{"id":212,"date":"2025-11-21T00:00:00","date_gmt":"2025-11-20T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/01\/13\/faire-opposition-sur-cheque-comment-et-dans-quels-cas\/"},"modified":"2026-04-13T16:53:22","modified_gmt":"2026-04-13T14:53:22","slug":"faire-opposition-sur-cheque-comment-et-dans-quels-cas","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/faire-opposition-sur-cheque-comment-et-dans-quels-cas\/","title":{"rendered":"Faire opposition sur ch\u00e8que : proc\u00e9dure, motifs et d\u00e9lais"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Vous avez perdu votre ch\u00e9quier ou on vous l'a vol\u00e9 ? Un ch\u00e8que a \u00e9t\u00e9 falsifi\u00e9 \u00e0 votre insu ? Face \u00e0 ces situations pr\u00e9occupantes, il faut rapidement faire opposition pour bloquer le paiement et prot\u00e9ger vos finances. Cette proc\u00e9dure n'est autoris\u00e9e que dans des cas pr\u00e9cis d\u00e9finis par la loi.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dans quels cas peut-on faire opposition sur un ch\u00e8que ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Faire opposition sur ch\u00e8que, c'est donner instruction \u00e0 votre banque de ne pas payer un ch\u00e8que lorsque celui-ci se pr\u00e9sentera au paiement.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les&nbsp;<strong>motifs l\u00e9gaux<\/strong> d'opposition \u00e0 un ch\u00e8que sont strictement encadr\u00e9s par le <strong>Code mon\u00e9taire et financier<\/strong>. Vous pouvez bloquer le paiement d'un ch\u00e8que uniquement en cas de <strong>perte<\/strong>,&nbsp;<strong>vol<\/strong>,&nbsp;<strong>utilisation frauduleuse<\/strong> et proc\u00e9dure de <strong>sauvegarde,<\/strong> <strong>redressement ou liquidation judiciaire du b\u00e9n\u00e9ficiaire<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Que votre <strong>carnet de ch\u00e8que<\/strong> ait disparu ou qu'un ch\u00e8que isol\u00e9 se soit \u00e9gar\u00e9, ces <strong>motifs<\/strong> justifient une opposition imm\u00e9diate.<\/li><li>L'<strong>utilisation frauduleuse<\/strong> couvre les cas de falsification : <strong>imitation de signature<\/strong>, <strong>modification du montant<\/strong> ou changement du b\u00e9n\u00e9ficiaire. Si vous constatez qu'un ch\u00e8que a \u00e9t\u00e9 alt\u00e9r\u00e9 frauduleusement, l'opposition est l\u00e9gale.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aucun <strong>litige commercial<\/strong> (m\u00e9contentement, retard de livraison, d\u00e9faut de qualit\u00e9, etc.) ne justifie une opposition.&nbsp;En revanche, quand vous \u00e9mettez un ch\u00e8que, l'entreprise <strong>b\u00e9n\u00e9ficiaire<\/strong> (qui encaisse le ch\u00e8que) peut \u00eatre en difficult\u00e9 financi\u00e8re. La loi pr\u00e9voit que dans ce cas,<strong> vous pouvez faire opposition pour vous prot\u00e9ger<\/strong>. Cela \u00e9vite un paiement inutile qui pourrait ne pas \u00eatre valable : il est possible que l\u2019entreprise ne puisse pas honorer certaines dettes ou qu\u2019il y ait un risque que le paiement soit annul\u00e9 ou r\u00e9cup\u00e9r\u00e9 par le liquidateur.<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">A savoir : Vous avez perdu un ch\u00e8que que vous alliez encaisser (salaire par exemple) ou il a \u00e9t\u00e9 vol\u00e9 ? Contactez rapidement l'\u00e9metteur du ch\u00e8que (votre employeur par exemple) pour qu'il fasse opposition. En effet, seul l'\u00e9metteur du ch\u00e8que peut faire opposition.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment faire opposition sur un ch\u00e8que perdu ou vol\u00e9 ?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Les diff\u00e9rents canaux pour faire opposition sur ch\u00e8que<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Par t\u00e9l\u00e9phone<\/strong> : d\u00e8s que vous constatezla perte ou le vol de votre ch\u00e8que, contactez imm\u00e9diatement votre banque&nbsp;en pr\u00e9cisant le num\u00e9ro du ch\u00e8que concern\u00e9. Cette d\u00e9claration d'opposition par t\u00e9l\u00e9phone est temporaire et doit \u00eatre confirm\u00e9e par \u00e9crit dans les 48 heures.<\/li><li><strong>En agence<\/strong>, vous devrez signer sur place la lettre d'enregistrement qui fait office de confirmation. La confirmation vous d\u00e9charge de toute responsabilit\u00e9 en cas d'utilisation frauduleuse de vos moyens de paiement apr\u00e8s mise en opposition.<\/li><li><strong>En ligne, <\/strong>depuis votre <strong>espace client<\/strong> sur le <strong>site internet<\/strong> de votre banque (accessible 24h\/24, avec un traitement plus rapide).