{"id":230,"date":"2021-01-13T00:00:00","date_gmt":"2021-01-12T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/01\/13\/sassurer-de-la-provision\/"},"modified":"2026-04-13T16:54:19","modified_gmt":"2026-04-13T14:54:19","slug":"sassurer-de-la-provision","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/sassurer-de-la-provision\/","title":{"rendered":"S'assurer de la provision"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Avant de payer par ch\u00e8que, vous devez \u00eatre s\u00fbr d'avoir l'argent n\u00e9cessaire sur votre compte et ce jusqu'\u00e0 ce que le ch\u00e8que soit encaiss\u00e9 par le b\u00e9n\u00e9ficiaire. Pour cela, v\u00e9rifiez que le solde de votre compte pr\u00e9sente une provision (ou une autorisation de d\u00e9couvert) suffisante. Tenez compte \u00e9galement d'\u00e9ventuels paiements \u00e0 venir (ch\u00e8ques ou pr\u00e9l\u00e8vements programm\u00e9s) pouvant modifier le solde de votre compte. Sinon, pensez \u00e0 approvisionner au plus vite votre compte pour \u00e9viter le rejet du ch\u00e8que.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L'existence de la provision<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Votre compte doit \u00eatre suffisamment <strong>approvisionn\u00e9 <\/strong>pour que la banque puisse payer le ch\u00e8que :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>soit vous avez l'argent en compte,<\/li><li>soit vous avez une autorisation de d\u00e9couvert.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">C'est ce qu'on appelle la provision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En principe, le compte doit normalement pr\u00e9senter un solde cr\u00e9diteur. Avec l'accord pr\u00e9alable de la banque, le solde du compte peut \u00eatre d\u00e9biteur sous certaines conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Attention : pour \u00e9viter le rejet du ch\u00e8que par votre banque (et donc l'interdiction d'\u00e9mettre des ch\u00e8ques),la <strong>provision <\/strong>doit \u00eatre disponible quand le ch\u00e8que se pr\u00e9sente au paiement. Le b\u00e9n\u00e9ficiaire peut choisir d'encaisser votre ch\u00e8que quand bon lui semble pendant 1 an et 8 jours (dur\u00e9e de validit\u00e9 du ch\u00e8que en France m\u00e9tropolitaine).<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir <\/strong>: En cas de paiement par ch\u00e8que et d'une rentr\u00e9e d'argent \u00e0 venir, tous deux de montants importants, n'h\u00e9sitez pas \u00e0 pr\u00e9venir votre interlocuteur habituel \u00e0 la banque pour s'assurer que l'argent est bien disponible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les pratiques \u00e0 \u00e9viter<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Faire plusieurs ch\u00e8ques pour un m\u00eame paiement<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exemple : Un commer\u00e7ant (par exemple un club de sport) vous propose de payer en plusieurs ch\u00e8ques en vous promettant qu'ils ne seront encaiss\u00e9s que plus tard, un par un (un tout de suite puis un autre chaque trimestre par exemple).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le ch\u00e8que est payable \u00e0 vue et la <strong>provision<\/strong> doit exister \u00e0 sa date d'\u00e9mission : D\u00e8s qu'il est fait, et peu importe qu'il soit dat\u00e9 du mois d'apr\u00e8s, il peut \u00eatre encaiss\u00e9 et pay\u00e9. En cons\u00e9quence, le commer\u00e7ant peut tous les encaisser imm\u00e9diatement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous prenez donc le risque que tous les ch\u00e8ques se pr\u00e9sentent alors que vous n'avez la provision n\u00e9cessaire que pour le premier : ce qui peut conduire la banque \u00e0 vous ficher au Fichier Central des Ch\u00e8ques (FCC).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Faire un \"ch\u00e8que de caution\"<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines personnes demandent parfois \u00e0 b\u00e9n\u00e9ficier d'un <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/cheque-caution-garantie\/\" target=\"_blank\" rel=\"noreferrer noopener\">ch\u00e8que de caution<\/a> (ou de garantie). C'est souvent le cas pour un bail de r\u00e9sidence principale ou une location de vacances. Le ch\u00e8que est cens\u00e9 garantir les d\u00e9g\u00e2ts que vous pourriez faire dans le logement. Certains professionnels le demandent aussi en pr\u00e9textant de s'assurer du r\u00e8glement de leurs prestations (dentistes, entrepreneurs...).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le ch\u00e8que de caution (ou de garantie) n'existe pas en droit fran\u00e7ais. S'agissant d'un ch\u00e8que comme un autre, il peut donc \u00eatre encaiss\u00e9 d\u00e8s qu'il est fait.