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Which banks accept in branch deposit by debit card from other bank?

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  • friolento
    friolento Posts: 2,440 Forumite
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    jbrassy said:
    grumbler said:
    Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.
    Who owns a cheque book these days?

    I do.

    It's a valued antiquity. 

    Once in a while, I do write a cheque. My trusted Chimney Sweep still likes them, and I won't change her for a hip kid which takes contactless even though well over 90% of my payments are contactless. Sometimes there's also an old fashioned Building Society which wants a cheque as an initial deposit for an interesting savings account.



  • Bridlington1
    Bridlington1 Posts: 3,755 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    jbrassy said:
    grumbler said:
    Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.
    Who owns a cheque book these days?
    I've still got them for 6 of my active current accounts, plus 2 books of paying in slips. Whilst it isn't strictly necessary to have a chequebook, if dealing with small building societies having one can make life a bit easier. Although this seems to be getting rarer as time goes on, a few building societies want proof of your nominated bank account in the form of an original/certified bank statement or a cancelled cheque or paying in slip. I just can't be bothered to print off and get statements verified when I can just send a cancelled cheque instead. Plus as @friolento mentions some still prefer a cheque as an initial deposit for a savings account.
  • Rob5342
    Rob5342 Posts: 2,420 Forumite
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    friolento said:
    jbrassy said:
    grumbler said:
    Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.
    Who owns a cheque book these days?

    Once in a while, I do write a cheque. My trusted Chimney Sweep still likes them, and I won't change her for a hip kid which takes contactless even though well over 90% of my payments are contactless. 
    I wonder why they want the hassle of dealing with cheques when they could just have the money paid straight into their bank account.
  • wmb194
    wmb194 Posts: 4,932 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 5 December 2023 at 10:59AM
    Rob5342 said:
    friolento said:
    jbrassy said:
    grumbler said:
    Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.
    Who owns a cheque book these days?

    Once in a while, I do write a cheque. My trusted Chimney Sweep still likes them, and I won't change her for a hip kid which takes contactless even though well over 90% of my payments are contactless. 
    I wonder why they want the hassle of dealing with cheques when they could just have the money paid straight into their bank account.
    They use them as a way to validate your bank details i.e. the cheque will have your account number and name on it and it's something physical that you had in your possession.
  • IanManc
    IanManc Posts: 2,452 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    jbrassy said:
    grumbler said:
    Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.
    Who owns a cheque book these days?
    Presumably they're owned by the people who issued 150million cheques in 2022:

    https://www.ukfinance.org.uk/system/files/2022-08/UKF Payment Markets Summary 2022.pdf
  • WillPS
    WillPS Posts: 5,160 Forumite
    Part of the Furniture 1,000 Posts Newshound! Name Dropper
    wmb194 said:
    Rob5342 said:
    friolento said:
    jbrassy said:
    grumbler said:
    Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.
    Who owns a cheque book these days?

    Once in a while, I do write a cheque. My trusted Chimney Sweep still likes them, and I won't change her for a hip kid which takes contactless even though well over 90% of my payments are contactless. 
    I wonder why they want the hassle of dealing with cheques when they could just have the money paid straight into their bank account.
    They use them as a way to validate your bank details i.e. the cheque will have your account number and name on it and it's something physical that you had in your possession.
    I'm not sure the chimney sweep does any such thing.

    To answer @Rob5342 question it's an easy way of avoiding carrying cash. They might only bank them all once a week, and that process could simply be sticking them in an envelope with a paying in slip and popping it in the post. Some business bank accounts don't charge for cheque deposit.
  • friolento
    friolento Posts: 2,440 Forumite
    1,000 Posts Second Anniversary Name Dropper Photogenic
    WillPS said:
    wmb194 said:
    Rob5342 said:
    friolento said:
    jbrassy said:
    grumbler said:
    Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.
    Who owns a cheque book these days?

    Once in a while, I do write a cheque. My trusted Chimney Sweep still likes them, and I won't change her for a hip kid which takes contactless even though well over 90% of my payments are contactless. 
    I wonder why they want the hassle of dealing with cheques when they could just have the money paid straight into their bank account.
    They use them as a way to validate your bank details i.e. the cheque will have your account number and name on it and it's something physical that you had in your possession.
    I'm not sure the chimney sweep does any such thing.

    To answer @Rob5342 question it's an easy way of avoiding carrying cash. They might only bank them all once a week, and that process could simply be sticking them in an envelope with a paying in slip and popping it in the post. Some business bank accounts don't charge for cheque deposit.
    My chimney sweep says she pays the cheques in with her app. She wants to stick with cheques for the purposes of HMRC checks, and also she doesn’t have the trouble of checking that she actually got paid.
  • jbrassy
    jbrassy Posts: 1,025 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    edited 5 December 2023 at 2:38PM
    IanManc said:
    jbrassy said:
    grumbler said:
    Will it not be easier to write and deposit a cheque? For many banks you won't even need to go to a branch and can do it at home via an app.
    Who owns a cheque book these days?
    Presumably they're owned by the people who issued 150million cheques in 2022:

    https://www.ukfinance.org.uk/system/files/2022-08/UKF Payment Markets Summary 2022.pdf
    Down from 1.6bn in 2006 and expected to decline further. Those 150 million cheques account for 0.5% of all payments made in the UK. 
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