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Have a cheque or draft question?

25.01.2019 11:02 #46
Hi jotspur,

Thank you for getting in touch with us here.

If the cheque was issued over six months ago you will need to get it reissued.

Thanks,

Lorna
05.02.2019 10:42 #47
Registered User
Originally posted by Bank of Ireland: Darren
Hi All,


We've been getting a few queries on cheques recently so we thought it would be useful to put up some general information about cheques and hopefully this can be some help to all of you.


Clearance times:
  • Cheques from the same branch that they are lodged can take up to two days.
  • Cheques from another Bank of Ireland branch can take up to three working days.
  • Cheques from any other Banks can take up to five working days.
  • Cheques from outside the Republic of Ireland may take longer.

[*]

Standard Cheques (Does not have an account payee only on cheque and is not crossed):[/font]
  • If the cheque is made out to one person it can be lodged into a joint account once it is endorsed (Endorsed means that the person who the cheque is made out to signs the back of the cheque and confirm the account number that the cheque is being lodged into).
  • The cheque can be lodged into a third party account once the cheque has been endorsed.
  • The cheque can only be cashed in the branch it was drawn on and you must have photo ID and all criteria must be met (ie cleared funds available, no stops and correctly signed and completed).

[*]

Crossed cheques (two parallel lines written or printed anywhere on the cheque):

  • All rules would be the same as a Standard Cheque, Apart from it can only be lodged into an account and cannot be cashed in any branch of Bank of Ireland.

[*]

Account Payee only (This would be said after the payee name on the cheque):

  • A cheque made payable to one person can be lodged in to a joint account once it has been endorsed by the person who the cheque is made payable too.
  • If the cheque is made payable to two people this will need to lodged to a joint account in both people's names.
  • The cheque cannot be lodged into a third party account (even if it is endorsed).
  • The cheque cannot be cashed in any branch.

[*]

Bank Drafts:

  • Bank Drafts must be lodged to accounts as if they are crossed cheques.
  • The clearance time for drafts is five working days.


  • If you have a cheque in your married name and your account is in your maiden name, in most cases this can be lodged once the customer brings some Photo ID and their marriage certificate.
  • Social Welfare cheques can only be cashed in the Post Office (with a maximum amount of 1200.00). The sort code on these cheques do relate to O'Connell St but this is purely for processing reasons and these cheques cannot be cashed in this or any branch of Bank of Ireland.

[*]


If you have any further queries please get in contact with us here.

Thank you,

Darren.


[*]
Hello Darren and Team!

I have a few cheques from Dept. of Employment Affairs and Social Protection building up that I need to address.

The cheques appear to Standard Cheques (not crossed, with '& Co.' instead), and 'drawn' from BOI O'Connell Street.

1. Should I understand from your information above that I could take them to O'Connell Street BOI with photo ID and cash them?
2. Is there a maximum number of cheques, or amount of €uro that could be cashed in one day?

Thanks.
05.02.2019 10:54 #48
Hi Fooddestroyer

Thanks for checking here with us today.

I'm afraid the cheques will need to be lodged to a bank account. These type of cheques will show O'Connell St Branch, this is for processing purposes only.

(Social Welfare cheques can only be cashed in the Post Office (with a maximum amount of 1200.00). The sort code on these cheques do relate to O'Connell St but this is purely for processing reasons and these cheques cannot be cashed in this or any branch of Bank of Ireland.)

Many thanks
Alison
05.02.2019 11:07 #49
Registered User
Thanks Alison.

In relation to lodging cheques into a bank account then,

1. Can the cheques be lodged into another persons bank account if I sign/endorse them?

2. Does this other person's receiving bank account have to be a special type of bank account? Or more specifically, can this person's bank account be a non-resident bank account?

FD.
05.02.2019 11:30 #50
Thanks Fooddestroyer for coming back to us.

These type of cheques can only be lodged into an account in the persons name written on the cheque.

 Just also to add, a cheque is valid for 6 months from the date written on the cheque. If it's past this date, you would need to ask for cheque to be reissued.

Many thanks
Alison
06.02.2019 20:16 #51
Registered User
Originally posted by Bank of Ireland Reps
Thanks Fooddestroyer for coming back to us.

These type of cheques can only be lodged into an account in the persons name written on the cheque.

 Just also to add, a cheque is valid for 6 months from the date written on the cheque. If it's past this date, you would need to ask for cheque to be reissued.

Many thanks
Alison

Thanks Alison.

In relation to your earlier reply regarding cashing Social Welfare cheques at the post office: "(Social Welfare cheques can only be cashed in the Post Office (with a maximum amount of 1200.00)"


What is the procedure for doing this? 
07.02.2019 11:28 #52
Thanks Fooddestroyer for coming back to us.

