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Have a cheque or draft question?

11.06.2019 16:34 #61
Originally posted by Bank of Ireland: Jennifer
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

Thanks Jen, appreciate the quick response
1 thank
24.06.2019 20:17 #62
Sterling bank draft purchased in Bank or Ireland branch in Monaghan. This was lodged to my bank account in Natwest UK, London. 

I've now received a letter from Natwest stating that they're treating it as an 'unpaid cheque'. 

The reason is that it was returned to them by the issuer (i.e. Bank of Ireland) due to poor image quality. How can Bank of Ireland return a draft that the bank itself has issued :confused: :confused: What's the point of a bank draft in that case....

This is really annoying. Would appreciate a response asap.
25.06.2019 10:41 #63
Verified representative
Originally posted by petros1980
Sterling bank draft purchased in Bank or Ireland branch in Monaghan. This was lodged to my bank account in Natwest UK, London. 

I've now received a letter from Natwest stating that they're treating it as an 'unpaid cheque'. 

The reason is that it was returned to them by the issuer (i.e. Bank of Ireland) due to poor image quality. How can Bank of Ireland return a draft that the bank itself has issued :confused: :confused: What's the point of a bank draft in that case....

This is really annoying. Would appreciate a response asap.



Hi petros1980,

Thanks for getting in touch with us here on Boards.ie.

In this instance, you need to ask your bank to present a clearer image of the draft when resubmitting it to us for payment. Sorry if your own bank wasn't clear about this process.

Thanks
Tara
25.06.2019 11:03 #64
Originally posted by Bank of Ireland: Tara
Originally posted by petros1980
Sterling bank draft purchased in Bank or Ireland branch in Monaghan. This was lodged to my bank account in Natwest UK, London. 

I've now received a letter from Natwest stating that they're treating it as an 'unpaid cheque'. 

The reason is that it was returned to them by the issuer (i.e. Bank of Ireland) due to poor image quality. How can Bank of Ireland return a draft that the bank itself has issued :confused: :confused: What's the point of a bank draft in that case....

This is really annoying. Would appreciate a response asap.



Hi petros1980,

Thanks for getting in touch with us here on Boards.ie.

In this instance, you need to ask your bank to present a clearer image of the draft when resubmitting it to us for payment. Sorry if your own bank wasn't clear about this process.

Thanks
Tara

Thanks Tara.

So to clarify - the normal process for clearance is for my bank in UK, Natwest, to send an image of the draft to Bank of Ireland in order to release the funds; not the draft itself? 

The whole process seems crazy though; shouldn't Bank Of Ireland have gotten in touch with Natwest and requested a clearer image rather than just rejecting it and wasting a lot of time???
26.06.2019 10:32 #65
Verified representative
Thanks for getting back to us petros1980,

This is how cheque presentations work. The bank presenting a cheque or draft for payment are obliged to ensure they submit a clear image to avoid any delays for their customer. If this is a regular payment that you're receiving perhaps an electronic transfer would suit as these are a faster option with no clearance times involved.

Thanks
Tara
15.10.2019 22:31 #66
I found an old cheque book of mine from about 6 years ago. Would this be still valid if I wanted to write a cheque or do they expire? I’m still using the same bank account.
17.10.2019 11:45 #67
Originally posted by Misssally
I found an old cheque book of mine from about 6 years ago. Would this be still valid if I wanted to write a cheque or do they expire? I’m still using the same bank account.



Hi Missally

Thanks for getting in touch to check here with us.

Yes you can use the cheque book. The actual book will not expire, only if you're writing a cheque it will be valid for a period of 6 months from the date written.

Hoping the info helps,

Many thanks
Alison
14.11.2019 02:00 #68
Hi there,

What's the highest amount I can lodge in a single cheque using a lodgement ATM?

Thanks!
14.11.2019 10:18 #69
Hi There,

Thanks for getting in touch with us here on Boards.

There would be no limit on the amount that can be lodged in to an LATM machine by cheque.

You can certainly make this lodgement at any of our internal or external LATM's. I have attached a link here to our branch locator, this can be used to find the most convenient LATM for you.

I hope this helps.

Thanks, Aising.
02.12.2019 16:20 #70
I have a cheque from An post savings scheme that I want to cash. Can you I lodge it to my bank of Ireland account at an atm and lodge? And is there a charge on this service? If so will it be deducted from my bank fees or do I need to have cash in the account to deduct the fee (if there is one). Also how long do cheques from An post take to cash?
02.12.2019 17:54 #71
Hi Damo,

Thanks for reaching out to us here today, we hope that you're keeping well.

You can certainly lodge your cheque with your card at a lodgement ATM. There is a 25cent transaction fee which is included in your quarterly fees. For information on current account fees and scheduled dates please see the below link.

https://personalbankin...urrent-account/fees/

Non-BOI cheques will take 5 working days to clear into your account.

Many thanks,
Kat
16.12.2019 12:56 #72
I logged a cheque via cashier in branch on Friday afternoon. It was from an overseas bank. The money has not yet shown in my account. Can you tell me how long it should take? The cashier said it would be in my account within 48 hours.
16.12.2019 14:10 #73
Hi Brock Turnpike,

Thanks for reaching out to us here on Boards.



I'm sorry for any miscommunication in the branch. Please be aware that foreign currency cheques can take up to 5-10 weeks to clear, depending on the type of cheque and issuing bank timeframes. Once the funds have been cleared and approved by the foreign bank the funds will become available to you.

Thanks, Aisling.
16.12.2019 14:19 #74
Originally posted by Bank of Ireland: Aisling
Hi Brock Turnpike,

Thanks for reaching out to us here on Boards.



I'm sorry for any miscommunication in the branch. Please be aware that foreign currency cheques can take up to 5-10 weeks to clear, depending on the type of cheque and issuing bank timeframes. Once the funds have been cleared and approved by the foreign bank the funds will become available to you.

Thanks, Aisling.


Thanks for getting back to me, Aisling. Just to be clear; when you said weeks, that wasn't a typo? It's 5-10 weeks as opposed to 5-10 days??
17.12.2019 10:33 #75
Hi There,

Thanks for getting back in touch with us here.

Yes exactly, it can take a number of weeks for the foreign cheque to be approved and cleared on an account. This is based on the approval timeframes of the foreign bank.

Thanks, Aisling.
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