Account Payee Cheque: How to Write & How to Deposit in 2026

An account payee cheque is also known as a crossed check, which has two parallel lines mentioned on the top left. Between the two lines, you need to write ‘A/C payee’. Irrespective of many digital options, cheques are one of the popular ways of making financial transactions.

One of the main reasons for choosing cheques as a payment option is because of the security and the simplicity. If you are not aware of what is a payee cheque, read on to know all its key features and benefits.

What is an Account Payee Cheque?

An account payee cheque is different from a regular one due to the reason that you cannot withdraw cash through it. Also, nobody else can deposit it other than the recipient of the funds. 

The following includes the 3 main elements of payee cheque:

• Drawer: The account holder who writes the cheque or the debtor 
• Drawee: The bank to which you write the cheque with the instruction from the drawer to debit the account
• Payee: The recipient to whom the drawer transfers money and the person the cheque is addressed 

Account Payee Cheque Key Features

Below listed are some of the key features of AC payee cheques.

• One of the most essential features is the two parallel lines drawn on the left corner of the cheque. These lines provide a clear indication that you cannot cash it, and the amount is added to your account. It is one of the added security measures that help prevent fraud or misuse of the cheque. 
• It is specified in the name of a particular payee so only the receiver can get funds
• Someone else cannot transfer the amount other than the receiver 
• The amount mentioned in the cheque is debited from the former’s account into the receiver’s account after releasing
• Until the cheque successfully reaches the payee, the drawer has total control of it 
• The encashment can only be received in the payee’s bank account through the banking system

How to Write an Account Payee Cheque?

Creating an account payee cheque is simple. Just follow the steps mentioned below.

1. Write the date correctly on the cheque
2. Mention the name of the payee in the ‘Pay’ section
3. Provide the cheque amount in the numeral form and words
4. Draw two parallel lines on the top left corner of your cheque
5. Sign the cheque on the bottom in the required area
6. Make sure to enter the details accurately, as any mistake can delay the process. 

How to Deposit an Account Payee Cheque?

You can deposit the cheque by following this process:

1. Sign on the back of the cheque  
2. Visit the bank with your ID, cheque and account number
3. Fill in the details on a deposit slip mentioning your account number and cheque amount
4. Submit the cheque with the deposit slip to the bank representative
5. After the clearance of the cheque, the amount is credited to the account

If the drawer has funds available in the account, it may not take up to 4 days for the cheque to get cleared with accurate details.

What is the Significance of a Payee Cheque?

This type of cheque is secured as the bank initiates payment only in the account of the payee. As a payee, you cannot entrust anyone else to receive funds, and this feature works to boost safety. It is important to note that the check is only valid for a total of 90 days.

This type of cheque can be used easily to ensure hassle-free transactions. It helps easily clear your credit card bills or pay loan EMIs. Moreover, you can use it to send and receive funds from anyone. 

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FAQs on Account Payee Cheques

How to make a cheque as an account payee?

You can make a cheque as an account payee by drawing two parallel lines on the left top of a cheque.

How do I encash an account payee cheque?

You can encash the cheque by following the process mentioned below:

• Fill in the encashment form by providing the required details
• Attach this form along with the cheque and your ID proof
• Receive the amount in your bank account after clearance

Wherever the cheque has been issued, and the drawer holds an account, it is necessary to visit that bank branch.

Can you cash a cheque that says account payee only?

No. A crossed cheque does not allow you to cash it. The meaning of a crossed check means that it can only be deposited within a bank account.

Can an account payee cheque be encashed by any person?

No, these cheques are highly secure and cannot be encashed by anyone. The amount will be deposited in the recipient’s bank account only.

Who is a payee in a cheque?

A payee is the recipient who receives the amount for a particular transaction.

What is the validity of an account payee cheque?

The validity of the cheque is 3 months or 90 days.

How long does it take for an account payee cheque to clear?

If it belongs to the same bank as yours, account payee cheque clearance time can be within the same day. If the cheque is from a different bank, it takes up to 3 working days for clearance.

What is a Cross Cheque?

It means that the following cheque can only be deposited into a bank account where the bank cannot instantly cash the cheque amount.

What is the limit of the account payee cheque?

There is no such limit for the account payee cheque. Meanwhile, the account payee cheques are drawn by banks for credit solutions customers. 

Can I deposit an account payee cheque in any branch?

Yes. In most of the cases, you can deposit a payee cheque in any bank branch. However, you need to write the words ‘Payable at Par’ on the cheque.