All new cheque books issued effective 1 April 2003 will have a pre-printed "A/C Payee Only" crossing on all cheque leaves.

Current Account Holders with existing cheque books without crossing can continue to use these cheques until they are finished. The bank will not charge for Third Party Encashment using these existing cheque leaves until 31 December 2003.

Account holders are kindly advised to take note of the following:

• Encashment by other Third Parties
  The pre-printed crossing would mean that any cheque you issue to third parties will have to be credited into their respective accounts. Should a third party wish to encash your cheque over the counter, please note that a service fee of RM3.00 per cheque will be charged to you (the Drawer). In this case, you must also cancel the pre-printed crossing by signing against it.
• Encashment by other Corporate Current Account Holders
  For Corporate Current Account holders, the bank allows you to appoint up to three members of your staff to encash your company's current account cheques for petty cash purposes. You are requested to submit the names of (Third Parties) authorized for Third Party Encashment to your home branch [Sales & Service Centre (SSC)]. You are also required to cancel the crossing with your signature against it when issuing such cheques. There is no fee charged for such encashment by your nominated Third Party.

Encashment of cheque issued by selected issuer, a service charge per cheque encashed is to be levied and borne by the beneficiary as tabled below;