It might be best to get in touch directly with your local Post Office, they can advise the type of identification they will require to allow you to cash the cheques and/or any restrictions or limits that may apply.

Many thanks
Alison
26.02.2019 14:19 #53
Originally posted by Bank of Ireland: Darren
Hi All,


We've been getting a few queries on cheques recently so we thought it would be useful to put up some general information about cheques and hopefully this can be some help to all of you.


Clearance times:
  • Cheques from the same branch that they are lodged can take up to two days.
  • Cheques from another Bank of Ireland branch can take up to three working days.
  • Cheques from any other Banks can take up to five working days.
  • Cheques from outside the Republic of Ireland may take longer.

[*]

Standard Cheques (Does not have an account payee only on cheque and is not crossed):[/font]
  • If the cheque is made out to one person it can be lodged into a joint account once it is endorsed (Endorsed means that the person who the cheque is made out to signs the back of the cheque and confirm the account number that the cheque is being lodged into).
  • The cheque can be lodged into a third party account once the cheque has been endorsed.
  • The cheque can only be cashed in the branch it was drawn on and you must have photo ID and all criteria must be met (ie cleared funds available, no stops and correctly signed and completed).

[*]

Crossed cheques (two parallel lines written or printed anywhere on the cheque):

  • All rules would be the same as a Standard Cheque, Apart from it can only be lodged into an account and cannot be cashed in any branch of Bank of Ireland.

[*]

Account Payee only (This would be said after the payee name on the cheque):

  • A cheque made payable to one person can be lodged in to a joint account once it has been endorsed by the person who the cheque is made payable too.
  • If the cheque is made payable to two people this will need to lodged to a joint account in both people's names.
  • The cheque cannot be lodged into a third party account (even if it is endorsed).
  • The cheque cannot be cashed in any branch.

[*]

Bank Drafts:

  • Bank Drafts must be lodged to accounts as if they are crossed cheques.
  • The clearance time for drafts is five working days.


  • If you have a cheque in your married name and your account is in your maiden name, in most cases this can be lodged once the customer brings some Photo ID and their marriage certificate.
  • Social Welfare cheques can only be cashed in the Post Office (with a maximum amount of 1200.00). The sort code on these cheques do relate to O'Connell St but this is purely for processing reasons and these cheques cannot be cashed in this or any branch of Bank of Ireland.

[*]


If you have any further queries please get in contact with us here.

Thank you,

Darren.


[*]
Hi Darren,

I am confused on the 5 days clearance. Tomorrow will be Day 5 for our cheque clearance. We lodged last Thursday at 12pm.  I can not seem to get a straight answer on whether or not the funds will be available for use tomorrow. We are under pressure to close on a house contract and have to transfer funds to another account by Thursday.  Tomorrow is the absolute last day we have before we miss the deadline and incur penalties. We had to use a cheque as the other bank wouldn't transfer into our account directly. Please can you help? On Day 5, are the funds there if the cheque has been approve on Day 4?
27.02.2019 10:22 #54
Hi there Sasha2377,

Thanks for getting in touch.

You can view information on our cheque clearance process here.

Thanks,

Lorna
05.03.2019 10:08 #55
hi.
do you have to be a boi account holder to purchase a bank draft.? i need to deposit cash into my bank but its cashless so can i buy the draft with the cash at any boi branch?
05.03.2019 11:06 #56
Hi reubenreuben

Thanks for your post this morning.

As the sale of the draft is transacted through a BOI account, yes  to purchase you would need to hold an account with us.

Hope this helps,

Many thanks
Alison
23.03.2019 17:14 #57
Hello,

I recently won some money from the Lottery. They sent me out a cheque, but I can't seem to lodge it at an ATM. The ATM said something about endorsing the cheque. I would appreciate some help with this.

Thanks,
Michelle
26.03.2019 16:23 #58
Hi Michelle,

Thanks for getting in touch.

We're sorry for the delay in response
.
This means that you will need to sign the back of the cheque before lodging.

If we can help with anything else just give us a shout.

Thanks,

Lorna
11.06.2019 16:24 #59
Can I lodge a bank draft from another bank (AIB) into an external lodgement ATM that accepts cash and cheques?
11.06.2019 16:33 #60
Originally posted by Prospector1989
Can I lodge a bank draft from another bank (AIB) into an external lodgement ATM that accepts cash and cheques?



Hi Prospector1989,

Thanks for getting in touch with us here today, nice to hear from you.

Yes this can be lodged using the external lodgement machine once this is being lodged into your own account.

I hope this helps and please feel free to get back in touch with us if we can help with anything else.

Thanks Jen
1 thank
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