Question

Как люди платят чеками? Срочно

Answer 1

При расчетах чеками владелец чека дает письменное поручение обслуживающему его учреждению банка о перечислении определенной суммы денег, указанной в чеке, с его счета на счет получателя средств.

Answer 2

Практикуемый на Западе вариант! На банковском счете Джона лежат деньги,он приобретает услугу Шона и выписывает Шона чек,с которым то идет в банк и с помощью чека снимает или перебрасывает деньги со счета Джона на свой!
Или же Шон этим же чеком может оплатить товар или услугу третьего лица,например Кевина! Наглядно на примере как то так

Answer 3

How People Pay with Checks

People pay with checks by writing a check to the payee, who then deposits or cashes it.

Checks are a form of negotiable instrument that allows a person to direct their bank to pay a specific amount of money to another person or organization. When someone writes a check, they are instructing their bank to transfer funds from their account to the account of the person or entity named on the check.

The process of paying with a check involves several steps:

1. Writing the Check: The payer fills in the payee's name, the date, the amount to be paid, and their signature on the check.

2. Depositing or Cashing the Check: The payee can then deposit the check into their bank account or cash it at the payer's bank or a check-cashing service.

3. Clearing and Processing: The payer's bank verifies the availability of funds and processes the payment, which may take a few days to complete.

4. Deducting Funds: Once the check is processed, the payer's bank deducts the specified amount from the payer's account and transfers it to the payee's account.

It's important to note that the use of checks has declined in recent years with the rise of electronic payment methods such as credit/debit cards, online transfers, and digital wallets.