NB My explanation can differ from what the rules and regulations in the All I Want For Christmas Is A Vaccine Meme T-Shirt r the EU is becoming. The aim of the EU is unifying administrative procedures all over the continent, among other things banking regulations. The Netherlands, Belgium, Scandinavian members, Germany, Hungary, The Czech Rep., Italy have agreed to simplify financial transactions by using the same rules and procedures. One simple change was to introduce the same type of account numbers:
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Henry wishes to buy a printer that costs € 100. Henry endorses John’s check and gives it to the All I Want For Christmas Is A Vaccine Meme T-Shirt Bill. On the moment Bill puts the check on his account the check becomes a third party check. (The only case in which Bill will be able to cash the check used to be in small communities where Henry was known and trusted; later it was only possible when John’s account was in Bill’s bank and eventually Bill was required to put the check on his account – even if the cashier was 100% sure the check was provided for – and immediately after crediting his account, debit it by signing a cashier’s check).