Cheques and paper items are declining steadily, yet they remain one of the most popular payment methods for many businesses in Canada.
支票和纸质物品正在稳步下降，但它们仍然是加拿大许多企业最受欢迎的付款方式之一。
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Overview 概述
Writing a cheque 填写支票
When writing a cheque, it’s important to use dark ink so the information shows up well in images If writing a cheque by hand, we recommend you use a ball-point or roller pen with black or blue ink. On the computer, use at least a 10 point font and dark ink colours (black, blue or dark purple). You should include the amount of the payment in words since it serves as a backup if the amount in figures is unclear. It’s acceptable to wrap the amount onto two or more lines.
填写支票时，使用深色墨水很重要，这样信息才能在图像中很好地显示。如果手写支票，我们建议您使用黑色或蓝色墨水的圆珠笔或钢笔。在计算机上，至少使用 10 号字体和深色墨水（黑色、蓝色或深紫色）。您应该以文字形式包含付款金额，因为如果数字中的金额不清楚，它可以作为备用。将金额包装成两行或多行是可以接受的。
Accepting and depositing a cheque 接受并存入支票
When you’re given a cheque, make sure all the necessary fields are complete and that it has a signature on the front.
当您收到支票时，请确保所有必填字段均已填写，并且支票正面有签名。
If a cheque is for more than one person or company, it needs to have the other party’s signature on the back of the cheque. Or, if someone is giving you a cheque made out to them, it also needs their signature on the back. For example, if the cheque is for your company and John Smith, you need John Smith’s signature on the back to deposit it. Signatures on the back of cheques are called endorsements. If you’re unsure whether a cheque is acceptable, check with your financial institution.
如果一张支票是给多个人或公司的，则需要在支票背面有另一方的签名。或者，如果有人给你一张开给他们的支票，它的背面也需要他们的签名。例如，如果支票是给您的公司和 John Smith，您需要在背面签名 John Smith 才能存入支票。支票背面的签名称为背书。如果您不确定支票是否可以接受，请咨询您的金融机构。
When preparing your deposits, review the date on each cheque.
准备存款时，请查看每张支票上的日期。
Post-dated 填写日期迟于实际日期
Cheques shouldn’t be deposited before their due date. Given the large volume of cheques and automated processing, some items may slip through. If the recipient deposits a cheque you wrote early, you should contact your financial institution. Your financial institution can return the cheque, up to and including the day before the due date.
支票不应在到期日之前存入。鉴于大量的支票和自动处理，一些项目可能会漏掉。如果收款人存入您提前开出的支票，您应该联系您的金融机构。您的金融机构可以在到期日前一天（包括该日）退还支票。
You will need to make other arrangements for payment, as you can’t deposit a returned cheque.
您将需要做出其他付款安排，因为您不能存入退回的支票。
Stale-dated 过期
Cheques are considered stale-dated after six months, unless it is a certified cheque. A stale-dated cheque means that the item is old, and not necessarily invalid. Financial institutions may still honour these items, but there is no obligation to do so. Government of Canada cheques, money orders and bank drafts do not ‘stale-date’. Cheques issued by provincial governments are treated as regular cheques and may be considered stale after six months. To learn more about cheques, view Module 03 (Cheques) of our educational video series – the Payments Canada Learning Exchange.
支票在六个月后被视为过期，除非它是经过认证的支票。过时的检查意味着该项目是旧的，不一定是无效的。金融机构仍然可以兑现这些物品，但没有义务这样做。加拿大政府的支票、汇票和银行汇票不会“过期”。省政府签发的支票被视为定期支票，六个月后可能被视为过期。要了解有关支票的更多信息，请观看我们的教育视频系列的模块 03（支票） ——加拿大付款学习交流。
For more details on Payments Canada’s official specifications for cheques, please refer to Standard 006 for paper items and to Rule A10 for cheque imaging specifications.
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FAQs 常见问题
Can we use an electronic signature or stamp on cheques? 我们可以在支票上使用电子签名或盖章吗？
The signature will need to be positioned so that it doesn’t interfere with any other information and have sufficient contrast to ensure a clear cheque image.
