Completely stuck with US pension direct deposit

Everythingcomesup13

I'm trying to sort this out for my step mom and I'm completely brain fried.
So my step mom lives in the UK but she is a US citizen. She has a US passport and her husbands pension from United Steelworkers used to be paid via direct deposit into her Chase bank account.
When she moved here permanently she closed her Chase bank account and Steelworkers have been sending her physical cheques every month.
Barclays bank where she used to bank, stopped taking foreign cheques a while back so I opened an account for her at HSBC where she has been paying the cheques into. We have just found out that HSBC will stop accepting foreign cheques as of Dec12th so I'm back trying to figure out how to get the pension money paid in as its becoming more evident that all UK banks are stopping accepting foreign cheques and are asking for them to be directly deposited. Even if I find a bank that will accept the cheques it will be a short term fix.
Steelworkers categorically will not pay into a foreign bank. They don't use SWIFT or BACS and will only use an ABA with a routing number.
I am unable to open a US bank account from here as she still requires a US address.
Even if she flies home to the States to open a bank account she would not have a US address as she could only stay with a friend whilst over there so how could she provide proof of residency in order to open the account??
Is there any way I can solve this because I feel like Im running in circles.
Many thanks in advance.

WastedWords

Open a Wise account. They provide US domestic account details.

Marcon

Santander accepts foreign cheques.

NoMore

Wise account maybe ?

How do I receive money with my USD account details? | Wise Help Centre

Never used them and no expert so probably somebody will know a better answer or if this would even work.

Everythingcomesup13

WastedWords said:

Open a Wise account. They provide US domestic account details.

Yeah Ive heard of this but unsure how it works. May need to dive down this rabbit hole...thanks!

Everythingcomesup13

Marcon said:

Santander accepts foreign cheques.

Yeah Im headed there tomorrow. My only concern is for how long, but I dont have the luxury of time so it may be a good stop gap whilst I try and figure out a more long term solution. Many thanks

flaneurs_lobster

WastedWords said:

Open a Wise account. They provide US domestic account details.

Believe you can do the same with a Revolut account.

But, of course, it's Revolut.....

Everythingcomesup13

flaneurs_lobster said:

WastedWords said:

Open a Wise account. They provide US domestic account details.

Believe you can do the same with a Revolut account.

But, of course, it's Revolut.....

Yeah ive not heard great things about them......in your opinion are they one to avoid?

dunstonh

A lot of pension administrators will not make payments to Wise as it is not a bank.  So, it would be worth checking with the pension administrator before the Wise account is opened if they will accept money service accounts rather than bank accounts.

Everythingcomesup13

dunstonh said:

A lot of pension administrators will not make payments to Wise as it is not a bank.  So, it would be worth checking with the pension administrator before the Wise account is opened if they will accept move service accounts rather than bank accounts.

Oh okay, worth knowing and a very good point... Ill have to call them again tomorrow and double check. Thank you!

flaneurs_lobster

Everythingcomesup13 said:

flaneurs_lobster said:

WastedWords said:

Open a Wise account. They provide US domestic account details.

Believe you can do the same with a Revolut account.

But, of course, it's Revolut.....

Yeah ive not heard great things about them......in your opinion are they one to avoid?

I'm sure you've heard the same things I have. I use them for trivial payments by contactless and as a prepaid cashcard when travelling. 

Wouldn't want to use them for anything "proper banking", simply because I've heard their CS is less than super.