{"id":219,"date":"2024-05-16T00:00:00","date_gmt":"2024-05-15T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/01\/13\/comment-regulariser-un-cheque-sans-provision\/"},"modified":"2026-03-20T14:58:11","modified_gmt":"2026-03-20T12:58:11","slug":"comment-regulariser-un-cheque-sans-provision","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/comment-regulariser-un-cheque-sans-provision\/","title":{"rendered":"Comment r\u00e9gulariser un ch\u00e8que sans provision ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">L<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/linterdiction-bancaire\/\" target=\"_blank\" rel=\"noreferrer noopener\">'interdiction bancaire<\/a> d'\u00e9mettre des ch\u00e8ques dure 5 ans \u00e0 compter de la date de pr\u00e9sentation du dernier\u00a0ch\u00e8que sans provision. Vous pouvez, pendant cette p\u00e9riode, r\u00e9gulariser votre situation \u00e0 tout moment, pour\u00a0lever l'interdiction bancaire.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">R\u00e9cup\u00e9rer le ch\u00e8que aupr\u00e8s du b\u00e9n\u00e9ficiaire en le payant autrement<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez contacter le <strong>b\u00e9n\u00e9ficiaire <\/strong>du ch\u00e8que impay\u00e9 ? C'est alors la solution la plus simple. R\u00e9glez-le par un autre moyen, par exemple en esp\u00e8ces. Et surtout <strong>r\u00e9cup\u00e9rez le ch\u00e8que<\/strong>. Restituez-le ensuite \u00e0 votre banque. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, c'est la <strong>preuve de la r\u00e9gularisation<\/strong> : seule la restitution du ch\u00e8que fait foi. Un re\u00e7u ou une attestation de paiement n'a aucune valeur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Constituer la provision n\u00e9cessaire et ...<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous avez r\u00e9cup\u00e9r\u00e9 de l'argent sur le compte, vous avez alors 2 possibilit\u00e9s pour r\u00e9gulariser le ch\u00e8que.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">... demander au b\u00e9n\u00e9ficiaire de repr\u00e9senter le ch\u00e8que au paiement<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous avez reconstitu\u00e9 une <strong>provision suffisante<\/strong> sur votre compte, le b\u00e9n\u00e9ficiaire va pouvoir d\u00e9poser \u00e0 nouveau le ch\u00e8que sur son compte. Il sera pay\u00e9. Cela suppose que vous puissiez le contacter. Votre relev\u00e9 bancaire qui atteste du d\u00e9bit en compte permet de justifier de la r\u00e9gularisation et de lever l'interdiction bancaire.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">... ou bloquer la provision correspondante<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Constituez la provision correspondante pour le paiement du ch\u00e8que aupr\u00e8s de la banque. C'est possible m\u00eame si vous avez cl\u00f4tur\u00e9 votre compte depuis. Demandez-lui de bloquer cette somme. Celle-ci sera alors exclusivement destin\u00e9e \u00e0 payer le <strong>ch\u00e8que <\/strong>lorsqu'il se pr\u00e9sentera \u00e0 nouveau. Ce blocage de provision suffit pour lever l'<strong>interdiction bancaire<\/strong> sans attendre que le ch\u00e8que soit repr\u00e9sent\u00e9 et pay\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La somme bloqu\u00e9e redeviendra disponible dans 2 cas :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>d\u00e8s la remise du ch\u00e8que si vous avez r\u00e9gl\u00e9 la somme par un autre moyen,<\/li><li>au bout d'un an, \u00e0 compter du blocage, si la somme n'a pas \u00e9t\u00e9 utilis\u00e9e pour payer le ch\u00e8que. Le r\u00e8glement peut intervenir pendant toute la dur\u00e9e du blocage de la provision, m\u00eame si le d\u00e9lai de validit\u00e9 du ch\u00e8que est d\u00e9pass\u00e9.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter<\/strong> : des frais bancaires pourront \u00eatre per\u00e7us. En revanche, il n'existe plus aucune p\u00e9nalit\u00e9 lib\u00e9ratoire (timbres fiscaux dus au Tr\u00e9sor Public) depuis plusieurs ann\u00e9es.<\/p>\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\" 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class=\"publication__extract\">Emettre un ch\u00e8que sans provision est un acte ill\u00e9gal et lourd de cons\u00e9quences. 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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>L'interdiction bancaire d'\u00e9mettre des ch\u00e8ques dure 5 ans \u00e0 compter de la date de pr\u00e9sentation du dernier\u00a0ch\u00e8que sans provision. Vous pouvez, pendant cette p\u00e9riode, r\u00e9gulariser votre situation \u00e0 tout moment, pour\u00a0lever l'interdiction bancaire. R\u00e9cup\u00e9rer le ch\u00e8que aupr\u00e8s du b\u00e9n\u00e9ficiaire en le payant autrement Vous pouvez contacter le b\u00e9n\u00e9ficiaire du ch\u00e8que impay\u00e9 ? C'est alors la [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":4444,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":12,"views":39294,"viewed_at":"1778492730","newsletter":"0","_yoast_wpseo_primary_category":28,"footnotes":""},"categories":[27,28,20],"tags":[],"class_list":["post-219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-cheque","category-le-cheque-sans-provision","category-mes-moyens-de-paiement"],"yoast_head":"<title>Comment r\u00e9gulariser un ch\u00e8que sans provision ? - Le ch\u00e8que sans provision - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"L&#039;interdiction bancaire d&#039;\u00e9mettre des ch\u00e8ques dure 5 ans. 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