签名的位置需要使其不会干扰任何其他信息并具有足够的对比度以确保清晰的支票图像。
How long can an FI place a hold on funds?金融机构可以冻结资金多长时间？
Federally regulated financial institutions are required by law to limit the hold period on cheques. Payments Canada rules and standards do not address holds on cheques, but the Financial Consumer Agency of Canada’s (FCAC) website has helpful information on your rights and responsibilities.
法律要求受联邦监管的金融机构限制支票的保留期。Payments Canada 的规则和标准不涉及对支票的扣押，但加拿大金融消费者署 (FCAC) 网站提供了有关您的权利和责任的有用信息。
A cheque deposited into my account was returned. Why? 存入我账户的支票被退回。为什么？
Cheques can be returned for many reasons, including for non-sufficient funds (NSF), a stop payment by the person who wrote it and more. Payments Canada does not have access to payment items, so we are unable to find out why an item was returned. You should consult your financial institution directly for more information.
支票可能因多种原因被退回，包括资金不足 (NSF)、开支票人停止付款等。Payments Canada 无法访问付款项目，因此我们无法找出退回项目的原因。您应该直接咨询您的金融机构以获取更多信息。
When a cheque I’ve deposited is returned, is there a time limit for my FI to withdraw funds from my account? 当我存入的支票被退回时，我的金融机构从我的账户中提取资金是否有时间限制？
Once your FI receives a returned cheque, it will generally withdraw the amount of the cheque from your account as soon as possible. This is usually addressed in your customer account agreement with your FI.
一旦您的金融机构收到退回的支票，它通常会尽快从您的账户中提取支票金额。这通常在您与 FI 的客户账户协议中得到解决。
What happens if a cheque I deposited is returned because the customer placed a “stop payment” on it?如果我存入的支票因为客户在上面设置了“停止付款”而被退回怎么办？
You have the option of asking your FI to send the item to the issuer’s FI “on collection” (i.e. outside of the clearing system), if they offer this service. If not, you’ll need to contact your customer to obtain payment in another way.
如果您的 FI 提供此项服务，您可以选择要求您的 FI 将项目“在收款时”（即在清算系统之外）发送给发行人的 FI。如果没有，您需要联系您的客户以通过其他方式获得付款。
Are FIs required to follow conditional statements, such as “Void after 30 days,” on cheques? 金融机构是否需要在支票上遵守条件陈述，例如“30 天后作废”？
FIs are not obligated to follow conditional statements on cheques. Your FI might offer this service – ask them, or check your customer account agreement.
金融机构没有义务遵守支票上的条件陈述。您的金融机构可能会提供这项服务——询问他们，或查看您的客户账户协议。
If a cheque clears your account but the conditions have not been met, you must notify your financial institution within the “next business day” return timeframe through the clearing system.
如果支票清算了您的账户但未满足条件，您必须在“下一个工作日”的退货时间范围内通过清算系统通知您的金融机构。
What do I do if a fraudulent item clears my account?如果欺诈性物品清除了我的帐户，我该怎么办？
Report any suspicious account activity to your FI as soon as possible. They are in the best position to help you.
尽快向您的金融机构报告任何可疑的账户活动。他们处于帮助您的最佳位置。
How do we write the name of the payee on a cheque? Does it have to exactly match the name on the account?我们如何在支票上写收款人的姓名？它必须与帐户上的名称完全匹配吗？
Payments Canada rules and standards do not address how the payee’s name has to be written on a cheque. We recommend that you consult your financial institution for advice.
Payments Canada 的规则和标准并未规定如何将收款人的姓名写在支票上。我们建议您咨询您的金融机构以获取建议。
If a cheque is returned, can it be re-deposited and re-processed? 如果支票被退回，是否可以重新存入和重新处理？
If an item is returned, it cannot be re-deposited and re-processed. This helps control the risk of duplicate items entering the clearing system.
如果物品被退回，则不能重新存放和重新处理。这有助于控制重复项目进入清算系统的风险。
You need to ask the payor for a new cheque or a different form of payment. You can also ask your financial institution to see if there are other options available to you.
