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Cheques/Promissory Notes

​With İşbank, you can complete your payment and collection transactions arising from cheques and promissory notes fast and secure. More than that, you can choose the most convenient and practical option among the channels offered to you for your payment transactions and save time.​

​With the Certified Cheque, you can create collateral in an amount you prefer for your TL cheques by the help of your loan allocated in our bank. You can use  İsbank’s support for your cheque payments where your account balance is insufficient.


 

With the help of this product, firms you draw cheque can inquire about the collateral specific to your cheque leaf, and notice that your cheque is under the guarantee of İşbank.

 
Features:

 
In order to use the product, TL Merchant Cheque and Certified Cheque Loan must be already allocated for the customer.
Collateral can be created by our cheque issuer customer limited to the available limit of the Certified Cheque Loan allocated specific to each cheque leaf through our branches, internet branch and SMS channels.
The created collateral can be queried through our branches, SMS and ÇEKSOR application and the amount and validity date can be learned.
If the account balance is insufficient during the cheque payment, the remaining amount will be covered from the Certified Cheque Loan limit based on the collateral created.
In case our Bank makes a payment on behalf of the drawer using the Certified Cheque Credit, no new collateral is allowed until the relevant payment amount is paid back to our Bank by the drawer.
During the collateralization process, the commission calculated in proportion to the validity period of the collateral is collected in advance. If there is not enough balance for the commission, no collateral is given. Cancellation can only be made by the branch and upon the submission of the relevant cheque.
The amount to be collateralized by the bank is valid within the specified validity period, the order given by the drawer and the collateral limit gap of the drawer.
The collateral limit is not used for submissions to be made for payment after the cheque submission date.
​The amount collateralized includes the amount of legal obligation.

 

 
If you are a Cheque – Drawer Customer:

 
You can apply to our branches to use our Certified Cheque product through your existing cheque account or the new cheque account you will open.
You can request collateral from our branches, through Commercial Internet Branch, Call Center and SMS channels specific to the cheque leaf.

 
You can inquire about your cheques with collateral by our bank through our Branches, Commercial Internet Branch, Call Center, SMS and İşçep channels.
You can determine the validity period of the collateral you will create for your cheques with your Branch.
In order to send your collateral requests special to a cheque leaf to our Bank via SMS and with your mobile phone registered in our Bank's system;
You can send a message to 4402 by typing;
TEMİNAT (gap) CUSTOMER NUMBER (gap) Branch Code (gap)

 
Cheque Account No (gap) Cheque Number (gap) Amount of Collateral

 
For example: To request 30.000 TL collateral for your cheque

 
TEMİNAT 123456789 1234 1234567 3456789 30000

 
To inquire about your remaining collateral limit via SMS and with your mobile phone registered in our Bank's system;
You can send a message to 4402 by typing;
CEKLİMİT(gap) CUSTOMER NUMBER 
For Example: CEKLİMİT 1234567

 
If you are the Cheque-Holder:

 
In order to inquire about the collateral status of the cheque via SMS;
You can send a message to 4402 by typing;
TEMİNATSOR(gap) Branch Number (gap)Cheque Account Number (gap)Cheque Number
For Example​:  TEMİNATSOR 1234 123467 3456789

 
Special Conditions:

 
No collateralization is possible for cheques issued before 01.07.2010.
The amount to be collateralized by the bank is valid within the specified validity period, the order given by the drawer and the collateral limit gap of the drawer.
The collateral limit is not used for submissions of payment after the cheque submission date.
The amount collateralized includes the amount of legal liability.
Collateralization requests below the minimum amount are not accepted.​

 


 

​​By Findeks QR Code Cheque System you can scan the QR code on the cheque with Findeks Mobile Application installed on your smart device. Hence, the summary cheque report of the cheque drawer can be obtained.

With this application, you can easily demonstrate you are the favorite merchant in commercial relations. You take the advantage of the reputation of your cheque’s payment history and make your payments with your cheques.

 
As a cheque holder, you can easily interrogate the QR Code Cheques. You can reach the summary cheque report of the drawer, and safely decide whether to accept the cheque in return for your receivables.

 
To use the system, both the cheque drawer and the holder must be a member of Findeks. The cheque holder must purchase a Findeks QR Code Cheque interrogation package, and it is mandatory to use QR code in cheques in terms of legal purposes.


 


 

​With the Electronic Cheque / Promissory Note ​Notification, you can send the information of the cheque you give for collection or collateral to our Bank electronically. You can also transfer the results of the traded cheques in an electronic form to your accounting system.

