Cheque Payment Safety

m00c0w04

Hi there,

When someone pays a cheque in at a bank does the bank keep an electronic scan of the cheque anywhere, or retain the original?

The reason I ask is that I have to make a payment to someone via cheque for something, and I was thinking to myself "How could I prove what this payment was for, if I ever needed to?".

I intend to write the reason for payment on the cheque somewhere, but if the original cheque is destroyed and not stored somewhere, then surely I would never be able to prove in court that the cheque wasn't a gift or something?

le_loup

Dodgy transaction?
Images of cheques are available long after cashing.

jonesMUFCforever

Can you give a little more information why you need to pay anybody by cheque.
For instance if you have a bill to pay you should get an invoice etc.

m00c0w04

jonesMUFCforever wrote: »

Can you give a little more information why you need to pay anybody by cheque.
For instance if you have a bill to pay you should get an invoice etc.

Local church is organising a pilgrimage trip that has to be paid via cheque.


To be safe, I wanted some kind of comeback on the cheque, so if I knew it was archived somewhere with "payment for pilgrimage" wrote on it, then I would feel a bit better about it.

le_loup

Yea, best to be safe. You know what pilgrims are like!

bengal-stripe

m00c0w04 wrote: »

Local church is organising a pilgrimage trip that has to be paid via cheque.

Somehow the mind boggles: If you don't trust your local church.....who do you trust?

Ask for a confirmation of your booking which will also be a request for payment. Once the cheque has been cleared, it will be stored by your bank for (I presume) six years.

jonesMUFCforever

I too think OP you are being over cautious.