{"id":65,"date":"2020-10-13T00:00:00","date_gmt":"2020-10-13T00:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/10\/13\/le-rejet-dun-cheque-sans-provision\/"},"modified":"2021-12-14T17:25:37","modified_gmt":"2021-12-14T15:25:37","slug":"le-rejet-dun-cheque-sans-provision","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/le-rejet-dun-cheque-sans-provision\/","title":{"rendered":"Le rejet d'un ch\u00e8que sans provision"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Avant de refuser le paiement d'un ch\u00e8que pour d\u00e9faut ou&nbsp;insuffisance de provision, la banque doit vous en informer afin de vous permettre de provisionner votre compte. Si vous ne le faites pas, elle vous adressera alors une lettre d'injonction.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L'information pr\u00e9alable<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour \u00e9viter le <strong>rejet de ch\u00e8que<\/strong> et avant d'en refuser le paiement, la banque doit :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>vous informer par tout moyen que vous aurez mis \u00e0 sa disposition, des cons\u00e9quences du d\u00e9faut de provision,<\/li><li>vous inviter \u00e0 approvisionner votre compte au plus vite.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00e9n\u00e9ralement, vous avez 24 ou 48 heures pour approvisionner votre compte. En effet, la banque se doit de traiter ces op\u00e9rations rapidement, notamment vis-\u00e0-vis des b\u00e9n\u00e9ficiaires de ch\u00e8ques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cas particulier :<\/strong> un <strong>ch\u00e8que sans provision<\/strong> \u00e9mis pour un montant \u00e9gal ou inf\u00e9rieur \u00e0 15 euros ne peut \u00eatre refus\u00e9 par votre banque. En cons\u00e9quence, il sera d\u00e9bit\u00e9 de votre compte et fera l'objet d'int\u00e9r\u00eats d\u00e9biteurs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La lettre d'injonction<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous n'avez pas approvisionn\u00e9 votre compte suite \u00e0 l'information pr\u00e9alable de la banque, celle-ci vous adressera alors (et ce \u00e0 chaque rejet de ch\u00e8que) une lettre d'injonction de ne plus \u00e9mettre de ch\u00e8ques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette<strong> lettre d<\/strong><strong>'<\/strong><strong>injonction<\/strong> est envoy\u00e9e :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>en recommand\u00e9 s'il s'agit du premier ch\u00e8que d'une s\u00e9rie d'incidents,<\/li><li>en courrier simple pour les ch\u00e8ques suivants de cette m\u00eame s\u00e9rie.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Vous \u00eates <strong>interdit bancaire<\/strong> pendant 5 ans, sauf r\u00e9gularisation : vous n'avez plus le droit de faire des ch\u00e8ques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La lettre vous informe sur :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>votre situation,<\/li><li>la port\u00e9e de l'interdiction et ses cons\u00e9quences,<\/li><li>les moyens de r\u00e9gulariser votre situation.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cette lettre vous demande de restituer les formules de ch\u00e8ques encore en votre possession (puisque vous n'avez plus le droit d'\u00e9mettre des ch\u00e8ques).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous aviez des mandataires, toutes les formules de ch\u00e8ques d\u00e9tenues sur votre compte, par eux comme par vos cotitulaires, devront \u00eatre restitu\u00e9es \u00e0 la banque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\" rel=\"noreferrer noopener\">Legifrance - Lettre d'information et d'injonction aux art. L131-73 \u00e0 L131-82 et R131-15 et s. Code mon\u00e9taire et financier<\/a><\/li><li><a target=\"_blank\" href=\"http:\/\/www.banque-france.fr\/accueil.html\" rel=\"noreferrer noopener\">Le site de la Banque de France<\/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\" 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(vous-m\u00eame par exemple) comme seul responsable (...)<\/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;:407,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-cheque-sans-provision\/&quot;,&quot;title&quot;:&quot;N\\u0027\u00e9mettez pas de ch\u00e8que sans provision&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:13}\"\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     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         <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\">N&#039;\u00e9mettez pas de ch\u00e8que sans provision<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Emettre un ch\u00e8que sans provision est un acte ill\u00e9gal et lourd de cons\u00e9quences. 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><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Avant de refuser le paiement d'un ch\u00e8que pour d\u00e9faut ou&nbsp;insuffisance de provision, la banque doit vous en informer afin de vous permettre de provisionner votre compte. Si vous ne le faites pas, elle vous adressera alors une lettre d'injonction. L'information pr\u00e9alable Pour \u00e9viter le rejet de ch\u00e8que et avant d'en refuser le paiement, la banque [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":4445,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":6,"views":25721,"viewed_at":"1778426792","newsletter":"0","_yoast_wpseo_primary_category":28,"footnotes":""},"categories":[27,28,20],"tags":[],"class_list":["post-65","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>Le rejet d&#039;un ch\u00e8que sans provision - Le ch\u00e8que sans provision - Les cl\u00e9s de la banque - Particulier<\/title>\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\/le-rejet-dun-cheque-sans-provision\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le rejet d&#039;un ch\u00e8que sans provision - Le ch\u00e8que sans provision - Les cl\u00e9s de la banque - Particulier\" \/>\n<meta property=\"og:description\" content=\"Avant de refuser le paiement d&#039;un ch\u00e8que pour d\u00e9faut ou&nbsp;insuffisance de provision, la banque doit vous en informer afin de vous permettre de provisionner votre compte. Si vous ne le faites pas, elle vous adressera alors une lettre d&#039;injonction. 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