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devez donc toujours r\u00e9cup\u00e9rer ce ch\u00e8que d\u00e8s lors que l'op\u00e9ration est finie (constat d'absence de d\u00e9g\u00e2ts, prestations r\u00e9gl\u00e9es...). Ne vous contentez pas des affirmations du b\u00e9n\u00e9ficiaire s'il pr\u00e9tend avoir d\u00e9truit le ch\u00e8que.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir <\/strong>: La banque doit toujours payer les ch\u00e8ques d'un montant inf\u00e9rieur \u00e0 15 euros, m\u00eame en l'absence de <strong>provision<\/strong>. Il est interdit de fractionner le paiement en plusieurs ch\u00e8ques de moins de 15 euros pour b\u00e9n\u00e9ficier de cette garantie de paiement. Un commer\u00e7ant qui exigerait de vous ce fractionnement encourerait une amende.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <a target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\" rel=\"noreferrer noopener\">Legifrance Paiement des ch\u00e8ques de 15 euros \u00e0 l'art. L131-82 C. mon.et fin.<\/a><\/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\" 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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class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le ch\u00e8que sans provision<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Comment r\u00e9gulariser un ch\u00e8que sans provision ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:213,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/comment-remplir-un-cheque\/&quot;,&quot;title&quot;:&quot;Comment remplir un ch\u00e8que ? Le mode d\\u0027emploi pas \u00e0 pas&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/remplir-cheque-_BD-150x150.jpg&quot;,&quot;likes&quot;:34}\"\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=\"213\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/comment-remplir-un-cheque\/\"\n         data-title=\"Comment remplir un ch\u00e8que ? 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/encaisser-cheque-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/encaisser-cheque-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/encaisser-cheque-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/encaisser-cheque-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Recevoir un ch\u00e8que en paiement<\/p>\n                                    <\/div>\n            <\/div>\n            <div 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Qu&#039;est-ce qu&#039;un ch\u00e8que sans provision ? Que se passe-t-il si vous \u00e9mettez un tel ch\u00e8que ? Voici (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:200,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-bien-utiliser-cheque\/&quot;,&quot;title&quot;:&quot;Bien utiliser le ch\u00e8que&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:28}\"\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=\"200\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-bien-utiliser-cheque\/\"\n         data-title=\"Bien utiliser le ch\u00e8que\">\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    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-bien-utiliser-cheque\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Bien utiliser le ch\u00e8que<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Rarement utilis\u00e9 chez nos voisins europ\u00e9ens, le ch\u00e8que l&#039;est de moins en moins en France. D&#039;autres moyens de paiement, en particulier la carte bancaire, le pr\u00e9l\u00e8vement, le (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__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    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cheque-8-reflexes-securite\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le ch\u00e8que - 8 r\u00e9flexes s\u00e9curit\u00e9<\/span>\n                <\/h3>\n                                <p class=\"card__article\">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. Conservez votre ch\u00e9quier en (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:578,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-fraudes-aux-operations-bancaires\/&quot;,&quot;title&quot;:&quot;Fraudes aux op\u00e9rations bancaires : comprendre, \u00e9viter, r\u00e9agir&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:86}\"\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=\"578\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-fraudes-aux-operations-bancaires\/\"\n         data-title=\"Fraudes aux op\u00e9rations bancaires : comprendre, \u00e9viter, r\u00e9agir\">\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\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-fraudes-aux-operations-bancaires\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Fraudes aux op\u00e9rations bancaires : comprendre, \u00e9viter, r\u00e9agir<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Les services bancaires \u00e0 distance et les moyens de paiement num\u00e9riques font partie du quotidien. 