Checkbook Service
Providing customers with a checkbook provided at the request of the customer, subject to clear terms and conditions designed for your convenience and security.
Your Checkbook, Simplified
Providing customers with a checkbook provided at the request of the customer, subject to clear and transparent terms and conditions.
Hisab Bank offers a comprehensive checkbook service designed to meet your personal and business banking needs. Whether you need a standard checkbook or specialized cheques like Saftaja or Certified cheques, we have you covered with secure and efficient solutions.
Choose the Right Check for Your Needs
Issued on current accounts or salary current accounts. Issued in Iraqi Dinars or US Dollars only. Active transactions on the account or documented sources of income are required. The customer’s data must have been updated within the last 12 months. The customer must not be listed on the bounced cheques list within the bank or in Iraq. Cheque books are issued in two categories: (25 or 50) pages only. The cheque book’s value is charged to the customer’s current account, in return for an issuance commission.
Saftaja Cheque
This service is provided to individuals and companies. It involves cheques issued by the bank from its accounts, payable upon presentation. They are usually issued to official, governmental, or semi‑governmental entities for a commission. If they are not cashed by the beneficiary and are no longer needed, they can be canceled, and their value refunded to the requester of issuance.
Conditions
- Filling out the bank’s approved request form.
- Having an account with the bank.
- Sufficient account balance to cover the check value and commissions.
- Directed to a specific and known entity with a stated reason for issuance.
- Possession of a valid unified national ID for the requester.
Certified Cheque
These are the customer’s personal cheques issued from their private cheque book and drawn on their accounts with the bank, signed by them. Their value is deducted in advance from the customer’s account, along with the certification fee, after which they are marked as Payable within their limit and signed by the bank’s authorized representatives. They are subject to the bank’s terms and regulations.
Conditions
- Having a current or debit account for the requester.
- Issuing a checkbook on the customer’s account.
- Sufficient balance to cover the check value and issuance commission.
- Specifying the beneficiary of the check.
- Signing the bank’s approved issuance request form.
ACH Cheque
Electronic Clearing House (ACH) – issued and received to collect check amounts.
Conditions
- The check must be drawn on an Iraqi bank or a bank operating in Iraq.
- The check must be drawn in currencies approved by the bank (Iraqi Dinar or US Dollar).
- The check must be deposited into an account of the same currency.
- The check must be free of any editorial defects and must not indicate that it is a trust receipt or Saftaja_Cheque note.
- The check must conform to the formats approved by the Central Bank of Iraq and contain magnetic data.
- The check must be issued to the order of the account holder or legally endorsed unless it is marked for the first beneficiary only.
- The check must not have been presented and returned more than twice.
Why Choose Hisab Bank for Checkbooks
Our checkbook services are designed for your convenience, security, and peace of mind.
Multiple Options
Choose from 25 or 50‑page checkbooks to suit your transaction needs.
Dual Currency
Available in both Iraqi Dinar and US Dollar currencies.
Secure & Reliable
All checks are issued with bank‑grade security features.
Quick Issuance
Efficient processing and issuance of your checkbook.
Simple Steps to Get Your Checkbook
Obtaining a checkbook from Hisab Bank is quick and straightforward.
Submit Request
Visit any branch and fill out the checkbook request form.
Verification
Our team verifies your account status and eligibility.
Issuance
Your checkbook is prepared and issued to you.
Receive & Use
Collect your checkbook and start using it for your transactions.
Checkbook FAQs
Quick answers to the most common questions about our checkbook services.
How do I request a checkbook?
Visit any of our branches and fill out the checkbook request form. Our team will guide you through the process.
What currencies are available?
Checkbooks are available in Iraqi Dinar (IQD) and US Dollar (USD).
How many pages does a checkbook have?
Checkbooks are available in two categories: 25 pages or 50 pages.
What is the cost of a checkbook?
The checkbook value is charged to your current account, in return for an issuance commission.
Can I cancel a Saftaja cheque?
Yes, if the cheque is not cashed by the beneficiary and is no longer needed, it can be canceled and the value refunded.
What are the requirements for a certified cheque?
You need a current account, sufficient balance, and must specify the beneficiary. The check value is deducted in advance.
Need a Checkbook?
Visit any of our branches to request your checkbook today. Our team will guide you through the simple process.
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