Regular Savings Accounts: The Best Currently Available List!

SFindlay

happybagger said:

soulsaver said:

Barmy in the current circumstances to be sending cheques, isn't it? 
Come on Tipton, are you not aware of Covid?

Getting off topic so I'll only comment on this once
Are you really suggesting it's a vector of disease? Are you ever aware of a recorded case of any virus from a cheque (or envelope)?
What happens with any post you receive? Or any newspaper delivered by paperboys daily? Or all those products you pick up in the supermarket that may have been touched by customers and have definitely been recently touched by staff who mishandle their masks because they are forced to use them for an 8 hour shift?
A sense of proportion and reality needed methinks.
You'd think Tipton would be able to do BACS or FP anyway, but 'barmy' is overstating it

Think you're completely missing the point!!

Nobody said it was to do with the physical cheque its to do with the process involved of travelling to and tgereafter standing in a bank / building society / post office where there most certainly IS an increased risk of catching covid!!! That is the reality of the situation and makes the original point valid and proportional to current lockdown protocols!! 

happybagger

I've always deposited mine in the machine. Sorry, I thought that was commonplace.
Along with people using these phone app thingies, I thought that would have accounted for the vast majority of cheque deposits.
I'm surprised actually walking to a branch counter was common. Fair enough.

colsten

happybagger said:

Along with people using these phone app thingies.....

You may not be aware, but these phone app thingies have a limit of max £1,000 per cheque, or even just £500 at some banks. Plus some have piddly daily limits of £2k for phone app thingy cheque deposit.

Just about no matured Regular Saver is worth less than a minimum of £2,500.

As to using a cheque deposit machine in a bank Branch: AFAIK, you need to actually go inside a building to use such a machine. A totally unnecessary thing to do in the current circumstances, as it creates additional risks for everyone who is in the same indoor space. It is difficult to understand why a Building Society would still be unable to make faster payments instead of writing cheques.

soulsaver

Fingerbobs said:

happybagger said:

soulsaver said:

Barmy in the current circumstances to be sending cheques, isn't it? 
Come on Tipton, are you not aware of Covid?

Getting off topic so I'll only comment on this once
Are you really suggesting it's a vector of disease? Are you ever aware of a recorded case of any virus from a cheque (or envelope)?
What happens with any post you receive? Or any newspaper delivered by paperboys daily? Or all those products you pick up in the supermarket that may have been touched by customers and have definitely been recently touched by staff who mishandle their masks because they are forced to use them for an 8 hour shift?
A sense of proportion and reality needed methinks.
You'd think Tipton would be able to do BACS or FP anyway, but 'barmy' is overstating it

Not wishing to speak for soulsaver, and I may be wrong, but I don't think that was the suggestion. It was more that paying in a high-value cheque requires visiting a bank branch, or at least a Post Office - something which could so easlily be avoided by using an electronic payment instead?

@Fingerbobs Spot on, thanks. A lot nicer 'put' than I would have in reply. 

Rich2808

Geez this thread has gone a bit off course.
Lets hope there is no new Tipton mutation caused by all these cheques being spread across the UK.
Sorry but they are a small building society doing their best - no one forces you to have an account with them. You get personal service - but it can be a bit quirky. Because they are only really set up to serve a small area of the West Midlands mainly via their branch network.

cricidmuslibale

Rich2808 said:

Geez this thread has gone a bit off course.
Lets hope there is no new Tipton mutation caused by all these cheques being spread across the UK.
Sorry but they are a small building society doing their best - no one forces you to have an account with them. You get personal service - but it can be a bit quirky. Because they are only really set up to serve a small area of the West Midlands mainly via their branch network.

That's a very fair point tbh and it is possible after all to find times during the week when banks, building societies and post offices have hardly any people in them; those times should be safe enough to get in quickly, pay in your cheque(s) and get out as quickly as possible after doing so, thus keeping any risk to yourself or others as low as possible, especially of course if you stay 2m apart from others, wear a face covering and sanitise your hands.

Rich2808

cricidmuslibale said:

Rich2808 said:

Geez this thread has gone a bit off course.
Lets hope there is no new Tipton mutation caused by all these cheques being spread across the UK.
Sorry but they are a small building society doing their best - no one forces you to have an account with them. You get personal service - but it can be a bit quirky. Because they are only really set up to serve a small area of the West Midlands mainly via their branch network.

That's a very fair point tbh and it is possible after all to find times during the week when banks, building societies and post offices have hardly any people in them; those times should be safe enough to get in quickly, pay in your cheque(s) and get out as quickly as possible after doing so, thus keeping any risk to yourself or others as low as possible, especially of course if you stay 2m apart from others, wear a face covering and sanitise your hands.

Or just send your cheque to your bank by post and pay in that way if you can't face walking into a branch.
And a big round of applause to all those hard working Tipton staff processing all those regular saver applications and addressing app issues. They must have been rushed off their feet with all the applications but they were always so nice and friendly on the phone. Local service with a financial institution that employs UK based staff and doesn't offshore jobs - even better!

Elmer_BeFuddled

cricidmuslibale said:

That's a very fair point tbh and it is possible after all to find times during the week when banks, building societies and post offices have hardly any people in them; those times should be safe enough to get in quickly, pay in your cheque(s) and get out as quickly as possible after doing so, thus keeping any risk to yourself or others as low as possible, especially of course if you stay 2m apart from others, wear a face covering and sanitise your hands.

And of course you can stop off afterwards at the counter of the offy wherein the P.O. is now situated.

cricidmuslibale

Rich2808 said:

cricidmuslibale said:

Rich2808 said:

Geez this thread has gone a bit off course.
Lets hope there is no new Tipton mutation caused by all these cheques being spread across the UK.
Sorry but they are a small building society doing their best - no one forces you to have an account with them. You get personal service - but it can be a bit quirky. Because they are only really set up to serve a small area of the West Midlands mainly via their branch network.

That's a very fair point tbh and it is possible after all to find times during the week when banks, building societies and post offices have hardly any people in them; those times should be safe enough to get in quickly, pay in your cheque(s) and get out as quickly as possible after doing so, thus keeping any risk to yourself or others as low as possible, especially of course if you stay 2m apart from others, wear a face covering and sanitise your hands.

Or just send your cheque to your bank by post and pay in that way if you can't face walking into a branch.
And a big round of applause to all those hard working Tipton staff processing all those regular saver applications and addressing app issues. They must have been rushed off their feet with all the applications but they were always so nice and friendly on the phone. Local service with a financial institution that employs UK based staff and doesn't offshore jobs - even better!

Elmer_BeFuddled said:

cricidmuslibale said:

That's a very fair point tbh and it is possible after all to find times during the week when banks, building societies and post offices have hardly any people in them; those times should be safe enough to get in quickly, pay in your cheque(s) and get out as quickly as possible after doing so, thus keeping any risk to yourself or others as low as possible, especially of course if you stay 2m apart from others, wear a face covering and sanitise your hands.

And of course you can stop off afterwards at the counter of the offy wherein the P.O. is now situated.

Rich2808 - Yes, I agree totally! You make some very good points there!
Elmer_BeFuddled - My goodness, I wish my local P.O. had that added benefit!

BrownTrout

Please with the service from the Dudley
Applied Weds evening, phone call to say they could verify so needed driving licence, popped a cheque in the post at the same time, account opened on the monday and cheque credited.