Cashing a Cheque

bytejunkie

question for someone who works in a bank maybe...

is there any rules against a bank cashing a cheque that has been pre written? i.e. if i walk into the bank with a cheque made out for cashing, pre filled, pre signed etc. should they take it? or should they have insisted on me filling it out in front of them?

thanks,

henm2

Should be no problem. If you are not known to the cashier then they may ask you to sign the back of the cheque and also ask you for ID

rb10

You wouldn't usually 'cash a cheque' now ... it's an archaic method of withdrawing cash that, in the days of computers, just uses excessive paperwork.

If you want to make a withdrawal, at most banks you simply put your card in a machine at the counter and enter your PIN (some banks will make you sign a withdrawal slip instead), and you may have to provide extra ID if it's a large amount.

BobQ

If the cheque is crossed A/C Payee it has to be paid into a bank account. Do any banks print cheques that are not crossed these days? Do not think so.

BMN

BobQ wrote: »

If the cheque is crossed A/C Payee it has to be paid into a bank account. Do any banks print cheques that are not crossed these days? Do not think so.

I think the OP is talking about using a cheque from your own chequebook and literally making it payable to "Cash". Most banks still allow for this because some (elderly) customers prefer it over using a card.

The first post is correct. The may also impose a limit on the amount you can withdraw using this method.

elsien

BobQ wrote: »

If the cheque is crossed A/C Payee it has to be paid into a bank account. Do any banks print cheques that are not crossed these days? Do not think so.

That always puzzles me when you see Cash Converter and the like advertising that they will cash benefit cheques etc for you. Always wondered how they could do it with crossed cheques.




(And for those saying cashing counter cheques is archaic, I have to do it most weeks to get cash out for work, and I would expect them to do some double checks if the signature was already signed beforehand. Mainly because this particular branch happily handed over several hundred pounds to someone who wasn't on the authorised signatory list.)

Macca83_2

It depends on the bank. Some prefer the cheque to be made out to cash, some prefer that it's made payable to the account holder. If they don't see you fill out the cheque they may ask you to sign the back of the cheque for comparison. They may need id if the cheque is for a large amount.

For the older generation the use of cheques for cash is more for accounting purposes. They like to go through their statements and tick off their cheques. Not so easy with the chip and Pin machines.

anotheruser

HSBC used to be like this.
Not sure if you can put your card in and withdraw cash but I am pretty certain they required a cheque written for "cash".

LandyAndy

rb10 wrote: »

You wouldn't usually 'cash a cheque' now ... it's an archaic method of withdrawing cash that, in the days of computers, just uses excessive paperwork.

If you want to make a withdrawal, at most banks you simply put your card in a machine at the counter and enter your PIN (some banks will make you sign a withdrawal slip instead), and you may have to provide extra ID if it's a large amount.

BMN wrote: »

I think the OP is talking about using a cheque from your own chequebook and literally making it payable to "Cash". Most banks still allow for this because some (elderly) customers prefer it over using a card.

The first post is correct. The may also impose a limit on the amount you can withdraw using this method.

I still haven't found an ATM that can count out coins.


I'll be cashing a cheque today to replenish our petty cash.


I always take in a pre written and signed cheque and am just asked to sign the back in the view of the teller.

System

They (and daughter First Direct) still do...

In my short time with FD, I tried to use my debit card alone at the HSBC counter and the cashier looked at me like I was an alien.

anotheruser wrote: »

HSBC used to be like this.
Not sure if you can put your card in and withdraw cash but I am pretty certain they required a cheque written for "cash".

Biggles

bytejunkie wrote: »

if i walk into the bank with a cheque made out for cashing, pre filled, pre signed etc. should they take it?

Why would you do that if you suspect it's a problem, instead of writing it out then and there?

Or is it actually someone else's cheque?