Returned Cheque Reasons
When a cheque could not be cleared, the receiver will receive an Image Return Document (IRD) stating reasons for the return.
- Refer to drawer: Clarifications have to be sought from the person who issued the cheque.
- Effects not cleared: There were incoming funds to the cheque issuer’s account but they did not clear in time to fund this cheque.
- Exceeds Arrangement: The cheque amount may have exceeded the transfer limit on the issuer’s account. Please clarify with the cheque issuer.
- Awaiting Banker’s Confirmation: It is pending issuer’s bank confirmation to release the payment.
Re-Deposit Image Return Document
In the bottom half of the IRD, locate either:
This means that you can deposit this IRD at any DBS/POSB cheque deposit box (like a normal cheque) to get your funds. Kindly ensure that the conditions mentioned below the box are met.
This means that this IRD cannot be deposited. To get your funds, please make alternative arrangements with the cheque issuer (e.g. fund transfer or write a new cheque).
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