旅行支票是一種預先印刷的、具有固定金額的支票,持有人需預先支付給發出者(通常是銀行)相應金額,可獲得無條件給付。旅行支票如果丟失或被盜可獲補發,經常用於旅行時換取當地貨幣。由於信用卡的廣泛使用,旅行支票的重要地位已經不如從前;有少數地方並不接受信用卡而接受旅行支票——事實上,更多的地方不接受後者。結果,Travelex現在也發售可像信用卡般使用的"旅行支票卡"。離奇的是,美國運通,在2007年中終止了其自己的旅行支票卡。美國運通宣佈他們在2007年10月31日將不再兌付有效的卡。 其他旅行支票的發展歸因於Thomas Cook組織, 或倫敦財務團體(London financial community)在1772年。
法律條款中旅行支票的當事人是債務人 或 發行人, 即是製作它的組織; 代理人 即是銀行或其他販賣它的地方; 購買人 即是購買它的自然人, 以及收款人 即是購買人在此簽署支票購買商品及/或服務的實體. 由於清關原因,債務人又同時是製作人 和 收款人。
使用和接納
由於安全因素,收款人可要求檢視付款人的照片證件;駕駛執照或護照可以滿足, and doing so would most usefully be towards the end of comparing the purchaser's signature on the i.d. with those on the cheque. The best first step, however, that can be taken by any payee who has concerns about the validity of any traveller's cheque, is to contact the issuer directly; a negative finding by a third-party cheque verification service based on an i.d. check may merely indicate that the service has no record about the purchaser (to be expected, practically by definition, of many travellers), or at worst that he has been deemed incompetent to manage a personal chequing account (which would have no bearing on the validity of a traveller's cheque).
安全問題
A payee receiving a traveller's cheque should follow its normal procedures for depositing cheques into its bank account: usually, endorsement by stamp or signature and listing of the cheque and its amount on the deposit slip. The bank account will be credited with the amount of the cheque as with any other negotiable item submitted for clearance.
In the United States, if the payee is equipped to process cheques electronically at point of sale (see: Check 21 Act), they should still take custody of the cheque and submit it to a financial institution, particularly to avoid any confusion on the part of the purchaser.
存款和結算
如果旅行支票遺失或被盜,應即時通知發行人及當地警署。購買支票時的發票可使退款處理更加快捷。
遺失或被盜
現金支票
證明支票
Money order
參閲
參考
Template:美國運通
American Express Traveler's Cheques merchant site