Housing Bank offers a certified cheque issuing service in all major currencies. These certified cheques can be drawn against accounts worldwide, using the correspondent bank’s own currency and exchange rates.

1. The customer acknowledges that if the bank closes their account and/or current accounts for any reason, the cheque(s) provided by the bank will become void. The customer will undertake to return them to the bank at the appropriate time
   
   

2. In case the account is joint and managed by a single signature; then any partner in the account shall have the full power of dealing in the joint account and obtain all banking and electronic services and e-cards provided by the bank including the available electronic applications available by the bank and request a cheque book, issue, endorse, and deposit cheques in the account and conduct all banking operations even if the dealing was in favor of any of the account partners personally; and the partners in account approve that the authorized partner in the account and/or authorized of the e-banking service has the right to conduct transfer and/or any financial dealing from the joint account for his personal interest or for the interest of other partners in account or for the interest of a third party, and generally conduct all necessary banking operations via the joint account or any other method or mean and partners will be jointly committed towards the bank for any works and/or financial or bank dealings conducted by the other partner on the joint account and without bank bearing any liability

3. The customer agrees that the bank can inform the Central Bank and other relevant authorities under the Banking Law of returned cheques withdrawn on their existing accounts with the bank and returned for any reason. The bank is authorized to disclose any data related to these accounts to any internal or external party, and this authorization is absolute, binding, and irrevocable. The instructions of the returned cheque unit apply to all partners in the joint account, regardless of their authority to sign for the account

4. The customer agrees for the bank to inform the Central Bank and/or anybody it approves, as well as all the bodies it has the right to inform under the Banking Law, of returned Cheques withdrawn by us on any of our existing accounts with the bank and returned for any reason, and we agree to the bank, despite what is stated in any law. Or instructions or regulations to disclose any data related to our existing accounts with the bank to any internal or external party, and this authorization is considered absolute, binding, and irrevocable or reversible
   
   
5. The customer agrees to a commission of 20 dinars for each cheque returned due to insufficient funds. This commission will be debited from the customer's account without an increase or decrease in commission. If there is no balance in the account, it will be disclosed, and the commission will be credited to the customer’s account, whether it is by a counter check or a clearing house
   
   
6. Withdrawals from current accounts may be conducted via for example, but not limited to cheques, transfer requests, payment orders, and/or official letters meeting all legal conditions, signed as per the customer’s written instructions to the bank
   Once the bank agrees to provide the necessary cheque books and transfer requests, the customer accepts responsibility for any misuse, loss, or failure to preserve these forms, with the customer’s full knowledge and acknowledgment that cheques drawn on current accounts remain valid for disbursement in accordance with the law, banks, relevant instructions, and prevailing customs in the banking community
   
   
7. The customer agrees only to use cheques issued on the bank’s approved forms. The customer also releases the bank from any responsibility that may result from its refusal to cash non-approved cheques. The customer pledges to preserve cheque books received from the bank and is responsible for any loss or damage arising from their use by fraud, error, theft, or loss. The customer must notify the bank if a cheque book is stolen or lost and acknowledges that objections to cashing a cheque must be based on a written request on the bank’s approved forms, and must be in accordance with the provisions of the relevant laws and instructions of the Central Bank
   
   
8. The customer undertakes not to withdraw cheque(s) on any of their current accounts with the bank without sufficient balance. The customer also acknowledges the bank’s right to close their account and/or current accounts and include their names on the lists of customers with whom dealings with the bank have been suspended, and the lists of returned cheques at the Central Bank. The bank has the right to refrain from issuing any cheque books to these customers as long as their name(s) is/are included in the lists of clients suspended from dealing with the Central Bank