and process it.
5. Receive a Receipt
The teller will provide you with a receipt as proof of the deposit after processing the cheque. Keep this receipt for your records.
6. Wait for Clearance
The cheque amount will be credited to your bank account once it clears. This depends on the bank’s processing time.
Now you know how to deposit a cheque in the bank branch. However, in case the branch is closed, you can also deposit the cheque at the bank ATM.
Steps on Depositing a Cheque in a Bank ATM
Here are the steps required to deposit a cheque in a bank ATM:
1. Insert your debit card into the ATM machine. Then, enter the PIN.
2. Select the ‘Deposit’ option from the menu.
3. Select ‘Cheque Deposit’ from the available options.
4. Follow the on-screen instructions to insert the cheque into the designated slot.
5. The ATM will scan the cheque and display the amount. Confirm that the amount is correct.
6. After you confirm, the processing of the cheque begins. The ATM will provide a receipt once done. Keep this receipt for your records.
7. The amount will be credited to your account after the bank processes and clears the cheque.
Alternatively, there is a drop-box facility available in ATMs. You can also use that to deposit your cheque.
Also Read: What are the Different Types of Cheques?
Important Points to Keep in Mind When Depositing a Cheque
One must keep the below points in mind when learning how to deposit a cheque at the bank branch or ATM:
1. Always go through the details on the cheque and the deposit slip with care to avoid errors.
2. Make sure to endorse the cheque in a correct fashion to ensure smooth processing.
3. Be aware of the bank’s cut-off times for cheque deposits.
4. Always keep the deposit receipt until the cheque clears and the funds are credited to your account.
5. Some banks may have specific policies on whether you can deposit a cheque in any branch of your bank. It is advisable to check with your bank if you are unsure.
Conclusion
Depositing a cheque is a straightforward process whether done at a bank branch or an ATM. Keep the above instructions in mind to ensure a smooth cheque deposit process.
If you want to transfer funds on an immediate basis, you can consider using digital banking services. With IndusInd Bank’s Net Banking and mobile application, you can access a host of banking services at your fingertips.
Whether you want to transfer funds, check your account statement, pay bills, or more, IndusInd Bank’s Digital Banking is the platform to do it.
Open a Bank Account with IndusInd Bank today and start enjoying seamless digital banking!
Disclaimer: The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any financial decisions based on the contents and information.