Features:

 
Cheque / Promissory Note information is received by e-mail / ftp.
The statement is reported to the companies electronically for recognition of accounting.
Upon customers' request, it is possible to obtain pre-statement information regarding the expiry of cheques / promissory notes.
 


 


 

​Logo Cheque is the product that enables the logo or the emblems of the companies owned by our customers, to be placed on the cheques they will draw.

Our logo cheque product can be used by all our legal entity customers who want to present their uniqueness and reputation by placing their logos on the cheques they draw.



 

​Continuous Form Cheque is an application for companies that make payments extensively by cheques in a large numbers. We have made the process of drawing cheques more functional by using an application you will install​. This program enables you to print cheques out electronically, using a continuous form.

In order to benefit from the Continuous Form Cheque, you need to request specially designed continuous form cheques from your branch and install the application to your computer.

 
Continuous Form Cheques are in the same size and design as our chequebooks, and unlike other cheques, these types of cheques do not contain stubs.

 
You can download the Continuous Form Cheque Application by clicking here.

 
(If you download the application, the terms of use will be regarded as accepted).

 
Terms of Use

 
İş Bankası Continuous Form Cheque Printing Program is an application provided by Türkiye İş Bankası Anonim Şirketi to its customers’ use for free, for digitalizing the manual cheque issuing and moving it to virtual environment and making it more functional.

 
The software “İş Bankası Sürekli Form Çek Yazdırma Programı” and its ownership, all financial and moral rights exclusively belong to Türkiye İş Bankası Anonim Şirketi’ne (“İş Bankası”). The software may only be used if you agree to the Software License terms and conditions stated below. It is strictly forbidden to use, process, disseminate, reproduce, rent, distribute the software or subject it to any other financial or moral intellectual property rights, except as specified in the Software License Terms below. In the event of such an act, there will arise penal and legal consequences against you.

 
İŞBANK GIVES YOU THE NON-EXCLUSIVE AND NON-TRANSFERABLE SOFTWARE ONLY IF YOU ACCEPT ALL OF THE CONDITIONS HEREIN.YOUR DOWNLOAD AND USE OF THIS SOFTWARE MEANS THAT YOU AGREE TO BE BOUND BY THESE LICENSE TERMS AND CONDITIONS AND THAT YOU ACQUIRE THE RIGHT OF USE BY THESE TERMS. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS, YOU SHOULD NOT DOWNLOAD OR USE THE SOFTWARE. IF THE CONDITIONS ARE NOT APPROPRIATE TO YOU AFTER YOUR ACCEPTANCE, YOU SHOULD IMMEDIATELY STOP USING THIS SOFTWARE AND DELETE ANY COPY OF THE SOFTWARE THAT YOU HAVE OR UNDER YOUR CONTROL. İŞ BANK RESERVES THE RIGHT TO REQUEST YOU TO PROVE THAT THE COPIES OF THE SOFTWARE HAVE BEEN DESTROYED.

 
1. OWNERSHIP: The ownership and all financial and moral rights of the software and all authorized copies you create, belong exclusively to İşbank. The structure, layout and code of the software constitute the valuable intellectual property (eg trade secrets and confidential information) of İşbank. Software, including Turkey and copyright laws in other countries, on condition that it is not limited to these, is protected by laws and international treaties. Except for those clearly stated herein, this agreement does not grant the user ("You") any intellectual property rights of the Software and all rights not clearly granted are reserved by İşbank. İşbank reserves all kinds of damage and other demand claims due to your use of the Software contrary to these Terms.

 
2.LICENCE: Based on the terms and conditions herein, İşbank grants You the right to use one copy of the software program on a single computer, non-exclusive and non-transferable and for a period of time until terminated by İşbank. No other rights have been granted. For this reason, you may not distribute, spread, reproduce, process, lend, lease, transfer in any other way and use any other financial or moral intellectual property rights exclusively owned by İşbank. Failure to comply with these restrictions will result in the automatic termination of the license, and this will arise legal and penal liability as this constitutes a violation of the law.

 
3-USE: The software is used by installing into the computer's permanent or temporary memory. All responsibility for the use of the software belongs to you. The control of the data / outputs obtained as a result of the use of the software is exclusively your responsibility and İşbank does not accept any responsibility for errors that may occur due to the use of the software. The use or dis-use of the software is entirely at your own discretion, provided that these terms are complied with. İşbank does not declare or guarantee that the software will be compatible with your computer or any other program.

