Getting paid by cheque

D-!

Hiya,

I just have an enquiry

If you get paid by cheque on a Friday are the company leagally obliged to allow you to go to the bank during working hours?

If they are were would this be in writing.

Thanks in advance.

AARRRGH

No. Why would they legally be obliged to do this???

Sure, it would be nice of them to let you go to the bank, but I cannot see how or why this is any of their business.

Bard

D-! wrote:

If you get paid by cheque on a Friday are the company legally obliged to allow you to go to the bank during working hours?

Absolutely not, no.

lostinsuperfunk

No, don't see why they would be obliged to let you do this. However, you are probably not legally obliged to accept payment by cheque either! Cheques aren't legal tender.

Saruman

Im sure its a pain but Next time you are at the bank, get some quick lodgement forms and envelopes that way you can pop them in the letterbox after hours and they will sort it out the next day. At least thats the way Ulster bank works.

JackieChan

Many companies still pay by cheque so although this less common today it still happens. Getting to the bank could be a different kettle of fish.

I suppose you could use your lunch break(depending on the amount of time you have).
If your an AIB customer can you lodge a cheque through the post office on the Saturday?

D-!

Yeh I have been lodging the cheque in my account but because I have a different bank to the company i work for it can take up to five days to clear which means effectively im not getting paid till nearly the week later.

I did go on my lunch but the ques are really long and Im getting back to work without even having any lunch (and I get an hour)

And I cant change my bank have my mortgage with them too much hassle!

So I can ask for them to give it to me in cash or lodged into the bank but they can just say no so I have nowhere to stand

RainyDay

Some trade unions negotiated time off for bank visits, but I think it's pretty much a thing of the past. A cheque takes 3 working days to clear. But once you get into a cycle, what's the big deal? You'll get access to next week's money exactly one week after you get this week's money - so you still have to live for 7 days on your weekly cheque.

WizZard

The only jobs that allow "bank time" are civil service positions, AFAIK.

Could you not ask to be paid by bank transfer instead? Or maybe take late lunch once a pay period?

onedmc

lostinsuperfunk wrote:

No, don't see why they would be obliged to let you do this. However, you are probably not legally obliged to accept payment by cheque either! Cheques aren't legal tender.

The "payment of wages act 1991" clearly states that a cheque drawn on "any commercial bank" or "savings bank" are valid forms of payment as is
Cash, Credit Transfer, Postal Order or "warrant" (note) issued by a minister.

onedmc

lostinsuperfunk

The "payment of wages act 1991" clearly states that a cheque drawn on "any commercial bank" or "savings bank" are valid forms of payment

I stand corrected.

It seems a bit unfair though. Employees have to accept cheques for payment of wages, but only cash is legal tender for other debts. Or am I missing something else?

0utshined

WizZard wrote:

The only jobs that allow "bank time" are civil service positions, AFAIK.

And banks!

vector

I get payed by cheque and understand your position.
I lodge the cheques in AIB's quick lodge machine (found inside most branches)
I sometimes lodge via the ATM machine and that actually works, but it seems dodgy.

LegacyUser

I worked for 2 companies that paid by cheque .. and 2 very different experiences.

1. Civil Service type position
We got bank time so you could go off for 1.5 hours to cash the cheque. This was fine.

2. Private company.
They still gave us bank time, but only just. We used to all go to the local branch of our employer.

i.e say they were Ulster Bank .. we would go to the local one.

This company was in dire straits (not the band now .. but financially). So, lodging it to your own bank was a no no .. it would take 5 days.
It was honestly a race to get the money becuase we knew there was a chance the cheque would bounce. We used to stand in the bank for @ 30 minutes each time while the teller used to have to ring loads of places to make sure it was okay to actually cash these cheques (company was way in the red). The owner used to ring people on their mobiles to know what was taking us .. cheek!! Then when you got the money/cash .. had to walk with it in pocket to my own bank. I moved on .. couldn't take the hassel.

I'd never work for a company paying by cheque again. Setting up direct debits with the bank does not cause them any hassel .. unless of course they are in financial difficulty .. or too lazy to set up the direct debit system.

Ask your employer if they would mind putting your money straight into your account for you. Do they pay you 5 days before the end of the month to allow for the time it takes for the bank to cash it. If they do pay you with 5 days grace, then go for the envelop job .. you have the 5 days.
In general, in this day in age, if a company is paying by cheque still, they should honour some time for you to get to the bank (their bank) to cash it.

Our man in Havana

Unless you bank with PTSB who take a full week to clear a cheque. :eek:

vector

Bond-007 wrote:

Unless you bank with PTSB who take a full week to clear a cheque. :eek:

LOL

but just out of interest... is the cheque figure added to your balance immediately (and its then just that you can't actually use that until it clears)

monkeyfudge

My bank the EBS will clear a cheque straight away for me if it is accompanied by a pay slip.

I was being paid by bank transfer... but about two months ago it was changed to cheque.. and from once a week to every two weeks... bleh..

penexpers

I get paid using an AIB cheque and I have an AIB account. The money appears straight away and I can use it straight away.

skywalker

I get paid with an AIB cheque. I normally lodge it into my BOI a/c & usually its cleared by the end of the day Ive lodged it. Strangely it takes 3 days if I lodge it in my AIB a/c.

Third_Echelon

It would really put me off working for a company if my wages were not paid into my account directly by paypath...

In this day and age, payment by cheque should be a thing of the past. Just lazyness on the part of the employer in not setting paypath up...

LegacyUser

Third_Echelon wrote:

It would really put me off working for a company if my wages were not paid into my account directly by paypath...

In this day and age, payment by cheque should be a thing of the past. Just lazyness on the part of the employer in not setting paypath up...

+1

reb73

I think effective Oct 17, 2005 AIB have a system of clearing cheques of any bank in Ireland the next working day provided its lodged before 1.30pm. I got a message to this effect in my message centre. Not that I'd like getting paid by a cheque, but still helps I suppose..

Ven