Do you need ID to pay a cheque in?

RobM99

Old_Lifer said:  Indeed, why would he be asked for ID when paying a cheque payable  to  himself  into an account in his name ?

I had trouble a while back trying to move money from one account to another in the same branch, both my accounts - because I didn't have ID.

Jenny555

Thanks for all your comments everyone. I will be able to resolve this but I find some of the made up on the spot HSBC policies over the top. I have looked online and I can’t see anything about a paying in limit or a new policy to provide ID. It seems discriminatory against people who aren’t able to bank online. 

cricidmuslibale

Jenny555 said:

Thanks for all your comments everyone. I will be able to resolve this but I find some of the made up on the spot HSBC policies over the top. I have looked online and I can’t see anything about a paying in limit or a new policy to provide ID. It seems discriminatory against people who aren’t able to bank online. 

For what it's worth, I agree with all of this and I wish you all the very best in resolving this ridiculous roadblock asap!

elsien

Jenny555 said:

Thanks for all your comments everyone. I will be able to resolve this but I find some of the made up on the spot HSBC policies over the top. I have looked online and I can’t see anything about a paying in limit or a new policy to provide ID. It seems discriminatory against people who aren’t able to bank online. 

Always handy throwing in a mention of the Equality Act, if your relative has a disability  as opposed to a learning difficulty - they're not the same thing. 

xylophone

Doesn't he have any paying in slips?

Thrugelmir

Jenny555 said:

One of the beneficiaries, who has a learning disability asked me to write 2 cheques for him because he doesn’t do internet banking. 

Why two cheques? Where was the beneficiary trying to deposit the funds?  Perhaps there's a flag on the account which warns the cashier.  As unfortunately individuals with learning difficulties are far too often the targets of those looking for money mules.

If the cheques were for sizable sums may have have raised immediate concerns in any event. Evidencing large deposits is always advisable. 

Old_Lifer

elsien      I know a number of people with learning difficulties and all are disabled and covered by the  Equality Act 2010. 

The Act covers physical or mental impairment that has a substantial and long term adverse affect  on the ability to carry out day to day activities

LHW99

I think its likely that cheque(s) and a paying in slip could be taken to a Post Office if this is HSBC (1st Direct does it). You can get the envelopes either through an online account, or (presumably) via a branch. If the value is high, I suppose they could still be rejected when they get to the processing facility, but for normal size payments shouldn't be an issue - and the PO doesn't want ID under those circumstances. Ist Direct used to have two types of pre-addressed envelopes, one for posting and one for PO deposits.

ellie99

I paid in a fairly large cheque over the bank counter yesterday, as part of my duties as an executor collecting in funds.

The teller said "oh I have to fill in an extra form" (on her computer). It was for money laundering rules apparently. Given that they know me well in branch and I'd shown ID last week for something else, it wasn't a problem.

Perhaps it was something to do with money laundering rules? (I do wonder if they ever catch people money laundering!)

Jenny555

Hi All,
Thank you all for your contributions. I went to the bank this morning with my relative. It seems that they paid the smaller amount into his current account but rejected the cheque because there had been no activity with his savings account over 2 years, so they froze it and their policy was that they needed ID to unfreeze or the cheque wouldn’t register. This was resolved and they accepted the cheque. I do find it bizarre, I have a savings account with the same bank and I wasn’t aware of this policy. I do feel the way it was handled was rather clumsy. I had telephoned the customer service yesterday but was told that it was their policy that every cheque deposited needed ID. I’m not sure the customer service person understood my point and his clarification of their policy conflicts with what I was told in the bank this morning and actually, you don’t generally need ID to deposit a cheque. It was more to do with my relative’s savings account activity. This wasn’t made clear to him over the phone and was conveyed that the cheques had been rejected. In any case, it was resolved. I thought I’d update you for future reference. Thank you for your comments.