A cheque presented for payment has its top corner torn off (removing part of the date/cheque number) and taped back together. The drawer's signature and amount in words and figures remain completely clear and intact. What is the correct procedure for the paying bank?

Question

Banking · Mutilated Cheques

Verified Solution4 OptionsUpdated: October 2026👁️1 View

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Correct answer

Refuse payment treating it as a mutilated cheque unless confirmed/signed by the drawer.

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Answer 1

Deduct a processing fee and pay the cheque.

Answer 2

Cancel the cheque permanently without option for drawer confirmation.

Answer 3

Refuse payment treating it as a mutilated cheque unless confirmed/signed by the drawer.

Answer 4

Pay the cheque as essential details (signature and amount) are intact.

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