A cheque is a paper-initiated form payment – a written instruction to your bank to pay a specific amount of money in a specific currency from a specific account held in the name of the account holder with a bank.
The person issuing the cheque on a current or cheque account is the drawer, instructing the bank – known as the drawee bank to pay a sum of money to the payee on the cheque. Normally, cheques are valid for six months unless otherwise stated on the cheque itself. A cheque is considered as stale if more than six months have elapsed on the issuance date.
Cheques are not legal tender – if you owe someone money, they are not obliged to accept a cheque. Instead a creditor is entitled to be paid in legal tender and can refuse payment in any other form.