Bank have lost my cheques

dbcashneeded93

I was hoping someone could answer a question for me, i and my sister opened an executors account with natwest, following my fathers death in november last year, so we can sort out his estate

We needed to pay for some repair bills to his previous home, and the contractor wanted cash as it was a friday, so i wrote a cheque out to cash and took it to the bank, they checked the cheque had me sign the back and issued the money

When i got home and counted out the cash for the contractor, i noticed the bank cashier had included the cheque also, not stamped signed or anything, i was led to believe the bank needs this cheque to process the cash withdrawal so to speak, what happens if i dont take it back and they cannot find it ?

onlypaddy

dbcashneeded93 wrote: »

I was hoping someone could answer a question for me, i and my sister opened an executors account with natwest, following my fathers death in november last year, so we can sort out his estate

We needed to pay for some repair bills to his previous home, and the contractor wanted cash as it was a friday, so i wrote a cheque out to cash and took it to the bank, they checked the cheque had me sign the back and issued the money

When i got home and counted out the cash for the contractor, i noticed the bank cashier had included the cheque also, not stamped signed or anything, i was led to believe the bank needs this cheque to process the cash withdrawal so to speak, what happens if i dont take it back and they cannot find it ?

the man wanted cash....so you went to the bank with a cheque and got cash out anyway.....why not take the cheque out of the equation completely and just draw the cash if you were in the branch? makes no sense.....

dzug1

onlypaddy wrote: »

the man wanted cash....so you went to the bank with a cheque and got cash out anyway.....why not take the cheque out of the equation completely and just draw the cash if you were in the branch? makes no sense.....

??? That sounds to me just what he did

An executor's account won't have a card to do it any other way.

Assuming the cashier noted (or remembers - shouldn't be too difficult) enough details to identify the payment, then they will find some way of processing it, cheque or no cheque.

mclaren32

A cashed cheque is just kept at the branch, it doesnt go anywhere for processing.

They would have swiped the cheque through teller to bring up the credit then processed the withdrawel through the account.