How checks works : Drawer vs Drawee

A cheque is a document that allows the drawer, who writes it out to payee’s order. It can also go from one person or company directly to another by being drawn on an account at say for example your bank and then going through their system as well before coming back saying “cleared”. The drawer has a checking account at this bank from which payment for certain checks. In this article, we will discuss on Drawer vs drawee

A drawer will handwrite his or her signature on a finished blank check form with spaces for a date. The amount payable in words and figures, name of drawer, address of drawer, and name of the payee. The drawer may also write instructions for what should happen if there are insufficient funds available in his or her account to cover the full amount written on that check. It is not necessary that all these items be present; that depends on individual banks’ policies.

Drawer vs drawee:

A drawer is a person who writes a check. The drawer can be an individual or company that has a checking account from which the check is to pay. The drawer signs the back of each check with their signature.

The drawee bank, also known as “payer bank”. Typically where the drawer’s checking account resides and is responsible for paying out checks to those identified on it. The Checks do write payable by either individuals or companies. But they are always drawing at one bank only—the drawee bank. These are Drawer vs drawee.

The Bank drawer:

When you cash a check, the bank receives your funds collected by a drawee. Your employer wrote the original transaction and becomes known as either: 1) The Banker; or 2)The Check Writer. You are consider as “the payee” in this process. Just because we’re referring back to who gets payment from one party (either salary checks or direct deposit payments).

Who is drawee:

As we already discussed in the Drawer vs drawee section. The drawer is the party that writes the check, which can be an individual or company. That has a checking account from which the check is to pay. Drawer signs the back of each check with their signature.

A drawer writes a check on their bank account. They are the one who gets cash for that particular transaction. The drawer is also known as the “maker”

This process can be reversed when you write a bad or NSF check. The drawer becomes called “the payee” in this case. Because we’re referring back to the person who gets pay from one party.

Who is the drawer on a check?

The drawer (check drawer) is the issuer of the paper check and it is typically the person who has a checking account. They are not necessarily holding the actual check, they just issue the check.

The drawer of the check is usually someone who has an account at that bank, however, that person can also be acting as their own drawer. For example, if you were to go into your local grocery store and write them a check for $20 dollars they will often cash it themselves rather than deposit it into another drawer’s account. This way they don’t have to pay the fees associated with depositing cash or cashing a check-in at their bank and will instead just use that money for themselves. Still confused about Drawer vs drawee read in the above section.

What is the difference drawer vs drawee:

The drawer is the one who is writing the check, whereas the drawee is the one to whom the drawer’s bank account belongs and who will be receiving the drawer’s payment (aka: payor bank). The drawer and drawee play different roles in a transaction with checks. A drawer is a person or entity that writes a check, whereas the drawee is on whose behalf a check was written.

Why does drawer matter in a transaction with checks?

The drawer can be either the drawer of the check (aka drawer), the drawer’s bank (aka drawee), or another third party like a convenience store that accepts checks. The drawer is the one who writes the check, while the drawee is in whose account the drawer deposits his/her funds in order to withdraw money for payments by writing checks.

What is drawee and what purpose do they serve in transactions with checks?

The drawer and drawee play different roles in a transaction with checks. A drawer can be either drawer of a check or a drawer’s bank (aka drawee).

The purpose of a drawee is to receive payments from those providing funds for transactions with checks, as well as provide those with checking accounts/services from which these payments are made. In other words, they securely hold all of your money so that you don’t have to carry cash around everywhere.

Why does drawer matter in a transaction with checks?

The drawer often matters in a transaction with checks because the drawer’s identity is use by the drawee to decide whether or not to accept the drawer’s check. This is typically done by matching the drawer’s signature on the check against the drawer’s signature on file at the drawer’s bank.


The cheque process is not always smooth and can be fraught with problems. In order to avoid these issues, it is important that the drawer of a check knows what they are doing when writing one out. Make sure you have enough funds in your account before issuing a cheque or else there may be insufficient funds available for payment and this could lead to bounced checks and other fees from the bank. If you need assistance figuring out how much money should go into each blank space on a finished check form, we recommend consulting our blog where we’ve written about all things related to cheques including common mistakes people make while using them!

Hope now you understand the difference between drawer vs drawee.


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