To tell you about something life changing for HSBC customers?!

[santababyconvertible]

I paid some cheques in today .... via my phone! No need to trudge into town with angry DC, queue for ages, pay for extortionate parking !

Apparently they will cash overnight rather than the 3 working days of old too!

News to me but sounds good.

Ooh this is brilliant! I’ve just been grumbling today about when I’m going to find the time to get into town to pay in 2 cheques

Can you do it via normal online banking or does it have to be via the app?

Looks like Nat West don’t have it.

Thank you for this! I am with HSBC and didn't realise so have these annoying trips to the Post Office to pay them in!

DGRossetti ( nice name btw) can you not put them on at a post office?

My bank, Halifax, do this.
Everyone saying they don't receive cheques/haven't used cheques for year, DVLA only issue cheques for car tax refunds so it proved very useful for that.

Natwest should get it soon, they keep on harping about their best mobile app award

DGRossetti ( nice name btw) can you not put them on at a post office?

Thanks and - not quite sure what you mean ?

@bumblenbean I did mine via the app not sure about online banking

Ohhhhh this is exciting. Wonder if I can do this with first direct. They are part of the same group so 🤞

More years ago than I care to think - pre computers! - cheques used to take 3 days to clear - why oh why in this day & age does it take so long?

Since my bank is next door to my local pub, I'm going to stick to the old fashioned way of paying in, if that's OK.

Do first direct or tsb do this.

I use a ridiculous amount of cheques paying for stuff at school. I use a full cheque book about every 2 months.
They are finally swapping to online payments in January as they are going cashless, thank goodness.

Wow I had no idea about this - thanks for posting.

OMG, I had no idea that my bank did this! Thanks!

How can they tell that the cheque hasn't been tampered with?

Not First Direct - called them to check this evening. It seems as if they will be speeding up processing of cheques so they clear in 24 hours but those cheques will still need to be sent to FD or paid in at HSBC branch. So in the pipeline but no confirmed date ie not during 2019.

We do this, and also bank cheques at the post office. Before then we would end up with out of date cheques as never find time to go into a branch as they are a pain to get to and often end up paying to park.

How can they tell that the cheque hasn't been tampered with?

Presumably by sight ?

Ultimately there are 4 key pieces of information on a cheque:

1 - bank details of the person whose cheque it is
2 - double-entry details of amount
3 - name of payee
4 - date
5 - (optional) cheque guarantee details

all topped off with the originators signature

As long as they are in order, and the cheque isn't stolen, there's no reason not to honour it. Especially since it has to be paid into a bank account, so can be traced onwards if there's fraud.

(Incidentally, the bold bit is why - despite my very real and visceral hatred of cheques - they're here to stay. Whatever banks say. They're the only way outside of cash where the recipient doesn't need to disclose anything more than his name. Until we have replacement system, it's not going anywhere ...)

Thanks OP! I detest cheques but some people still pay my husband them, I'm with Halifax so I will definitely use this!

All those cheques cashed today!

Thanks, this has changed my life - one less trip to town!!