checkbegränsning

Checkbegränsning refers to a restriction or limitation placed on a check. This can manifest in several ways, impacting the validity, negotiability, or the amount that can be drawn from it.

One common form of checkbegränsning is a stop payment order. When a check issuer contacts their bank to cancel a check they have already written, this is a stop payment. The bank will then refuse to honor the check if it is presented for payment. This is often used if a check is lost or stolen, or if there is a dispute with the payee.

Another type of checkbegränsning relates to post-dated checks. A check that is dated in the future cannot be cashed or deposited until that future date arrives. Banks will typically refuse to honor a post-dated check presented before its stated date.

There can also be numerical or literal amount limitations. If the numerical amount written on a check differs from the amount written out in words, the amount written in words usually takes precedence. In some jurisdictions, there may be legal limits on the maximum amount that can be written on a check, though this is less common for personal checks.

Finally, certain types of checks may have inherent restrictions. For example, a "non-negotiable" or "void if altered" notation on a check signifies specific limitations on its transferability or usability. Understanding checkbegränsning is important for both payers and payees to avoid issues with check processing and payment.