Types of Cheques

A cheque with no lines drawn across it. 

• Crossed

• Bearer

• Open

• Dishonoured

A cheque with parallel lines drawn across it.  It means that the cheque cannot be cashed but must be deposited into a bank account. 

• Crossed

• Bearer

• Open

• Dishonoured

Anyone who carries this cheque into the bank can cash it. 

• Crossed

• Bearer

• Open

• Stale

A cheque that is signed over to a third party. 

• Endorsed

• Bearer

• Post-dated

• Stale

A cheque that is more than 6 months old.

• Endorsed

• Bearer

• Post-dated

• Stale

A cheque that is dated for a date in the future. 

• Endorsed

• Bearer

• Post-dated

• Stale

This is a cheque that has already been cleared by the bank and is returned to the drawer or owner of the chequing account.

• Endorsed

• Cancelled

• Dishonoured

• Stale

This is a cheque that is not accepted by the bank. 

• Endorsed

• Cancelled

• Dishonoured

• Stale