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici notre <a href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2020\/12\/lettre-opposition-chequier.docx\" target=\"_blank\" rel=\"noreferrer noopener\">mod\u00e8le de lettre pour confirmer votre opposition par \u00e9crit<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Montant, dur\u00e9e et effets de l'opposition sur ch\u00e8que<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">L'opposition peut \u00eatre faite pour un montant pr\u00e9cis si le ch\u00e8que \u00e9tait d\u00e9j\u00e0 rempli ou en blanc (ch\u00e8que vierge).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'opposition dure 1 an et 8 jours \u00e0 compter de la date d'\u00e9mission, p\u00e9riode qui correspond \u00e0 la dur\u00e9e de validit\u00e9 du ch\u00e8que. Pour un ch\u00e8que sans date, il sera \u00e9ventuellement n\u00e9cessaire de faire prolonger l'opposition.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette opposition bloque d\u00e9finitivement l'<strong>encaissement du ch\u00e8que<\/strong> et d\u00e9clenche son inscription au <strong>Fichier national des ch\u00e8ques irr\u00e9guliers<\/strong> (FNCI) g\u00e9r\u00e9 par la Banque de France.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les frais d'opposition \u00e0 un ch\u00e8que ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Votre banque peut vous facturer des <strong>frais d'opposition. <\/strong>Ces frais se situent g\u00e9n\u00e9ralement <strong>entre 10 et 20 euros<\/strong> pour un ch\u00e8que unique et peuvent atteindre <strong>25 \u00e0 30 euros<\/strong> pour une s\u00e9rie de ch\u00e8ques ou un ch\u00e9quier complet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines banques proposent cette prestation gratuitement, tandis que d'autres appliquent des tarifs r\u00e9duits lorsque vous effectuez votre demande via votre <strong>espace client<\/strong> en ligne plut\u00f4t qu'en agence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consultez votre document tarifaire de votre banque pour conna\u00eetre le montant exact applicable \u00e0 votre situation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Combien de temps a-t-on pour faire opposition sur un ch\u00e8que ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'<strong>opposition \u00e0 un ch\u00e8que<\/strong> peut \u00eatre effectu\u00e9e tant que celui-ci reste valide, soit pendant <strong>1 an et 8 jours<\/strong> \u00e0 compter de sa <strong>date d'\u00e9mission, <\/strong>c'est-\u00e0-dire tant que le ch\u00e8que peut \u00eatre encaiss\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devez toutefois agir dans les plus <strong>brefs d\u00e9lais<\/strong> d\u00e8s la d\u00e9couverte de la perte ou du vol. En effet, le <strong>d\u00e9lai d'encaissement<\/strong> d'un ch\u00e8que varie g\u00e9n\u00e9ralement <strong>entre 2 et 8 jours ouvr\u00e9s<\/strong>, rendant la rapidit\u00e9 d'intervention cruciale pour \u00e9viter un d\u00e9bit non autoris\u00e9 de votre compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>confirmation par \u00e9crit<\/strong> de votre <strong>demande d'opposition<\/strong> t\u00e9l\u00e9phonique doit imp\u00e9rativement parvenir \u00e0 votre banque sous <strong>48 heures<\/strong>. Pass\u00e9 ce d\u00e9lai, l'opposition temporaire sera automatiquement lev\u00e9e et le ch\u00e8que pourra \u00eatre encaiss\u00e9 normalement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Que se passe-t-il apr\u00e8s la demande d'opposition ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois votre <strong>demande d'opposition<\/strong> enregistr\u00e9e, votre banque bloque imm\u00e9diatement la <strong>provision correspondante<\/strong> sur votre compte (sauf si le b\u00e9n\u00e9ficiaire se d\u00e9siste ou renonce). Cette somme reste indisponible jusqu'\u00e0 expiration du <strong>d\u00e9lai de validit\u00e9<\/strong> du ch\u00e8que, soit 1 an et 8 jours apr\u00e8s son \u00e9mission.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si le ch\u00e8que est pr\u00e9sent\u00e9 au paiement, il sera automatiquement <strong>retourn\u00e9 impay\u00e9<\/strong> avec la mention \"ch\u00e8que en opposition\". La banque du <strong>b\u00e9n\u00e9ficiaire<\/strong> devra alors v\u00e9rifier la <strong>bonne foi<\/strong> de son client avant de lui restituer le titre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Votre banque n'est pas habilit\u00e9e \u00e0 juger de la l\u00e9gitimit\u00e9 de votre opposition. Elle pr\u00e9serve les droits du b\u00e9n\u00e9ficiaire qui pourrait contester cette d\u00e9cision devant la justice si l'opposition s'av\u00e9rait <strong>abusive<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles cons\u00e9quences pour le b\u00e9n\u00e9ficiaire d'un ch\u00e8que mis en opposition ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsqu'un ch\u00e8que fait l'objet d'une <strong>opposition justifi\u00e9e<\/strong>, le <strong>b\u00e9n\u00e9ficiaire<\/strong> ne peut plus l'encaisser. La banque retourne le titre avec la mention \"ch\u00e8que en opposition\". L'<strong>\u00e9metteur du ch\u00e8que<\/strong> reste redevable du montant, il doit r\u00e9gler par un <strong>autre moyen de paiement<\/strong> ou \u00e9tablir un nouveau ch\u00e8que. Dans ce cas,&nbsp; pour s'assurer de ne pas payer 2 fois, il peut demander au b\u00e9n\u00e9ficiaire une lettre de d\u00e9sistement ou renonciation pour le cas o\u00f9 le ch\u00e8que serait retrouv\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si l'<strong>opposition est abusive<\/strong>, le b\u00e9n\u00e9ficiaire dispose de recours juridiques. Il peut demander au&nbsp;<strong>juge des r\u00e9f\u00e9r\u00e9s<\/strong> la <strong>mainlev\u00e9e de l'opposition<\/strong>, permettant ainsi de d\u00e9bloquer le paiement et de repr\u00e9senter le ch\u00e8que \u00e0 l'encaissement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans tous les cas, l'opposition ne supprime pas la dette initiale. Le <strong>titulaire du compte<\/strong> qui a \u00e9mis le ch\u00e8que vous doit toujours l'argent, quelle que soit la situation ayant motiv\u00e9 sa demande d'opposition.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les risques de faire opposition \u00e0 un ch\u00e8que sans motif l\u00e9gitime ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Faire opposition hors des cas l\u00e9gaux constitue une&nbsp;<strong>opposition abusive<\/strong> sanctionn\u00e9e. Vous risquez jusqu'\u00e0 <strong>5 ans d'emprisonnement<\/strong> et <strong>375 000 euros d'amende<\/strong> (art. L163-2 du Code mon\u00e9taire et financier). Et vous risquez d'\u00eatre <strong>interdit d'\u00e9mettre des ch\u00e8ques<\/strong> pendant 1 \u00e0 5 ans, interdiction prononc\u00e9e par un juge notamment en cas de man\u0153uvres, intention de nuire.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par ailleurs, une opposition injustifi\u00e9e peut d\u00e9t\u00e9riorer votre relation bancaire. Votre conseiller s'interrogera sur votre situation globale et pourra revoir vos produits et services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment annuler un ch\u00e8que d\u00e9j\u00e0 encaiss\u00e9 ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Annuler un ch\u00e8que d\u00e9j\u00e0 encaiss\u00e9 s'av\u00e8re g\u00e9n\u00e9ralement impossible une fois que le paiement a \u00e9t\u00e9 effectu\u00e9 et que votre compte a \u00e9t\u00e9 d\u00e9bit\u00e9.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Cependant, si le ch\u00e8que a \u00e9t\u00e9 encaiss\u00e9 par<strong> erreur ou fraude<\/strong>, vous pouvez d\u00e9poser plainte et contester le paiement aupr\u00e8s de votre banque. Celle-ci ouvrira une enqu\u00eate et vous devrez fournir des preuves (imitation de signature, faux b\u00e9n\u00e9ficiaire, falsification, etc.). Votre banque examinera alors la photocopie du recto pour v\u00e9rifier l'authenticit\u00e9.<\/li><li>Vous avez vous-m\u00eame fait une erreur (montant, ch\u00e8que \u00e9mis par m\u00e9garde, etc.), m\u00eame si la banque ne peut pas annuler le ch\u00e8que, rien ne vous emp\u00eache de demander au b\u00e9n\u00e9ficiaire de vous rembourser.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Que faire en cas d'opposition injustifi\u00e9e ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous \u00eates b\u00e9n\u00e9ficiaire d'un ch\u00e8que et l'\u00e9metteur a fait opposition sans motif l\u00e9gitime ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contactez d'abord l'\u00e9metteur pour obtenir une explication et tenter de trouver une solution ensemble.&nbsp;Si le dialogue n'aboutit pas, vous pouvez saisir le&nbsp;<strong>juge des r\u00e9f\u00e9r\u00e9s<\/strong> pour demander la <strong>mainlev\u00e9e de l'opposition<\/strong>. Cette proc\u00e9dure rapide permet de d\u00e9bloquer le paiement si le magistrat constate l'absence de motif l\u00e9gal d'opposition.