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href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-fraudes-aux-operations-bancaires\/\">\n                Fraudes aux op\u00e9rations bancaires : comprendre, \u00e9viter, r\u00e9agir            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Les services bancaires \u00e0 distance et les moyens de paiement num\u00e9riques font partie du quotidien. 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Et parce que tout le monde a besoin d\u2019avoir un compte bancaire pour percevoir un salaire, payer...<\/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;:272,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-payer-a-letranger\/&quot;,&quot;title&quot;:&quot;Comment payer \u00e0 l\\u0027\u00e9tranger ?&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:16}\"\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=\"272\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-payer-a-letranger\/\"\n         data-title=\"Comment payer \u00e0 l&#039;\u00e9tranger ?\">\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\">3 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=\"Comment payer \u00e0 l&#039;\u00e9tranger ?\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-payer-a-letranger\/\">\n                Comment payer \u00e0 l&#039;\u00e9tranger ?            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Lors d&#039;un voyage \u00e0 l&#039;\u00e9tranger, la question des paiements peut rapidement devenir une source de pr\u00e9occupation : comment r\u00e9gler ses achats, retirer de l&#039;argent et \u00e9viter les...<\/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 publication--extract\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:37382,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-autonomie-financiere\/&quot;,&quot;title&quot;:&quot;L\u2019autonomie financi\u00e8re tout au long de la vie&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:7}\"\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=\"37382\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-autonomie-financiere\/\"\n         data-title=\"L\u2019autonomie financi\u00e8re tout au long de la vie\">\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\">3 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Hors-s\u00e9rie<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"L\u2019autonomie financi\u00e8re tout au long de la vie\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-autonomie-financiere\/\">\n                L\u2019autonomie financi\u00e8re tout au long de la vie            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Bien plus qu&#039;un simple salaire, l&#039;autonomie financi\u00e8re, c&#039;est la libert\u00e9 de faire ses propres choix tout en s\u00e9curisant son quotidien et son avenir. Elle repose sur la capacit\u00e9...<\/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>Avant de payer par ch\u00e8que, vous devez \u00eatre s\u00fbr d'avoir l'argent n\u00e9cessaire sur votre compte et ce jusqu'\u00e0 ce que le ch\u00e8que soit encaiss\u00e9 par le b\u00e9n\u00e9ficiaire. Pour cela, v\u00e9rifiez que le solde de votre compte pr\u00e9sente une provision (ou une autorisation de d\u00e9couvert) suffisante. Tenez compte \u00e9galement d'\u00e9ventuels paiements \u00e0 venir (ch\u00e8ques ou pr\u00e9l\u00e8vements [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":4425,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":1,"views":10745,"viewed_at":"1778489616","newsletter":"0","_yoast_wpseo_primary_category":107,"footnotes":""},"categories":[27,20,107],"tags":[],"class_list":["post-230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-cheque","category-mes-moyens-de-paiement","category-payer-par-cheque"],"yoast_head":"<title>S&#039;assurer de la provision - Payer par ch\u00e8que - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Avant de payer par ch\u00e8que, vous devez \u00eatre s\u00fbr d&#039;avoir l&#039;argent n\u00e9cessaire sur votre compte et ce jusqu&#039;\u00e0 ce que le ch\u00e8que soit encaiss\u00e9 par le b\u00e9n\u00e9ficiaire : solde cr\u00e9diteur ou autorisation de d\u00e9couvert.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/sassurer-de-la-provision\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"S&#039;assurer de la provision - 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