e-Cheque Services - Hang Seng Bank

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e-Cheque Services

e-Cheque, a paperless cheque issuance and deposit experience, makes your cheque payment easier and more convenient. It retains the basic functions of paper cheques, together with the benefits in the following aspects:

Issuance	– anytime, anywhere at Hang Seng e-Banking platforms
Security	– signed using the electronic certificate issued by the recognised Certification Authority and secured by us
Electronic Delivery	– to your payee by various means such as email, or direct deposit at Hong Kong Interbank Clearing
	Limited’s e-Cheque Drop Box Service
Deposit	– online present e-Cheques for deposit without visiting our branches or our cheque machines
Status Tracking	– online tracking of the issuance and deposit status at Hang Seng e-Banking platforms

How does it work ?

3 easy steps to issue and deposit e-Cheque via Hang Seng e-Banking platforms:

Payer issues the e-Cheque online.
Payer downloads and delivers the e-Cheque to the payee by electronic means.
Payee deposits the e-Cheque via Hang Seng e-Banking platforms or Hong Kong Interbank Clearing Limited’s e-Cheque Drop Box Service.

e-Cheque Issuance Service

Supports e-Cheque¹ issuance via HKD, USD and RMB current accounts (Available for Personal e-Banking and Business e-Banking²)
Secured with e-Banking Security Device
A maximum daily transfer limit³ has to be set up

Personal customer: Fill in Daily Limit Maintenance Form to set up the daily limit of "Non-registered Accounts via e-Banking"
Business customer: Fill in Hang Seng Business e-Banking Service Amendment Form to set up the daily transfer limit of "Non-Designated Beneficiary Accounts"

SMS notification generated to payer’s mobile phone
Personal e-Banking and Business e-Banking will facilitate the payer to apply a free electronic certificate (“Bank-Cert”) for producing the digital signature(s) on the e-Cheques

e-Cheque Deposit Service

	Hang Seng e-Banking Platforms²			Hong Kong Interbank Clearing Limited (HKICL)
Platforms	Personal e-Banking	Business e-Banking	Hang Seng HSBCnet	e-Cheque Drop Box Service⁴
Cut-off Time	19:00 on clearing days			17:30 on clearing days
Status Tracking	Available for e-Cheques deposited via Hang Seng e-Banking platforms and HKICL^*			Available for e-Cheques deposited via HKICL only
Daily Deposit Caps	Unlimited number of e-Cheques and total amount

* The status tracking for e-Cheque deposited via HKICL is not applicable to Hang Seng HSBCnet.

e-Cheque Security

The payer is required to use the e-Banking Security Device when issuing e-Cheque.
Every e-Cheque carries the digital signatures of both the payer(s) and the payer’s Bank. e-Cheque has adopted Public Key Infrastructure (PKI) technology in the digital signature to prevent forged e-Cheques.
All e-Cheques will pass through an All-banks-centralized Presentment Checking Mechanism to avoid duplicated presentments of those e-Cheques.

Useful information for respective Hang Seng e-Banking platforms

Personal e-Banking	Business e-Banking	Hang Seng HSBCnet
e-Cheque Services Demo	e-Cheque Services Demo	e-Cheque Deposit Section
FAQ	FAQ	-

For more information, you can contact
Personal Customer	Commercial Customer
24-hour Customer Service Hotline 2822 0228	24-hour Business Partner Direct 2198 8000

Notes:

e-Cheques are not negotiable nor transferable. Forward-dated e-Cheque issuance can be up to 90 days.
Not available on Hang Seng Mobile Applications.
For personal customer, e-Cheque issuance is subject to the Daily Transfer Limit of Master Limit for Non-registered Accounts which is shared between e-Banking and ATM channels. For business customer, e-Cheque issuance is subject to the Daily Transfer Limit to Non-Designated Beneficiary Accounts.

Hong Kong Interbank Clearing Limited’s e-Cheque Drop Box Service website is at www.echeque.hkicl.com.hk, or on their mobile applications available on iOS and Android.
Terms and conditions apply. For details, please refer to Integrated Account Terms and Conditions /Business Integrated Account Terms and Conditions (for Integrated Account holders) orAccount Rules (for non-Integrated Account holders).

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