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A Comprehensive Guide – How to fill cheque and PNB Balance Check Number

In today’s digital age, electronic payments have become increasingly popular, but cheques still hold their relevance in financial transactions. In India, Punjab National Bank (PNB) is a prominent banking institution that provides a wide range of financial services to its customers. Established in 1894, PNB has a rich history and has played a vital role in the development of the Indian banking sector. With its extensive branch network and innovative products, PNB aims to empower consumers with convenient and secure banking solutions.


PNB banking products and consumer benefits

PNB offers a comprehensive suite of banking products and services tailored to meet the diverse needs of its customers. These include savings accounts, current accounts, fixed deposits, loans, credit cards, insurance, and more. By availing these services, customers can efficiently manage their finances, access credit facilities, safeguard their assets, and enjoy a seamless banking experience.

As a consumer, PNB can be your reliable financial partner, ensuring that your money is safe and accessible whenever you need it. The bank provides personalised customer service, efficient online banking platforms, and advanced security measures to protect your financial transactions. PNB’s commitment to technology and innovation ensures that you can conveniently access your funds and carry out various banking operations from the comfort of your home or office.

Understanding cheques and their importance – How to fill cheque?

A cheque is a widely accepted and secure method of payment that allows individuals to make transactions using a written order to their bank. It serves as a negotiable instrument, providing a formal and tangible record of a financial transaction. While electronic payments are prevalent, cheques are still used for various purposes such as bill payments, loan repayments, salary disbursements, and business transactions.

It is essential to understand how to fill out a cheque accurately to avoid any errors or complications. Let’s explore the process by considering an example of a Muslim individual named Ali who wants to fill out a PNB cheque.

Step-by-step guide to filling out a PNB cheque & using PNB balance check number

Date: Begin by writing the current date on the top right corner of the cheque. Ensure that the date is correct to avoid any discrepancies during the transaction process.

Payee name: In the “Pay” field, write the name of the person or entity to whom you are making the payment. For example, if Ali is paying rent to his landlord, he would write the landlord’s name here.

Amount in words: On the line below the payee’s name, write the amount of money you want to pay in words. For instance, if Ali wants to pay ₹5,000, he will write “Rupees Five Thousand Only.”

Amount in figures: In the box provided next to the payee’s name, write the payment amount in numerical digits. In this example, Ali would write “5000” in this box.

Account number: In the lower left-hand corner of the cheque, write your PNB account number. This ensures that the payment is debited from the correct account.

Signature: Sign the cheque in the lower right-hand corner using the signature that matches the one provided to the bank during account opening. The signature is crucial for the verification of the cheque.

Cheque Clearing and Crediting Process

Once you have filled out the cheque accurately, the following steps take place for the cheque to get cleared and credited to the payee’s account:

Submitting the cheque: The payer hands over the filled cheque to the payee, who then deposits it into their bank account.

Clearing process: The payee’s bank forwards the cheque to the clearinghouse, which is responsible for processing and verifying the cheque’s authenticity and validity.

Verification and confirmation: The clearinghouse verify the details mentioned on the cheque, including the signature, account number, and available funds. If everything is in order, the cheque proceeds to the next stage.

Debiting and crediting: The payer’s bank debits the specified amount from the payer’s account, and the payee’s bank credits the same amount to the payee’s account.

Funds availability: Once the cheque is cleared, the funds become available to the payee, who can then utilise them as per their requirements.

Importance of Knowing Cheque Writing and Submission Steps

Understanding how to write and submit a cheque is crucial for both individuals and businesses. While digital payment methods are on the rise, cheques still serve as a trusted and widely accepted form of payment. Being knowledgeable about cheque writing ensures accuracy and reduces the likelihood of errors, which could cause delays or complications in financial transactions.

Additionally, knowing the steps involved in the cheque clearing process provides insight into the timeline and ensures that both parties involved are aware of the expected funds availability. This knowledge enables individuals to plan their finances effectively and avoid any inconvenience arising from delayed payments or fund availability.


In conclusion, Punjab National Bank (PNB) stands as a reputable banking institution in India, providing a comprehensive range of financial products and services to meet the diverse needs of its customers. While digital payment methods have gained traction, cheques continue to play a significant role in financial transactions. Knowing how to accurately fill out a cheque and understanding the cheque clearing process is vital for smooth and secure transactions.

By familiarising yourself with the step-by-step process of filling out a PNB cheque, you can ensure that your payments are made accurately and efficiently. This knowledge empowers you to avoid errors and complications that could potentially delay or hinder your financial transactions.

Furthermore, understanding the cheque clearing and crediting process allows you to anticipate the timeline and availability of funds. This knowledge enables you to plan your finances effectively, ensuring timely payments and avoiding any inconveniences arising from delayed funds availability.

In today’s fast-paced world, staying informed about traditional financial instruments like cheques remains important. While electronic transactions offer convenience, cheques provide a tangible and secure means of payment. PNB’s commitment to customer satisfaction, advanced technology, and robust security measures ensures that your financial transactions are carried out smoothly and securely.

Whether you are an individual or a business entity, knowing how to write and submit a cheque accurately is an essential skill. It allows you to maintain financial discipline, effectively manage your funds, and establish trust in your financial interactions.

As you engage with PNB’s wide range of banking products and services, including cheque transactions, you can rest assured that your financial needs are met with professionalism, reliability, and convenience. Embrace the knowledge of cheque writing and submission steps, and leverage PNB’s expertise to navigate the ever-changing landscape of modern banking while retaining the reliability and security offered by traditional financial instruments like cheques.

Shitanshu Kapadia
Shitanshu Kapadia
Hi, I am Shitanshu founder of moneyexcel.com. I am engaged in blogging & Digital Marketing for 10 years. The purpose of this blog is to share my experience, knowledge and help people in managing money. Please note that the views expressed on this Blog are clarifications meant for reference and guidance of the readers to explore further on the topics. These should not be construed as investment , tax, financial advice or legal opinion. Please consult a qualified financial planner and do your own due diligence before making any investment decision.