check books or is it cheque books?

@tigeraunt (6331)
Philippines
January 28, 2012 2:06am CST
i was talking to a friend in india on chat when he said the post man came. he stood up and when he came back he had an envelop. he said it is a check book. i wonder, a check book - by post? that is dangerous if it gets into wrong hands. it could be maneuvered and the person who owns the check will be blamed and penalized. here in the philippines, check books are taken directly from the bank. but friend in india said things are different in india. the checkbook comes from the head office, may be 25/50/100 leaves, depending upon your written requisition. [b]so what about your place. do you get it by post or in the bank. i would love to hear from you. [/b] thank you in advance. ann
5 people like this
6 responses
@Kalyni2011 (3503)
• India
28 Jan 12
Dear Anny Your friend from india is very right, banks will never give cheque book, (we call it cheque)to a person, in fact they don't have it, once we file requisition for cheques, they intimate the head office, and the book comes from head office by registered post only. So there is no chance of falling into wrong hands!! How is your hubby, is he back in Davao? Happy posting, cheers. Kalyani
2 people like this
@jaiho2009 (39019)
• Philippines
28 Jan 12
hello maa This is new to us. Here,banks don't mail check/cheque books. We must claim it personally :) Hugs to you and dada
2 people like this
• India
29 Jan 12
Jane beti Here the spelling is cheque, we have to give requisition for new ones, 25 leaves are free each year, for additional we pay 3 rupees per leaf, there are 2 kinds of cheque, one is payable at par.. Hugs to you and kids
@tigeraunt (6331)
• Philippines
31 Jan 12
hello kal, just like jaiho said.. checkbook posted and mailed is not yet popular. i am not sure if there are banks in the philippines doing this already. not yet. he had to cancel his vacation because of some work but definitely he is going home this year. looking forward to it. have a nice day. ann
28 Jan 12
In the UK, cheque books (the US calls them "check books") have always been sent through the post. You can't use a cheque without the associated guarantee card (like a credit/debit card), so it's reasonably safe. To be honest, I haven't used a cheque for about 15 years. I don't even own a cheque book any more: no one accepts them here because they're so slow and easy to scam.
1 person likes this
28 Jan 12
Sorry, when I say "no one" I mean "hardly anyone", obviously. Bit of journalistic hyperbole, there!
1 person likes this
@tigeraunt (6331)
• Philippines
31 Jan 12
hi there spike, i understand. some do not like checks anymore. they would prefer cash or the credit/debit card. this mail in the post checkbooks isnt popular here. it is easy to scam, i agree. an officemate received a check payment for money he released but it turned out that the check is a fake and it was not honored by the bank. here, when presenting the check in the bank for encashment, they ask for a valid id like driver's license or social security card, postal id, etc. (i guess only to check on the signature endorsement at the back of the check and compare). but the suppliers dont ask for it and many are scammed. it is either boucing check, or closed account, etc. they just have to be very careful. ann
@savypat (20246)
• United States
28 Jan 12
In the USA these things come in the mail. The signature is the ruling factor and the bank is responsible if it's not examined and a bad check gets thru. Of course it is up to you to make sure you report any loss of checks.
@tigeraunt (6331)
• Philippines
31 Jan 12
i do not generalize, but there are instances when the mails in the post are lost in transit. so, probably the banks are not sending requests via mail is because they do not want to invite "temptations" to the postmen. well of course, i am not that sure if this mailing/post is already a practice here. i do not know of any instance. it is always bank to client direct. ann
@dragon54u (31617)
• United States
28 Jan 12
It depends where you live if it is called cheque or check. Here in the U.S. we call them checks. They come in the mail, which always make me nervous, you can't pick it up at the bank which would be much safer. However, they no longer come in boxes as they used to but a thin packet that makes them look like a normal, slightly thick mailing. This is safer but still not secure.
@tigeraunt (6331)
• Philippines
5 Feb 12
its security we are worried about. thank you and have a nice day. ann
@inertia4 (27665)
• United States
1 Feb 12
Well it's basically Check here in the United States. And Cheque in England. But it is the same thing. I get my checks mailed to me from the bank. You order them. But if you want to pick them up from the bank you can do that as well. I have ordered many checks from the bank and had them delivered. Nothing can happen. If they get lost, you call the bank and change things.
• India
30 Jan 12
Sweety 7 days ago i had given requisation for a cheque book containg 100 leaves of 'At par' cheque, today i received it from their head office by registerd post, i had to pay 300 rupees @ 3 rupees per leaf.One can get 25 free per year. Professor Best of luck.