Caj Proses Cek Mulai 1 April 2014

Info kepada penyedia cek atau individu yang terlibat dalam kewangan sesuatu organisasi, bos-bos dan sesiapa sahaja, setiap cek yang dikemukakan kepada bank akan dikenakan caj pemprosesan cek (cheque processing fee) sebanyak RM0.50 bagi setiap cek mulai 1 April 2014.

Caj akan dikenakan kepada entiti yang mengeluarkan cek tersebut.

Cek dikembalikan tetap dikenakan caj. Cek dikembalikan, dan dikemukakan semula, juga tetap dikenakan caj setiap kali dikemukakan. Sekiranya dua kali pihak bank terima cek untuk proses walaupun cek yang sama (presented-returned-represented), maknanya dua kali caj dikenakan.

Garis Panduan Caj Pemprosesan Cek (Guidelines on Cheque Processing Fee) telah dikeluarkan oleh Persatuan Bank-Bank Dalam Malaysia (The Association of Banks in Malaysia) selepas diumumkan oleh Bank Negara Malaysia pada 20 Mac 2013.

Kebanyakan notis dikeluarkan oleh bank-bank di Malaysia mulai Januari 2014 (setakat yang ditemui) dan akan dilaksanakan tidak sampai 3 bulan dari notis dikeluarkan.

GUIDELINES WITH REGARD TO CHEQUE PROCESSING FEE

ISSUED BY THE ASSOCIATION OF BANKS IN MALAYSIA

1. Charging of the cheque processing fee

1.1 With effect from 1 April 2014, a 50 sen cheque processing fee will be charged whenever a cheque is received by a bank for processing, whether for encashment over the counter or for depositing into an account.

1.2 The cheque processing fee will be in addition to the stamp duty collected by the bank.

2. Party to bear the cheque processing fee

The fee is to be charged to the drawer or issuer of the cheque or his account.

3. Banker’s cheque/bank draft/cashier’s order

In the case of a banker’s cheque/bank draft/cashier’s order, i.e. a cheque issued by a bank, the applicant of the banker’s cheque/bank draft/cashier’s order will have to pay the cheque processing fee at the time of application. The cheque processing fee will be in addition to the stamp duty and commission collected by the bank.

4. Cheque returned unpaid

4.1 Generally, if a cheque is returned unpaid, the cheque processing fee will not be refunded and will still be charged.

4.2 This would include the case of a post dated cheque which is being presented by the beneficiary before the date of the cheque. The drawer or issuer will still be charged the cheque processing fee.

4.3 However the cheque processing fee will be refunded if the cheque is returned unpaid due to an omission or error made by the bank concerned e.g. in the case where a good cheque is wrongly returned by the bank.

5. Re-presentation

The drawer or issuer will be charged with the processing fee again when the cheque is represented or each time the cheque is re-presented, if it happens more than once.

6. Regularity of collection of the cheque processing fee

Banks will have the discretion of determining when the cheque processing fee will be collected, be it on a cheque by cheque basis or by batch at the end of a banking day or monthly provided always that prior and reasonable notice is given to their customers.

Dated: 16 January 2014

The Association of Banks in Malaysia Frequently Asked Questions – 50 sen Cheque Processing Fee

1. When will the cheque processing fee be charged?

It will be charged with effect from 1 April 2014.

2. Who will have to bear the cheque processing fee?

The fee is to be charged to the drawer or issuer of the cheque. Generally, the drawer/issuer’s account will be debited.

3. Do I need to add on the cheque processing fee to the amount intended to be written on the cheque to cover the said fee when issuing a cheque?

No, the cheque processing fee will be deducted/debited directly from your account.

4. At what point will the cheque processing fee be charged?

The cheque processing fee will be charged when a cheque is received by the drawer/issuer’s bank for processing. This would apply in the case of encashment of a cheque over the counter or when the cheque is deposited into an account.

5. What other charges will there be besides the cheque processing fee?

The 15 sen stamp duty which is currently payable for each cheque leaf will continue to be charged.

6. If I apply for a banker’s cheque (whether in local or foreign currency, depending on the bank concerned)/bank draft/foreign currency demand draft/cashier’s order, do I have to pay the cheque processing fee?

Yes you do. In the case of a banker’s cheque (whether in local or foreign currency, depending on the bank concerned)/bank draft/foreign currency demand draft/cashier’s order, that is to say a cheque issued by a bank, the applicant of the instrument will have to pay the cheque processing fee at the time of application. The cheque processing fee will be in addition to the stamp duty and commission collected by the bank.

7. If a cheque is returned unpaid, will the cheque processing fee be refunded?

No. Generally, if a cheque is returned unpaid, the cheque processing fee will not be refunded and will still be charged. However, in the event there is an omission or error made by the bank, the cheque processing fee will be refunded.

8. Will the cheque processing fee be refunded to the drawer or issuer if the cheque is returned unpaid due to the omission or error made by the bank?

Yes, under such circumstances, the cheque processing fee will be refunded to the drawer or issuer. This will usually be done by crediting the drawer/issuer’s account.

9. What happens when a post dated cheque is presented by the beneficiary before the date of the cheque?

The drawer or issuer will still be charged the cheque processing fee.

10. If the returned cheque is re-presented to the bank, will a cheque processing fee be imposed again?

Yes, the drawer or issuer will be charged with the cheque processing fee again. The drawer or issuer will be charged each time the cheque is re-presented, if it happens more than once.

11. When will the cheque processing fee be collected by the bank?

Banks will have the discretion of determining when the cheque processing fee will be collected. It can be collected on a cheque by cheque basis or by batch, at the end of a banking day or monthly. Banks must give prior and reasonable notice of the timing of the collection to their customers. You are advised to ensure that there are sufficient funds in your account to cover the cheque processing fee.

12. What happens if I do not have sufficient funds in the account when the bank debits my account for the cheque processing fee?

Each bank will have its own internal policies and proceduresin handling the matter. You are advised to contact the bank quickly to see how best the matter can be resolved.

Sumber: http://abm.org.my/