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e-Cheque is the electronic counterpart of paper cheque, and is issued and presented in digital form. The totally electronic operation process brings you the following key benefits:

Benefits

Added convenience

  • Immediate access anywhere with an internet connection
  • No need to physically pickup or deposit
  • No cheque book required

Better security

  • Uniquely identifiable and protected with digital signing technology that prevents data from being altered
  • e-Cheque details are captured digitally for complete accuracy
  • Use of PIN-protected Security Device / Mobile Security Key and SMS transaction alerts to provide safe and secure service

Increased flexibility

  • Extended cheque deposit cut-off time
  • Issuance, deposit and status enquiry can be performed anytime online
  • Festive themed e-Cheque background designs available for selection

e-Cheque issuance, deposit and other services

HSBC Personal Internet Banking customers

You will need your PIN-protected Security Device / Mobile Security Key for issuance, deposit of e-Cheque and enjoy other e-Cheque services

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e-Cheque Deposit Box Service

Personal Banking customer could use the e-Cheque Deposit Box Service to deposit e-Cheques. Usage of this service does not require a logon to HSBC Internet Banking or PIN-protected Security Device / Mobile Security Key


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HSBC Commercial Banking customers

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  • e-Cheque security features
  • Smart tips to use e-Cheque
  • Digitally signed PDF file format containing information similar to the information on the traditional paper cheque, and with an e-Cheque logo
  • Has the same legal status as paper cheque
  • Is not negotiable or transferable
  • Can issue a forward-dated e-Cheque up to 90 days from today
  • Valid for 6 months from the date of e-Cheque
  • Can issue an e-Cheque with amount up to your pre-set daily transfer limit of non-registered accounts via Personal Internet Banking, which is capped at HKD400,000 per day *
  • Must be addressed to a payee and deposited with a bank accepting e-Cheques
  • Can be used to make Hong Kong Dollar, US Dollar and Renminbi payments
  • Choices of e-Cheque background design available for selection
  • Festive themed e-Cheque background designs available for selection
  • e-Cheque can be uploaded (deposited) through any of the following channels:
    • log on to HSBC Internet Banking
    • via the e-Cheque Deposit Box Service on HSBC's website
    • via the e-Cheque Drop Box on the HKICL website (HK Interbank Clearing Ltd).

*This limit is shared by all available channels (the respective maximum daily transfer sub-limit for local ATM and Personal Internet Banking is HKD400,000, and for overseas ATM and phone banking is HKD50,000).
  • The payer is required to use a PIN-protected Security Device to pass through the Two Factor Authentication (2FA) before issuing an e-Cheque
  • The e-Cheque issuance record kept by the paying bank provides an additional channel for the bank to verify the e-Cheque
  • The adoption of Public Key Infrastructure (PKI) technology in the digital signature of e-Cheque helps to prevent e-Cheque tampering
  • Centralized deposit checking mechanism avoids multiple deposit of same e-Cheque

Dos

  • Obtain the payee's agreement and latest email address for receiving an e-Cheque
  • Ensure that the e-Cheque information has been correctly filled in before the issuance
  • Use a secured electronic channel for e-Cheque delivery or encrypt an e-Cheque before delivery if necessary
  • Remove the e-Cheques from the computer and/or smart phone after the issuance and/or presentment (where applicable) unless record-keeping is necessary

Don'ts

  • Don't input any personal data other than the payee's name (e.g. HK Identity Card number, Telephone number etc) when issuing an e-Cheque
  • Don't scan an image of paper cheque and treat it as an e-Cheque
  • Don't print out the e-Cheque for presentment at bank branches
  • Don't deposit an e-Cheque more than once
  • Don't offer any credit facility to the payee based on an e-Cheque as collateral

e-Cheque Enrolment



e-Cheque Issuance



e-Cheque Deposit



Contact us

By phone

HSBC Premier customers call
(852)2233 3322 (852) 2233 3322

HSBC Advance customers call
(852) 2748 8333 (852) 2748 8333

Other customers call
(852) 2233 3000 (852) 2233 3000

At an HSBC branch

Find your nearest branch

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