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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think that banks need to sort themselves out?

29 replies

AnnaQuayRules · 17/04/2026 17:11

Banks have closed branches as most people now bank online. So why do they not adapt their practice to support online banking???

DH's mother died a few months ago, and probate has just been granted. She had some money in her bank accounts which now goes to DH and his (step) sibling.

Bank have refused to transfer the money into DH's bank account as it is too big an amount. I don't know what their cut off is, but apparently the amount being inherited is too high. So they are sending DH a cheque.

DH has two bank accounts at different banks. One has said they no longer accept cheques, even from another bank. The other bank says that DH can post them the cheque but, given the value, they would advise DH to bring it into a branch and pay it in in person. However, the nearest branch to us is closed for refurbishment and the next nearest is over 70 miles away, and not open on Saturdays.

It seems madness that, in this day and age, banks can't do bank transfers in these scenarios. If necessary DH can take a half day of leave and go to the bank 70 miles away but it feels ridiculous.

AIBU to think that, if banks want to be online businesses, they need to ensure that people can send and receive money virtually. And if they insist that people visit a physical branch then they need to have one to go to?

OP posts:
Alphabet1spaghetti2 · 17/04/2026 18:54

Try Halifax. They moved by bank transfer way more than that for me and all done over the phone. They will also accept large cheques via post and ring you to confirm receipt.
Also first direct we’re very good and again all done via telephone for DH.

Ilikewinter · 17/04/2026 19:05

AnnaQuayRules · 17/04/2026 17:52

The cheque is for MUCH less than £250k!

Yes, DH could open an account online with one of those banks but he'd still need to make a F2F appointment to pay the cheque in apparently - and there aren't any of those for 2 months.

@FlapperFlamingo one of DH's accounts is with Chase which is completely online, and they are refusing to deal with cheques, even ones issued by banks. I think DH used to have a First Direct account years ago, but closed it.

Can you not pay the cheque in on the banking app? I'm with Natwest and got a cheque for car tax refund. I could take photos of it via the app and the money was paid into my bank account. Didn't have to post the cheque off or anything.

AgingLikeGazpacho · 17/04/2026 19:09

This boggles my mind, because how do banks manage to sort out deposits / cash purchases for houses? Our deposit was 220k and we had no problems transferring it across, so not sure why they are being so obstructive in the case of probate?

AnnaQuayRules · 17/04/2026 19:44

Ilikewinter · 17/04/2026 19:05

Can you not pay the cheque in on the banking app? I'm with Natwest and got a cheque for car tax refund. I could take photos of it via the app and the money was paid into my bank account. Didn't have to post the cheque off or anything.

No. Because it's above a certain threshold. I think you can only do that for cheques up to £5k or £10k

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