Paying Cheques into Co-op Bank *via* Another Bank Branch

Queen.For.A.Day

I need to pay some cheques into my Co-op Account.

If I hand over the chques and apying-in book to a teller in a branch of
Lloyds, Barclays, Natwest, Santander, Halifax, or HSBC
will I be charged?

SnowTiger

Queen.For.A.Day wrote: »

I need to pay some cheques into my Co-op Account.

If I hand over the chques and apying-in book to a teller in a branch of
Lloyds, Barclays, Natwest, Santander, Halifax, or HSBC
will I be charged?

You can't pay a cheque in to your Co-operative Bank account via another bank.

You may be able to pay it in to your account via the Post Office. You suggest you have personalised paying in slip: http://www.postoffice.co.uk/branch-banking-services#cooperativebank.

downshifter

You can pay in at post office but they only send it off in the post anyway so why not just post them yourself? Quicker.

Queen.For.A.Day

SnowTiger wrote: »

You can't pay a cheque in to your Co-operative Bank account via another bank.

I wasn't aware of that.

Didn't it used to be that you could?

teddysmum

Queen.For.A.Day wrote: »

I wasn't aware of that.

Didn't it used to be that you could?

Are you , perhaps, confusing this with using your plastic in another institution's machine or cashing in a cheque drawn on another bank ?

KJSmith

Queen.For.A.Day wrote: »

I wasn't aware of that.

Didn't it used to be that you could?

You still can. The other banks will most likely just decline to do it though.

EssexExile

teddysmum wrote: »

Are you , perhaps, confusing this with using your plastic in another institution's machine or cashing in a cheque drawn on another bank ?

You always used to be able to deposit a cheque at any bank but they'd charge. I'm thinking of the days before plastic! Nowadays I use the Post Office because it's free or just post them if I'm flushed.

TheBanker

Actually the problem is that processing a transaction where both the cheque and credit relate to another bank leaves the processing bank open to fraud. If there is a problem with the cheque, they don't have an account to pass a debit to and don't really know who the "customer" is.

When I worked in a bank years ago, we wouldn't accept credits to other banks' accounts for this reason, not even for a fee. We could technically process the credits (I used to pay into my mum's account for her), we just didn't want the liability.

System

They may accept cash deposits with a pre-printed slip if you are their customer.
A triangular credit (with a cheque) is usually a no.

Posting it to Coop bank or getting them to send the Post Office envelopes are easiest.

TheBanker wrote: »

Actually the problem is that processing a transaction where both the cheque and credit relate to another bank leaves the processing bank open to fraud. If there is a problem with the cheque, they don't have an account to pass a debit to and don't really know who the "customer" is.

When I worked in a bank years ago, we wouldn't accept credits to other banks' accounts for this reason, not even for a fee. We could technically process the credits (I used to pay into my mum's account for her), we just didn't want the liability.

TheBanker

Heng_Leng wrote: »

They may accept cash deposits with a pre-printed slip if you are their customer.
A triangular credit (with a cheque) is usually a no.

Posting it to Coop bank or getting them to send the Post Office envelopes are easiest.

Yes, we could accept cash deposits for a fee of £5 (waived if the depositor had a current account with us)

We could also accept credits to business accounts where we had an agreement with the bank who held the account that funds were being deposited to - again we charged for this (in this case, the business holding the account paid). I'm not sure if banks still do this but it was for cases where their wasn't a branch of their own bank nearby.

As mentioned by others, the Post Office of sending the cheque by post are easiest options in this case.

TheBanker

If the OP is still around, this information on the Co-op website might be useful:

Post Office
For cash deposits simply hand over your cash card (Debit or ATM) and the cash you want to deposit. The funds will then be credited to your account immediately, as long as the cash is paid in before the Post Office's cut off time (times may vary, please ask your local Post Office for their cut of time).
For cheque deposits you will need to have a Co-operative Bank cheque deposit envelope for use at the Post Office. These can be ordered via our Internet Banking service or by calling our customer contact centre on 03457 212 212^. Your Post Office may also have an emergency supply - please check with the cashier.
You must use a personalised Co-operative Bank credit slip from the back of your cheque book or paying in book. The credit slip should be placed in the envelope along with the cheque(s). The envelope should be handed to the Post Office cashier who will date stamp the envelope and provide a dated receipt of the number of envelopes deposited. The envelope will then be sent to us for subsequent processing, checking and validation. Payment into your account will be delayed by up to two Business Days when paying in cheques through the Post Office.
Please note, cheque deposit envelopes should not be used to deposit cash or foreign cheques. You are not able to make any payments to your Co-operative Bank Visa credit card at the Post Office.

Paying in by post (cheques only)
Please send cheques with a personalised Co-operative Bank credit slip from the back of your cheque book or paying in book to-
For all accounts except Visa credit cards:
The Co-operative Bank
Blaise Pascal House
100 Pavilion Drive
Brackmills,
Northampton
NN4 7AR