Cashing a cheque with my nickname

GingerBob_3

Westie983 wrote: »

This is incorrect, yes they are checked after you have used the machine and are rejected by the cashier or the one authorising the cheques, so they can be returned to you.

As suggested to save it being rejected by the cashier after you have used the machine go to the counter instead and they can authorise the cheque on reverse and decide if the cheque can be paid in.

Just letting you know its not automatic the machine, what if you put in a cheque for £2000, and it was read as £20 would you then expect the machine not to be second checked? and amend the figure, or do you think the machine will credit your account with £2000 when it was a £20 cheque and it just goes through?

No its checked before it it emptied.

Seems like the machine is a bit of a waste of time then. A case of un-automation whereby everything it does - apart from issue a photocopy - is manually checked. Might as well just put the cheques in a box to be handled by the cashier.

Westie983

GingerBob wrote: »

Seems like the machine is a bit of a waste of time then. A case of un-automation whereby everything it does - apart from issue a photocopy - is manually checked. Might as well just put the cheques in a box to be handled by the cashier.

Sure, if you want to join the queue at the counter and wait for your cashier, (note its could be only 1 or 2 over lunches) the machine does the same as the cashier but sometimes its much quicker and saves time.

The machine gives you a photocopy on your receipt, the cashier gives you an option for a receipt, not sure what you are getting at with the box? there is also a envelope system if you dont want to use the machine or its out of action this means the cashier processes the cheques when there is a quieter part of the day, or by the end of the day when balancing up.

The choice is yours, as the customer you have lots of options on how to cash your cheque.

Westie983

Westie983

Money_maker wrote: »

With Halifax, the machine reads the cheque and asks you to confirm the amounts match those it has 'read'. It's quite clever really. I used the machine to bank a cheque where the cashier wouldn't accept the date (cant remember the problem now) but it went through ok. Worth a punt.

I know I work for the Halifax, you are lucky that the date was not spotted by the cashier authorising the cheques, people still confirm the amount is correct when it is not, or they cant remember what amount the cheque was for before putting it in the machine, or multiple cheques are misread, or when correcting an error using the keypad customers dont put the :00 at end and its needs correcting manually.

Note since the new £5 notes have been introduced the machine software has been updated and the process of checking the cheque is more automated and less human errors with missing changes/errors in the cheques, so now the wrong date is picked up and the cashier can not override this, and the cheque will be returned, before the update the cashier was checking the cheques manually.

takman

GingerBob wrote: »

Seems like the machine is a bit of a waste of time then. A case of un-automation whereby everything it does - apart from issue a photocopy - is manually checked. Might as well just put the cheques in a box to be handled by the cashier.

The automated machine also reads the card details so it knows what account it needs to be paid into. This means that the checking will simply involve someone quickly going through a like of cheques making sure that the information matches what it has read, which doesn't take very long at all.

If you just put the cheque into a box this will involve you having to fill out a form with the details of the account you want it to be paid into. The person will then have to read the information on the form and the cheque then input this manually into the computer system, which takes a lot longer than the automated machine checks. This also means that you have no receipt to confirm you have paid the cheque in, which could obviously cause problems in the event of a lost cheque.

DigForVictory

Take it to a real human.

Barclays were very thorough with me - my beloved if slightly eccentric Aunt ended up writing the same cheque three times, but at least Everyone was happy there was Absolutely no mistake in intent & execution when it finally went through.

Taking the Milly pass seems eminently sensible in case you get a cashier who isn't that well up on English names (although you would *hope* her colleague & boss would apply astringent common sense).

Best of luck!

Westie983

takman wrote: »

This also means that you have no receipt to confirm you have paid the cheque in, which could obviously cause problems in the event of a lost cheque.

Receipts are on the bottom of the envelope top flap, so when you lick to close the envelope, you pull off the bottom, keep for your records then close the envelope, and post through the letterbox, or how it works in other banks.

Stevie_Palimo

I ran a Company many years ago and often banked cheques that were without signatures and wrong info on them and most went through fine.

During a drink fuelled lunch I had to sign a few cheques and drew a picture of a mans privates instead of the signature to my employee's and they cleared no problem, It is all down the person who looks at them both ends in the bank cashing it and then clearing it, If they pull it out then you will need it re-issued.

Nowadays I do not use cheques and pay by online banking which allows me to use some daft references at times when people annoy me.

takman

Westie983 wrote: »

Receipts are on the bottom of the envelope top flap, so when you lick to close the envelope, you pull off the bottom, keep for your records then close the envelope, and post through the letterbox, or how it works in other banks.

But that won't prove anything, anyone can get an envelope and get receipt even if they don't pay in a cheque. The receipts from the machine prove that you have submitted that cheque to the bank and all the details of the cheque.

Westie983

takman wrote: »

But that won't prove anything, anyone can get an envelope and get receipt even if they don't pay in a cheque. The receipts from the machine prove that you have submitted that cheque to the bank and all the details of the cheque.

Unless I'm wrong, your post said that you dont get a receipt when you use the envelope system, I was correcting your mistake. If you dont want a receipt, then you leave it attached to the envelope.

In reply to having proof, the cashiers will have the envelope, so if there is a discrepancy then you have the envelope number, which corresponds to the envelope that is dropped into the drop box and opened by the cashier, all deposit point envelopes are kept with daily vouchers for six years, of course you do get empty envelopes being posted, but those with cheques in them are checked and credited, and the empty envelopes are kept, if customers come back to query what happened to their cheque.

takman

Westie983 wrote: »

Unless I'm wrong, your post said that you dont get a receipt when you use the envelope system, I was correcting your mistake. If you dont want a receipt, then you leave it attached to the envelope.

In reply to having proof, the cashiers will have the envelope, so if there is a discrepancy then you have the envelope number, which corresponds to the envelope that is dropped into the drop box and opened by the cashier, all deposit point envelopes are kept with daily vouchers for six years, of course you do get empty envelopes being posted, but those with cheques in them are checked and credited, and the empty envelopes are kept, if customers come back to query what happened to their cheque.

Yes unfortunately you are wrong what I actually said was (which you also quoted):

This also means that you have no receipt to confirm you have paid the cheque in

With the envelope system you simply get a receipt that shows you were once in possession of that particular envelope, it does not confirm you have paid a cheque in as I stated. My comment is simply describing the benefits of the automated system over the envelope system.
If your paying in a cheque into the automated system then you get a receipt which confirms they have received your cheque and they can't argue with that. If you paying in a cheque within an envelope you only get a slip that confirms you once had that envelope in your possession. So if your concerned about a mistake being made then the receipt from the automated system if worth far more to you.