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Letter to Bank for Non Clearance of Cheque (Template)

Generally, it takes around 2-5 business days for a cheque to get cleared from the time of deposit by the customer. When a cheque is deposited at the bank, it goes through a certain clearing process to finally clear the cheque and credit one party's account and debit another's.
complaint letter to bank manager for not clearing cheque

If you have issued a cheque in favor of any person or organisation and the party has deposited your cheque in his bank, then you should wait for at least 2-5 working days and if the cheque is still not cleared then a complaint can be lodged at the bank.

Here are two formats of such complaint letters for your reference. Modify suitably.


SAMPLE #1
(Complaint by the party who deposited the cheque with his bank)

Date: ..................

From
(Name of the Account holder)
(Complete Address)
(Telephone No.)

To
The Manager
(Name of the Bank)
(Name of the Branch)

Sub.: Complaint regarding non clearance of cheque
Ref: Savings/Current account number .....................

Dear Sir/Madam,

I am the account holder of the savings/current account bearing number ......................... I have recently deposited a cheque no. ............... dated ................. for ................ which was issued to me by (Name of the Party).

I had deposited the cheque on (Date). Since then .... business days have passed which is sufficient for clearing of any cheque but the money has not been credited to my account yet.

I hope all the formalities from your side have been completed. I have already raised this issue with the paying party and he will take up the issue with his/their bank. Meantime, I kindly request you to please check if there is anything pending from your end in clearance of the cheque and do the needful as may be necessary for clearance of the cheque.

Thanking you!

Yours faithfully,

   (signature)
(Name of the Account Holder)


SAMPLE #2
(Complaint by the party who had issued the cheque)

Date: ..................

From
(Name of the Account holder)
(Postal Address)
(Contact No.)

To
The Manager
(Name of the Bank)
(Name of the Branch)

Sub.: Complaint regarding non clearance of cheque
Ref: Savings/Current account number .....................

Dear Sir/Madam,

I am currently maintaining a savings/current account bearing number .................. in your bank at .......... branch. I had issued a cheque bearing no. .............. dated ............. for ............. in favor of ...........................

I understand the aforementioned party, in favor of whom the cheque was issued, had deposited the cheque in his/their bank on (Date). It has been over .... working days since then. I believe the cheque must have come to your bank for clearance.

Since sufficient time has elapsed for clearing of the cheque, I do not understand neither do I appreciate the delay in clearing of the cheque. Therefore, I request you to kindly look into the matter and clear the cheque at the earliest.

Thanking you!

Yours faithfully,

  (signature)
(Name of the Account Holder)

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