Cheque clearing times

For cheques you've written
For cheques you've received
Useful tips for cheque clearing

For cheques you've written

If you've written a cheque which is paid into a bank or building society, it should debit your account after 2 working days.

For cheques you've received

Cheques paid into a Co-operative Bank branch

You should expect to see the cheque clear and credit your account within 2 working days.

Cheques paid into the Post Office®

You should expect to see the cheque clear and credit your account within 4 working days.

Cheques sent through the post

Once we receive the cheque it will clear and credit the account within 2 working days.

Once your cheque has credited your account

You'll start to earn interest or interest charges will start to reduce on your overdraft if applicable.

If a cheque you deposit isn't paid

A credit won't appear on your account and a letter will be sent to notify you of this.

Useful tips for cheque clearing

If you need to cancel a cheque tell us as soon as possible. If the cheque you've written has already been paid in, and is showing as a debit on your account, we won't be able to stop it.

Occasionally there are circumstances beyond our control where the credited cheque may be delayed.

When paying in cheques at the Post Office® or posting cheques to us, please make sure you enclose a paying-in slip to avoid any delays in processing.

How to pay in a cheque

Visit a branch

Call us

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