 
4.DISCLAIMER OF WARRANTY: The license of the software is given by this conditions and “given as it is.” The risks associated with the use of the software are taken exclusively by you. İşbank does not guarantee the performance or results you can achieve using the software. İşbank does not give any guarantee, state or provision or make any commitments (whether express or implied in any way, whether by law, customary law, customary or usage or otherwise), including the guarantee of commercial value and fit for purpose. Since this software is provided "as it is", İşbank may not provide update and support services for the software.
Since the software is provided "as it is", you should definitely check whether the cheques to be written using the software are legally valid, whether they carry the necessary elements, whether they are valuable documents, and whether the information on them is correct or not. All results obtained through the use of the software are exclusive responsibility of the user and İşbank does not have any guarantee commitments regarding these issues.

 
5.LIMITATIONS: You or a third party acting on your behalf, (i) will not alter the compilation of the software, disrupt or do reverse engineer to the software, (ii) will not modify the software or create derivatives, (iii) in no way use the Software to provide a service office, commercial time-sharing or any other type of computer service to third parties,(iv) will not  send all or a  part of the software or make use of its functions over the Internet or other networks, (v) will not sell, distribute, make use of, spread, rent, lease, sub-license, or transfer the software to third parties, as well as  other limitations set forth in these terms.

 
6.LIMITATION OF LIABILITY: İŞBANK CAN NOT BE HELD RESPONSIBLE FOR; EVEN IF İŞBANK IS INFORMED THAT THESE DAMAGES MAY OCCUR; ANY SPECIAL, OCCASIONAL, INDIRECT LOSS, HARM, USE OR DISUSE OF THE SOFTWARE, INFORMATION OR DATA LOST OR CONTAMINATION, SUPERVISION OF THE SOFTWARE AND UPDATE OF THE SOFTWARE.

 
7. COMPLIANCE WITH LICENSES: If you are a commercial company or establishment, upon request by İşbank or its authorized representative, you agree to document and approve that the software is used in accordance with the valid licenses issued by İşbank within thirty (30) days as of the date of request.

 
8. APPLICABLE LAW AND COMPETENT COURT: These terms are governed by the laws of the Republic of Turkey and therefore it will be interpreted in accordance with said law. In the case of disputes arising from these conditions, the competent courts and enforcement offices are Istanbul Caglayan Courts and Enforcement Office.

 
9.INTEGRITY OF THE AGREEMENT AND CHANGES: If any provision of these terms is found to be invalid or unenforceable by the competent Courts, this will not affect the validity of the remaining terms. These terms can only be changed by İşbank. If it deems suitable, İşbank may give the licenses of the update with different or additional terms. These terms constitute the entire agreement between you and İşbank regarding the software and replace all previous statements, negotiations, commitments, correspondence or announcement and advertisements related to the Software.

 
İşbank reserves the right to change and update these terms at any time in accordance with its own request. İşbank informs about the any change made by posting the information on its website / or sites. Your continuation of the use of the software after changes are made and posted on the website will indicate that you accept these changes. If you do not accept the changes that are made, you must immediately stop using the software and destroy all copies of the Software in your possession or control.

 
10. TERMINATION OF LICENSE: İşbank, whenever it wishes, without providing any notification or compensation, expense, etc. has the right and authority to unilaterally cancel the license of the software and terminate your use and to unilaterally terminate these terms.

 
11. TRADEMARKS AND COPYRIGHT INFORMATION: On this page and the reference given in software, are İşbank, İşbank logo and İşbank products, Türkiye İş Bankası Anonim Şirketi’s trademarks or registered trademarks. The absence of a product name or logo on this website or in the software does not mean that İşbank does not have a trademark or has other intellectual property rights related to this name or logo. All other trademarks referenced on İşbank's website are the property of their respective owners. All rights of İşbank are reserved.

 
12.ENFORCEMENT AND DURATION: These conditions, consisting of twelve (12) articles, will take effect upon downloading the software and will remain in effect until terminated or changed by İşbank. If you have any questions about these conditions or want to get information about this from İşbank, you can contact us using the address and contact information on the Contact Us page.

 

​​Blocked Cheque is one of our products that remark the annotation stating that our Bank is the payment guarantor on the cheques. those cheques of our branches or customers, it is ensured that the money is collected in advance.

You can issue a blocked registered cheque to be drawn in favor of various organizations or individuals, especially the Customs Directorates.


 


 

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