MSE Poll: How often do you use cheques? 31 October 2017 at 5:34PM in Money Saving Polls 19 replies 5.3K views

Former_MSE_Karl

Poll started 31 October 2017

How often do you use cheques?

A new cheque clearing system starts to roll out this week which means cheques will clear no later than the end of the next weekday, rather than taking up to six – and you may soon be able to deposit cheques by sending a picture of them.

Yet are cheques a thing of decline for many?

How often do you use a cheque to pay – which of these is nearest to your situation?

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mrmajika

I think the results will largely depend on how many children you have. I don't pay by cheque unless I have to, as an alternative to cash. All my cheques in recent years have been to school for school trips, school photos etc.

alex_read

Used to use them but then migrated to Finland. The huge processing rates & somewhat the cheque expiry dates have rendered this method of sending/receiving money unusable.

Having said that you do get a good show of people pannicking, rushing round & literally all members of staff collectively asking what’s a cheque? what do we DO with this bit of paper? Do we have a process for this? etc. in the Nordic banks :cD Worth taking popcorn if you have a few hours to spend...

Jake_027

The only place I use them is a concert hall which charges for paying by card (even debit card) but bizarrely not by cheque. I've written 5 cheques since 2013 and they've all been for this. Other than that the only other use has been to pay for my passport. From working in credit control, I found a lot of people wrote cheques before having money in the account, so I expect a lot of people will be caught out by this new faster clearing system. Personally I much prefer card payments or bacs anyway, you know the money has been sent then and are not left in the lurch for 6 months if someone doesn't bank your cheque.

kathrynha

As a Guide leader I deal with cheques all the time. Most parents pay for subs and trips with cheques, and all out going money is cheques. As we are a charity we need 2 signatures which means a debit card and online banking aren't an option for us, although I have heard some units have found banks where it is an option.

johnathan45

I hate receiving cheques. The last cheque I received was from HMRC and I had to take time off on a working day to go to the bank and pay for the parking.

MoJo

I still find cheques useful an reliable.
We live in a rural area and during the colder months we pay for coal/log deliveries by cheque.
We also go to a lot of shows/ farmers markets & etc. in the area and poor mobile phone coverage means that many stallholders can't take electronic payments - I much prefer carrying a chequebook than having to carry cash.

SandraDJ

I put my cat in a cattery when I go away on holiday. The only choice I have of making a payment is cheque or cash, so I write a cheque each time.

[Deleted User]

I still use cheques wherever possible. I'd like to use them more, but I was forced to take out a few DDs when I opened a Santander 123 account. DDs are a PITA, I used to be baffled as to why people complained about confusing gas/electricity bills until I started paying them by DD.

BobbinAlong

I use cheques a couple of times a year usually to pay club memberships or events when having to post payment.

Askalick

I rarely make payments by cheque now, but as a sole trader providing a service at private homes my customers often prefer to pay me by cheque. I am not in a position to receive payment by card, and cheque is easier than cash for many people, particularly in areas away from town.