البنك وإدارة الشيك كوسيلة دفع.

Abstract

The management of checks as a payment instrument commences with the bank providing check templates to the drawer as part of the account opening procedure. Subsequently, the bank acts as an agent following the circulation of the check, either on behalf of the drawer by discharging the check's value or on behalf of the holder by collecting the value of the check and its fulfillment. However, the bank may refuse to honor the check, which may be deemed unlawful, despite the validity of the check and the legitimate bearer's claim. Conversely, the refusal to honor the check may be lawful due to the existence of a seizure on the account balance, freezing of the account, or an objection to the payment of the check. On the other hand, managing a check may constitute a criminal offense in the event of forgery, issuing a check without sufficient or insufficient funds. In such instances, the bank must comply with designated protocols and assume accountability towards the drawer, the bearer, and the banking committee.