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Cheque deposit to bank via Post Office

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Anyone used the Post Office facility to deposit a cheque to a Bank of Scotland account? The cheque is put in an envelope with the account details on the front. I did this on Saturday, but three working days later and there's still no reference to the cheque in the BoS account. How long can I expect this to take? Thanks.               

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  • WillPS
    WillPS Posts: 3,858 Forumite
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    Cheques deposited at the Post Office are popped in an envelope and sent to the bank via second class post, so it's quite possible that Bank of Scotland haven't even received it yet. Once it's there it should clear in 1 or 2 banking days.
  • retiredbanker1
    retiredbanker1 Posts: 407 Forumite
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    I'm not sure about 2nd class post but in my day an overnight bag would be taken from the PO to a central processing centre.
    So Saturday being a non business/working day your cheque would have left the PO on Monday - overnight so Tuesday - possibly processed today at some time and you may be able to see it at close of business tonight?

    How much was the cheque for? If under £5k could you not have paid it in via your banking app?
  • HarryIb
    HarryIb Posts: 17 Forumite
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    edited 10 July at 3:08PM
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    Thanks for the info. I'll check again later. I wouldn't mind, but I took it into Lloyds, assuming that since BoS is part of Lloyds they'd be able to process it, but no; "we can't accept it, go to the Post Office". Ridiculous!

    Edit: cheque was for £25, the proceeds of a complaint to MBNA (also part of Lloyds). I posted in the CC thread about the complaint.
  • WillPS
    WillPS Posts: 3,858 Forumite
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    HarryIb said:
    Thanks for the info. I'll check again later. I wouldn't mind, but I took it into Lloyds, assuming that since BoS is part of Lloyds they'd be able to process it, but no; "we can't accept it, go to the Post Office". Ridiculous!

    Edit: cheque was for £25, the proceeds of a complaint to MBNA (also part of Lloyds). I posted in the CC thread about the complaint.
    While BOS, Lloyds and MBNA are all owned by Lloyds Banking Group, they have separate banking licenses.

    Halifax is a brand used by Bank of Scotland, so if you need to pay in a cheque to a BOS account (outside of Scotland or Berwick) they can help.

    Another option is to use the app to pay in next time.
  • DullGreyGuy
    DullGreyGuy Posts: 12,046 Forumite
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    HarryIb said:
    Thanks for the info. I'll check again later. I wouldn't mind, but I took it into Lloyds, assuming that since BoS is part of Lloyds they'd be able to process it, but no; "we can't accept it, go to the Post Office". Ridiculous!

    Edit: cheque was for £25, the proceeds of a complaint to MBNA (also part of Lloyds). I posted in the CC thread about the complaint.
    Part of the same group of companies but not the same entity. Direct Line was owned by RBS for years but you couldn't  drop of your burnt out car to your local RBS branch to make your Fire claim on your RBS Insurance Car Insurance policy. 

    As others have said, PO just posts the cheque for you, your much better off using the phone app and deposit it by photo.
  • HarryIb
    HarryIb Posts: 17 Forumite
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    WillPS said:
    HarryIb said:
    Thanks for the info. I'll check again later. I wouldn't mind, but I took it into Lloyds, assuming that since BoS is part of Lloyds they'd be able to process it, but no; "we can't accept it, go to the Post Office". Ridiculous!

    Edit: cheque was for £25, the proceeds of a complaint to MBNA (also part of Lloyds). I posted in the CC thread about the complaint.
    While BOS, Lloyds and MBNA are all owned by Lloyds Banking Group, they have separate banking licenses.


    I would say that's a weak excuse for not handling at least basic business of group members. HSBC branches handle most FD business, for example. Given the lack of branches these days, you'd think the banks would, or should, provide facilities for associated businesses. They are associated in other respects apart from ownership. Look at the Lloyds, BoS, Halifax and MBNA websites: identical format and operation. And, Halifax has obtained my email and phone details from my BoS accounts, regardless of different banking licences.
  • EarthBoy
    EarthBoy Posts: 3,058 Forumite
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    HarryIb said:
    WillPS said:
    HarryIb said:
    Thanks for the info. I'll check again later. I wouldn't mind, but I took it into Lloyds, assuming that since BoS is part of Lloyds they'd be able to process it, but no; "we can't accept it, go to the Post Office". Ridiculous!

    Edit: cheque was for £25, the proceeds of a complaint to MBNA (also part of Lloyds). I posted in the CC thread about the complaint.
    While BOS, Lloyds and MBNA are all owned by Lloyds Banking Group, they have separate banking licenses.


    I would say that's a weak excuse for not handling at least basic business of group members. HSBC branches handle most FD business, for example. Given the lack of branches these days, you'd think the banks would, or should, provide facilities for associated businesses. They are associated in other respects apart from ownership. Look at the Lloyds, BoS, Halifax and MBNA websites: identical format and operation. And, Halifax has obtained my email and phone details from my BoS accounts, regardless of different banking licences.
    First Direct is just a division of HSBC, not a separate entity, so it's the same banking licence. 
    Likewise, Halifax is just a trading name of the Bank of Scotland, so it's the same banking licence. 
  • DullGreyGuy
    DullGreyGuy Posts: 12,046 Forumite
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    HarryIb said:
    WillPS said:
    HarryIb said:
    Thanks for the info. I'll check again later. I wouldn't mind, but I took it into Lloyds, assuming that since BoS is part of Lloyds they'd be able to process it, but no; "we can't accept it, go to the Post Office". Ridiculous!

    Edit: cheque was for £25, the proceeds of a complaint to MBNA (also part of Lloyds). I posted in the CC thread about the complaint.
    While BOS, Lloyds and MBNA are all owned by Lloyds Banking Group, they have separate banking licenses.


    I would say that's a weak excuse for not handling at least basic business of group members. HSBC branches handle most FD business, for example. Given the lack of branches these days, you'd think the banks would, or should, provide facilities for associated businesses. They are associated in other respects apart from ownership. Look at the Lloyds, BoS, Halifax and MBNA websites: identical format and operation. And, Halifax has obtained my email and phone details from my BoS accounts, regardless of different banking licences.
    First Direct is HSBC, it's just a trading name and a business division. BOS/Lloyds are separate legal entities with a common parent company. 
  • Rob5342
    Rob5342 Posts: 1,599 Forumite
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    HarryIb said:
    WillPS said:
    HarryIb said:
    Thanks for the info. I'll check again later. I wouldn't mind, but I took it into Lloyds, assuming that since BoS is part of Lloyds they'd be able to process it, but no; "we can't accept it, go to the Post Office". Ridiculous!

    Edit: cheque was for £25, the proceeds of a complaint to MBNA (also part of Lloyds). I posted in the CC thread about the complaint.
    While BOS, Lloyds and MBNA are all owned by Lloyds Banking Group, they have separate banking licenses.


    Given the lack of branches these days, you'd think the banks would, or should, provide facilities for associated businesses.
    They let you do it in the app which is far more convenient, it usually clears by the end of the next day.

  • boingy
    boingy Posts: 1,467 Forumite
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    Paying a cheque in with an app was a revelation for me. Great use of technology.
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