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Votre banque peut vous accompagner en fournissant les justificatifs n\u00e9cessaires (r\u00e9f\u00e9rences du ch\u00e8que, attestations\u2026) pour constituer votre dossier. Gardez pr\u00e9cieusement tous les \u00e9changes avec l'\u00e9metteur du ch\u00e8que : ils peuvent servir de preuve en cas de proc\u00e9dure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Questions fr\u00e9quentes sur l'opposition sur ch\u00e8que&nbsp;<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Peut-on faire opposition sur un ch\u00e8que de caution pour l'annuler ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Non, vous ne pouvez pas faire opposition pour annuler un <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/cheque-caution-garantie\/\" target=\"_blank\" rel=\"noreferrer noopener\">ch\u00e8que de caution<\/a>\u00a0(remis lors d'une location ou d'une prestation). A la fin, il doit \u00eatre restitu\u00e9. En effet, le ch\u00e8que de caution n'existe pas juridiquement en droit fran\u00e7ais. Il s'agit en r\u00e9alit\u00e9 d'un d\u00e9p\u00f4t de garantie sous forme de ch\u00e8que, que le b\u00e9n\u00e9ficiaire peut encaisser d\u00e8s sa remise selon les termes convenus. Faire opposition sur ce ch\u00e8que constituerait donc une opposition abusive.\u00a0<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Peut-on modifier ou annuler une opposition ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez modifier ou annuler par \u00e9crit une opposition sur ch\u00e8que, uniquement aupr\u00e8s de votre agence.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Peut-on annuler ou faire opposition sur un ch\u00e8que de banque ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Seule l'agence \u00e9mettrice du ch\u00e8que peut enregistrer l'opposition.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Faire opposition sur ch\u00e8que : proc\u00e9dure, motifs et d\u00e9lais\":<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\">L\u00e9gifrance - L'opposition sur ch\u00e8que aux art. L131-35, L131-84 et L 163-2 et s. C. mon. et fin.<\/a><\/li><\/ul>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 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href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-cheque-sans-provision\/\">\n                N&#039;\u00e9mettez pas de ch\u00e8que sans provision            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Emettre un ch\u00e8que sans provision est un acte ill\u00e9gal et lourd de cons\u00e9quences. 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D&#039;autres moyens de paiement, en particulier la carte bancaire, le pr\u00e9l\u00e8vement, le...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #19a69b\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:374,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/le-cheque-8-reflexes-securite\/&quot;,&quot;title&quot;:&quot;Le ch\u00e8que - 8 r\u00e9flexes s\u00e9curit\u00e9&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:53}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"374\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cheque-8-reflexes-securite\/\"\n         data-title=\"Le ch\u00e8que - 8 r\u00e9flexes s\u00e9curit\u00e9\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le ch\u00e8que - 8 r\u00e9flexes s\u00e9curit\u00e9\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cheque-8-reflexes-securite\/\">\n                Le ch\u00e8que - 8 r\u00e9flexes s\u00e9curit\u00e9            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Avec un ch\u00e8que, vous pouvez payer ou \u00eatre pay\u00e9. Dans les 2 cas, vous devez \u00eatre particuli\u00e8rement vigilant pour \u00e9viter les tentatives de fraude. 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Elle facilite la bonne gestion du compte gr\u00e2ce \u00e0 des produits et services bancaires...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Vous avez perdu votre ch\u00e9quier ou on vous l'a vol\u00e9 ? Un ch\u00e8que a \u00e9t\u00e9 falsifi\u00e9 \u00e0 votre insu ? Face \u00e0 ces situations pr\u00e9occupantes, il faut rapidement faire opposition pour bloquer le paiement et prot\u00e9ger vos finances. Cette proc\u00e9dure n'est autoris\u00e9e que dans des cas pr\u00e9cis d\u00e9finis par la loi. Dans quels cas peut-on [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":4438,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":9,"views":227485,"viewed_at":"1778495739","newsletter":"0","_yoast_wpseo_primary_category":106,"footnotes":""},"categories":[106,27,20],"tags":[],"class_list":["post-212","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-la-perte-ou-le-vol-de-cheque","category-le-cheque","category-mes-moyens-de-paiement"],"yoast_head":"<title>Faire opposition sur ch\u00e8que : proc\u00e9dure, motifs et d\u00e9lais - La perte ou le vol de ch\u00e8que - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Ch\u00e9quier vol\u00e9 ? Ch\u00e8que perdu ou falsifi\u00e9 ? 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