Post a cheque

welbeck

i asked my bank to write a banker's draft for a particular purpose.
from my account funds, obviously.
they said they couldn't do that, didn't seem to know what i meant.
when i mentioned the word cheque, trying to explain, they said would i like a cheque book for my account.
while i waited.
they brought it out, with about 5 cheques in it and showed it to each other, marvelling.
they then found a cover for it and proudly presented it to me.
they had printed/bound it the wrong way round, and the stubs were on the outside, so in detaching the written cheque, the stub was there too.
i just detached the stub and put it inside the cover.
for my records.
an interesting experience.

A banker's draft would have incurred charges so be glad you had a cheque .

I read somewhere that cheques will be phased out by 2029. Don’t know how accurate that is,

I now only use them to pay my chiropodist who comes to the house. He is happy to take them, so far.

I usually post a cheque to my branch with a paying in slip. Seems to work fine.

Can you not pay in through online banking? I can

I would be devastated if cheques were phased out. I don’t have internet banking so can’t transfer money so usually send a cheque in a card for birthday presents. I used about 3 chequebooks a year. Also my husband is a gardener and still gets the odd cheque from (mainly elderly) customers.

There seems to be a belief that you have to have a smart phone to use an app.
An app can be downloaded to an iPad or a laptop. Once you have the banking app of your bank you can pay in a cheque as easy as 123.

All the banks have closed in my town but we are getting a banking hub so I will be able to pay in to the BS bank as the post office will not accept cheques to that BS.

I use my local Post Office in Waitrose all the time to pay in cheques with no problems. It is also very good for drawing out cash as well.

I have paid in cheques via the Post Office with no problem and they do give you a receipt.

I agree, my bank have closed four branches that I used to visit now. We can still get to another that is 45 minutes away by bus, but there are terrible queues there and if possible I pay in using their ATMs which they'll help with if necessary.
I do use a banking app now to pay in, but the banks will only accept cheques for a certain amount in this way. Larger cheques still have to be taken to a bank or PO. They suggested that I get a new paying in book which now has a barcode and use that at the post office, so perhaps no need for the envelope you previously had to use as it is simply scanned when the cheque is accepted?
It is insane that your BS won't use BACS, I've used a few building societies over the past 20 years or so and never had this problem. Perhaps you should change building societies, though you may need to use them online. I use the Coventry Building Society and can call them if I have any problems with using the online services, they're very helpful indeed.

Tattooedfidelma

I would be devastated if cheques were phased out. I don’t have internet banking so can’t transfer money so usually send a cheque in a card for birthday presents. I used about 3 chequebooks a year. Also my husband is a gardener and still gets the odd cheque from (mainly elderly) customers.

I used to send cheques to nephew and niece for presents but now do bank transfers after one went missing. Now I do transfers but don't think it is really a good way to receive a present. I never really know if they've noticed that it has been sent, only my niece thanks me, a couple of weeks later.

I have just heard that the DVLA insist on a cheque or postal order(!) in payment for a Driving licence. When are they going to move into the 21st century?

I still use cheques mostly when I send money to the kids by mail for their birthdays.
My bank [a credit union] says cheques are slowly on the way out and banks prefer people use e-transfers..... Sighhhh.....

We just got a cheque for the refund on the road tax for the car we just traded in. We paid the road tax on line.

Get your bank app - and you can pay it in on the app.
Be patient and should be ok. Or ask an internet savvy member of your family (grandchild) to help!
Good luck and let us know how you get on 👍

I sometimes use cheques for gifting money. Mainly, I use them if I donate to a charity after receiving a request from them by post. I send the cheque rather than giving my credit card details.

I consider online transfers to be safer than giving credit card details.

grannybuy

I sometimes use cheques for gifting money. Mainly, I use them if I donate to a charity after receiving a request from them by post. I send the cheque rather than giving my credit card details.

Your Bank details (sort code and account number) are printed on cheques. It's the same as giving your credit card details.

Cabbie21

I have just heard that the DVLA insist on a cheque or postal order(!) in payment for a Driving licence. When are they going to move into the 21st century?

That’s if you apply by post, which is probably very rare.

I have used the Post Office to pay in cheques but always take a photo first.

Never had any problems.

It's like a blast from the past talking about cheques!

I have no idea where our cheque books are. Maybe in the safe. I did find a paying in book the other day.

A lot of banks do have an address to post although it's often not advertised easily. I have just posted one for my son's ISA which ironically is the only way to pay in a cheque at all. You just put sort code and account number on back. Then post it to them it takes a bit longer than scanning on phone does with our current account but is good if you.domt have smart phone.

rocketship

I still use cheques mostly when I send money to the kids by mail for their birthdays.
My bank [a credit union] says cheques are slowly on the way out and banks prefer people use e-transfers..... Sighhhh.....

Sadly that is the root of the problem! Banks prefer e-transfers so they can close more branches so people are forced to use e-transfers! My local bank branch closed but there is still a branch in the town centre, but when I was working I could only go there on a Saturday as weekdays they closed before I could get there whereas the local branch was just within reach when I finished work - ok now I'm retired!

My local Nationwide branch closed despite protestations from many locals. Then shortly after they brought out the ad about Nationwide not closing branches and being 'different' . That made me really angry and I've written to say so and mentioned it in questionaires they have sent out. I mostly use online banking but there are occasions when speaking to a person over a counter is what you need. They claimed the branch was underused, but there was always a queue whenever I went there!

They are disenfranchising many people, especially the elderly who sometimes don't have smartphones or computers! My mum never had even a basic mobile let alone a smartphone or computer, and would have been horrified at the way things have gone.

Cabbie21

I have just heard that the DVLA insist on a cheque or postal order(!) in payment for a Driving licence. When are they going to move into the 21st century?

That's only if the applicant insists on using the postal service instead of applying online or going into the post office.
I don't think its the DVLA that need to move to the 21st century but those who insist on using outdated banking methods such as cheques.