您需要向付款人索要新支票或其他付款方式。您还可以询问您的金融机构是否有其他选择。
Can cheque images be used as proof of payment? 支票图像可以用作付款证明吗？
Yes. The Canada Revenue Agency accepts images of cheques. Both the federal Evidence Act and the parallel legislation in most provinces and territories permit the admissibility of electronic records in court proceedings.
是的。加拿大税务局接受支票图片。联邦证据法和大多数省和地区的平行立法都允许在法庭诉讼中接受电子记录。
Can I print my own cheques? 我可以打印自己的支票吗？
Yes, you can print your own cheques. However, they must be in accordance with Standard 006 and include a Magnetic Ink Character Recognition (MICR) line at the bottom (printed in magnetic ink).
是的，您可以打印自己的支票。但是，它们必须符合标准 006 并在底部包含磁性墨水字符识别 (MICR) 行（以磁性墨水打印）。
We recommend that you contact your financial institution and present a sample of your printed cheque to avoid any potential processing problems.
我们建议您联系您的金融机构并出示您的打印支票样本，以避免任何潜在的处理问题。
Do you have a list of software providers and/or cheque printers that are compliant with Standard 006? 您是否有符合标准 006 的软件提供商和/或检查打印机列表？
Payments Canada has a Cheque Printer Self-Accreditation Program (CPSAP) where cheque printers attest to Payments Canada that their cheques are compliant with Standard 006.
Payments Canada 有一个支票打印机自我认证计划 (CPSAP)，支票打印机向 Payments Canada 证明他们的支票符合标准 006。
Cheques printed by a self-accredited printer are exempt from routine Standard 006 testing.
由自我认可的打印机打印的支票免于常规标准 006 测试。
Cheques not produced by suppliers within this program could be subject to testing by your FI.
不是由本计划内的供应商开具的支票可能需要由您的 FI 进行测试。
For more information, including a list of self-accredited cheque printers, consult the CPSAP page.
有关更多信息，包括自我认可的支票打印机列表，请参阅 CPSAP 页面。
What are the recourse and return timelines for a cheque? 支票的追索和退还时间表是什么？
Payments Canada’s Rule A4 (Section 5-7) details the applicable return reasons and timeframes for paper based items.
Payments Canada 的A4 规则（第 5-7 节）详细说明了纸质商品的适用退货原因和时间范围。
Section 5 outlines the standard time limitation for return where the Drawee must return a cheque to the Negotiating Institution the business day following receipt of the cheque by the first organizational unit of the Drawee that is able to make or act upon a decision to dishonour the cheque.
第 5 节概述了退票的标准时限，其中受票人必须在收到支票后的第一个营业日将支票退还给谈判机构，该受票人的第一个组织单位能够做出或根据决定拒绝兑现支票.
Section 6 outlines the exceptions to the standard time limitation for return.
第 6 节概述了标准退货时间限制的例外情况。
Any recourse outside of the time frames indicated is to be settled outside of the rules.
在规定的时间范围之外的任何追索都将在规则之外解决。
What are the cheque endorsement requirements? 支票背书的要求是什么？
The Bills of Exchange Act addresses the negotiation of an item by endorsement in section 61. An endorsement in order to operate as a negotiation must be written on the bill itself and be signed by the endorser and must be an endorsement of the entire bill.
《汇票法》第 61 条通过背书解决了一个项目的议付问题。为了进行议付，背书必须写在汇票本身并由背书人签署，并且必须是对整个汇票的背书。
Each financial institution has the right to determine which items they will or will not accept and may return a cheque through the clearing within the next business day time frame (in accordance with Payments Canada Rule A4 section 5) for any reason payment is refused or cannot be obtained. Each financial institution has their own internal policies and risk tolerance when determining whether or not they will refuse or accept a payment item.
每个金融机构都有权决定他们将接受或不接受哪些项目，并可以在下一个工作日的时间范围内通过清算退回支票（根据加拿大付款规则 A4第 5 条），无论出于何种原因付款被拒绝或不能获得。每个金融机构在决定是否拒绝或接受付款项目时都有自己的内部政策和风险承受能力。
Can I deposit a third-party cheque? 我可以存入第三方支票吗？
It’s up to each financial institution to decide which items they’re willing to accept, so you should ask your branch.
由每个金融机构决定他们愿意接受哪些项目，因此您应该询问您的分支机构。
