I suspect not. I have found most banks will only let you take cash out
or pay in over the counter if you actually bank with them.
There may be exceptions. ISTR the Post Office is slightly more forgiving
if you can be bothered to queue for an hour or two.
Cash machines are becoming increasingly rare in our North Yorkshire
towns and villages these days - replaced with empty former banks and
crude OSB boarding over the now quite literally hole in the wall.
There really needs to be a policy of relaxing that rule when a branch of one
bank is the only bank in the town. I'm with Natwest and they have closed a
lot of branches over the years. When I was living near Leyburn, the nearest
one was in Richmond - not a problem if I was over that way to do the
shopping at Catterick. Then one day I went in to pay in a cheque and they
said "today's our last day". From then on, it meant a 40-mile round trip to
Northallerton if I needed to do anything in a branch where they needed to
have sight of signed documents etc which couldn't be done by phone or
Does the Post Office actually act as a "virtual branch" of all the various
banks, or do you have to create and account with them and transfer money
into it from your bank account? When I went to pay in a cheque to my NatWest
account via the advertised Post Office service, all they did was give me a
NatWest paying-in envelope which they would send to NatWest, rather than
actually crediting the money to my account. So there was no advantage in
doing it that way.
On 15/08/2019 09:36, firstname.lastname@example.org wrote:
You also get a printed receipt as evidence that you've sent it to the
bank. Although there's no indication of the actual amount it's a bit
more evidence than you get if you just pop an envelope in the post box.
And I assume, and hope, it provides the Post Office branch with a small
commission from the bank for providing the service. I also assume the
branch gets a commission from the bank when I use my bank card to obtain
cash over the counter.
Though if I am there I will often draw some cash anyway.
Small village counter in the village shop operation so rarely have to
queue for too long except Christmas lead up when some old dear is usually
trying to send a parcel of socks to a nephew who is doing voluntary work
in some third world country but she can only remember what it used to
called in the days of empire.
For a small businesses and others that still accumulate it they also
offer a way of paying in cash that could save a considerable round trip to
a bank branch.
Not having done it I don’t know if there is the same delay in funds
reaching the destination account.
I had a very circular conversation with one of our local post office
clerks unitl I realised that she was unaware that part of the island of
Ireland remained a part of the UK. Makes a big difference to the
I may be a little out of date, as I retired as local postmaster 6 years
ago, but then, almost any debit card, including some foreign ones, could
be used to withdraw cash at any PO counter, without fee. Cash could
also be paid in.
Regarding cheques, yes, they go in an envelope to the bank overnight,
usually quicker than ordinary post, no cost (stamp) to the user and a
receipt as 'proof of posting' or proof that a cheque has been deposited,
although amount not shown, and the receipt just shows an envelope, not
how many cheques were inside. The system worked well, with very few
going missing, but when an envelope did go missing, it could take a
while to get sorted.
Yes I think it's a case of managing expectations. I'd expected the PO to do
the same as a branch: log each cheque and batch them as a transaction that
shows up on the statement as of that instant, with the transfer of the paper
cheque being a slower process which is why you still have the problem of
cheques taking a few days to clear irrevocably and irreversibly. But the PO
just act as a forwarding service - though this may be quicker and cheaper
than simply posting the cheques and paying-in slip to your bank.
Eventually banks will all implement paying in by photographing the cheque,
to avoid having to visit a branch or the PO, or post the cheques to the
branch. But then cheques are used less and less: only for birthdays and for
paying small traders who don't want the expense of accepting credit/debit
cards. I run a small business doing PC support for local people, and I only
accept cheques or cash, so I just need to visit a branch every so often to
pay these in.
Agreed. When I had the PO I sold stationary as a sideline, and wrote
and received quite a lot of cheques. Since retiring, I have written 2
this year, and received none. I'm still behind the times though - I
tend to use plastic cards, but my son just waves his phone.
A very sore point for postmasters (even retired ones) and their staff.
Not 15 years ago, either. A major court case is ongoing. I enjoyed
running a local PO but dealing with PO Limited was an ongoing nightmare
and there was always, and I mean always, the daily worry that, at the
end of each day the books would not balance by some huge amount. I had
plenty of small discrepancies, and a few larger (hundreds rather than
thousands of pounds) but never a major disaster.
On Thursday, 15 August 2019 17:20:01 UTC+1, Graeme wrote:
When I was on a shop till (not a post office) the thousand quid errors were
easy to spot - someone rang up £1991.99 instead of £1.99 <depart
ment> £1.99 <department> and hadn't kept the slip, and we just had to
find them on the audit roll.
Of course with a computerised system you're relying on the computer to reta
in an accurate audit trail, which seems to be part of the problem with the
Post Office systems.
It is still a crock of the proverbial according to our post mistress.
About half the times I am in there the thing is only half working or
unable to perform some of its functions or just plain dead in the water.
Its a tiny post office kept going only to game the distance to post
offices metric. They only have one terminal so when its down that's it.
Our "reliable" rural internet connection doesn't help things either.
Yes and they first tell us blindies that come the new machines they will
have head phone sockets so we can use them then the time comes and they
remove them. It seems that all the banks now use a company called Link for
their machines and nobody knows where the accessible ones actually are any
more. A communication break down if ever there was one. I heard a
conversation inside the branch of a well known bank which hails from Spain ,
it went something like.
OK I'll be in x place all next week where is the nearest ATM.
Sorry sire we do not keep that information Download the Link amp on your
mobile and it will probably telll you. I don't have a smart phone. Oh,
everyone has one, sorry.
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