How to uncross a cheque

Parkhall

I need to take a business cheque to a bank and receive cash. As all cheques are "crossed" to ensure payment into an account, I need to "uncross" the cheque so that I can get cash.

I have done this before years ago but forget how to correctly uncross a cheque. Can someone please remind me? I remember that the cheque must be made out to my name.

retiredbanker1

Is the account yours?

If not you cannot do this
In today's banking even if you could - most would insist that you pay the cheque in and then use a debit card to withdraw (or one of your own cheques if they knew you or you had sufficient ID).

Olinda99

The issuer (ie not you) writes 'crossing cancelled' and signs nearby.

born_again

Parkhall said:

I need to take a business cheque to a bank and receive cash. As all cheques are "crossed" to ensure payment into an account, I need to "uncross" the cheque so that I can get cash.

I have done this before years ago but forget how to correctly uncross a cheque. Can someone please remind me? I remember that the cheque must be made out to my name.

Surely the cheque is in your name, so should not be a issue.

Flugelhorn

think you used to write "open" on the crossings? but am sure that doesn't work these days - just pay it into and account and get the cash out from there

Parkhall

retiredbanker1 said:

Is the account yours?

If not you cannot do this
In today's banking even if you could - most would insist that you pay the cheque in and then use a debit card to withdraw (or one of your own cheques if they knew you or you had sufficient ID).

It definitely can be done. I have heard of others who have done it.

Parkhall

born_again said:

Parkhall said:

I need to take a business cheque to a bank and receive cash. As all cheques are "crossed" to ensure payment into an account, I need to "uncross" the cheque so that I can get cash.

I have done this before years ago but forget how to correctly uncross a cheque. Can someone please remind me? I remember that the cheque must be made out to my name.

Surely the cheque is in your name, so should not be a issue.

born_again said:

Parkhall said:

I need to take a business cheque to a bank and receive cash. As all cheques are "crossed" to ensure payment into an account, I need to "uncross" the cheque so that I can get cash.

I have done this before years ago but forget how to correctly uncross a cheque. Can someone please remind me? I remember that the cheque must be made out to my name.

Surely the cheque is in your name, so should not be a issue.

If it's crossed the bank has to pay it into your account. They cannot issue cash.

ChirpyChicken

Wow this seems like something from the 1990s
Who remembers going to the bank and paying a cheque into your branch written out to cash.... in order to withdraw cash

The 3.30pm cut off ...

35har1old

Parkhall said:

born_again said:

Parkhall said:

I need to take a business cheque to a bank and receive cash. As all cheques are "crossed" to ensure payment into an account, I need to "uncross" the cheque so that I can get cash.

I have done this before years ago but forget how to correctly uncross a cheque. Can someone please remind me? I remember that the cheque must be made out to my name.

Surely the cheque is in your name, so should not be a issue.

born_again said:

Parkhall said:

I need to take a business cheque to a bank and receive cash. As all cheques are "crossed" to ensure payment into an account, I need to "uncross" the cheque so that I can get cash.

I have done this before years ago but forget how to correctly uncross a cheque. Can someone please remind me? I remember that the cheque must be made out to my name.

Surely the cheque is in your name, so should not be a issue.

If it's crossed the bank has to pay it into your account. They cannot issue cash.

It also has to clear before you can withdraw

Eyeful

1. Modern UK cheques are pre-crossed and printed with "account payee" instructions, which means they can only be paid into an account matching the payee's name..

2. The original cheque writer can cancel the crossing by writing "Crossing Cancelled" across the front of the cheque .  This is strongly discouraged as it removes the built-in security protection.
The drawer should sign near the cancellation to authenticate it

3. Unable to deposit the cheque into a account matching the payee's name, the best alternative is to contact the cheque issuer and request an alternative payment method, such as a bank transfer.

eskbanker

Parkhall said:

born_again said:

Parkhall said:

I need to take a business cheque to a bank and receive cash. As all cheques are "crossed" to ensure payment into an account, I need to "uncross" the cheque so that I can get cash.

I have done this before years ago but forget how to correctly uncross a cheque. Can someone please remind me? I remember that the cheque must be made out to my name.

Surely the cheque is in your name, so should not be a issue.

If it's crossed the bank has to pay it into your account. They cannot issue cash.

Perhaps you could clarify why you're keen to avoid the money going into and back out of your account?  It may be that there are alternative ways of achieving your aim without going back to the cheque signatory/ies (not that anything springs to mind)....