Paying in Cheques

The money should be available to you within 2 working days, as long as you submit your cheque before 3:30pm. If you submit your cheque before 3:30pm on a Tuesday, for example, the money should be available to you on Wednesday. If you submit your cheque after 3:30pm on Tuesday, the money should be available on Thursday.

If the cheque is submitted after 3:30pm it will be processed the next working day which means that money will be available 2 days after submission.

We do not process payments over weekends or bank holidays, so if you submit cheques after 3:30pm on Friday or over the weekend, money should become available to you on Tuesday.

Items paid in at Post Offices will take one additional working day to go through Clearing.

Each cheque deposited using the app in the past 99 days is listed in the Deposit History tab at the top right of the 'Deposit a cheque' screen. This shows you the cheque details including images.

To check the status of cheques deposited via the app, please click on the account the cheque was deposited to and click ‘My Transactions’ where your detailed balance information is displayed. Any cheques not yet cleared will be shown as a pending transaction. If there are any issues with cheques you've paid in, we’ll contact you. Please retain the cheque until the money is available in your account.

This is a free service for personal customers, however data rate charges may apply which might be charged by the mobile network provider if you are using your device whilst not connected to a wifi network.

For Business Banking customers, if you pay for depositing cheques, your usual cheque tariff will be applied for each deposit. You will not be charged a credit fee. 

1. Place your cheque on a dark, flat surface.
2. Hold your phone’s camera directly above your cheque. Make sure it’s level, in focus, and fits in the frame.
3. When you see the blue box, hold still for a moment – we’ll take the photo automatically.

You can deposit most types of cheques as long as they are in pounds sterling. This includes UK Government Payable Orders, postal orders, bankers' drafts and Building Society cheques - but not travellers' cheques, bank giro credits and various non-standard cheques.

If we don't accept a particular type of cheque, the app won't accept the cheque and you will be directed to take the cheque to a branch or Post Office where applicable. 

To order a cheque book or a paying-in book:

1. Login to Digital Banking.
2. Select 'Payments and transfers' from the left hand menu.
3. Under the 'Credit/cheque books' heading select either 'Order cheque book' or 'Order paying-in book'.
4. Choose which of your accounts you wish to order against and click 'Next'.
5. Click 'Confirm' to place your order.

Please note: To order a cheque book or paying-in book online you must have previously ordered one for that account through telephone banking.

If the account you are trying to order a cheque book or paying-in book for is not listed, then your cheque/paying-in book preferences have not been recorded for that account and you will need to contact us to place your order.

You can also order a replacement cheque or credit book using Cora, Mobile Banking (via 'Help' then 'Chat to Cora'), in Branch or at one of our ATMs.