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Monday to Friday 8am - 8pm
Saturday 9am - 5pm
Sunday 10am - 4pm

All enquiries 0800 121 8899

Call costs explained

Monday 24 December - 8am - 5pm
 25 - 26 December - closed
Monday 31 December - 8am - 5pm
Tuesday 1 January - closed


Routine maintenance Tuesday night

Our Online Services, password set-up service and savings account opening will be unavailable for a short period from 11pm on Tuesday 11 December until the early hours of Wednesday morning.

Thank you for your patience.

The Specific Terms for your account will state whether you can pay in and withdraw cheques from your account.


When you get the money: clearing a cheque

When you pay a cheque into your account, it first appears in your ‘account balance’ and starts to earn interest immediately. But it takes more time before you can withdraw the money from a cheque. When the cheque is available for withdrawal it appears in the ‘available balance’ for your account.

The ‘Cheque Central Clearing Cycle’ normally takes three business banking days*. However, because we’re not a clearing bank, after you've paid in a cheque we need four business banking days before the funds are available for withdrawal.

Certainty of fate

Industry minimum standards provide you with certainty that a cheque paid into your account is yours after 6 days ('certainty of fate'). Using the example below, the end of Wednesday (day 6) is the last day that a cheque paid into your account could be debited from your account without your permission.

There may be certain legal, or other limited circumstances, where these standards cannot be applied and where payment or non-payment of a credited cheque may be delayed or even prevented.

Below is an example of how the Cheque Clearing Cycle works.

If a cheque is deposited on a Tuesday it will be available for withdrawal on the following Tuesday.

Pay in cheque

(start earning interest)

Cheque processed

Withdraw money**

Certainty of fate


Day 0

Wed Thurs Fri Mon

1 2 3 4



end of Wednesday



*Business banking days are Monday to Friday, excluding public holidays.

**Cheques paid into Coventry First, our current account, will be available for withdrawal one day earlier.

When you pay in a cheque, you earn interest immediately

We normally add the amount immediately to your account balance and you’ll start earning interest on the money straight away.

 (Not all banks and building societies do this).



Most cheques are valid for six months

But you may still be able to pay in a Coventry Building Society cheque after six months if you take it into a branch or send it to us at:


It's important that you write the address exactly like this, in capital letters, all on one line. You don't need a stamp. Royal Mail delivers Freepost as Second Class mail. 

We can't accept out of date cheques from other organisations, so you'll need to get a replacement from the person or organisation who gave you the cheque.

If a cheque is unpaid

When you pay a cheque into your account, we credit your account and then request the money from the bank or building society which issued the cheque. If the institution returns the cheque to us unpaid, we’ll take back the money we paid into your account and adjust the interest we paid you.  When this happens, we don’t ask the institution to pay it again at a later date and we’ll return the cheque to you. 

Withdrawing by cheque

We don't issue cheque books. However, you can request a cheque from most of our accounts (please see the Specific Terms of your account) at a branch, by phone or by post. We deduct the amount of the cheque from your account balance on the day we process your instructions.

Cheques requested by phone or by post will normally be posted on the same day as we process your instruction. If we receive your instruction on a non-business banking day, the cheque will normally be posted on the next business banking day. As a security precaution, we'll only post cheques to the address we hold for you on our records. 

You can stop a cheque if it’s lost or stolen

If we issue a cheque from your account and it’s then lost or stolen, let us know at any branch or call us and we’ll put a stop on it. We’ll ask you to confirm this in writing.

When we have written confirmation, we’ll re-issue the cheque to the original payee. You can’t stop a cheque if you decide that you don’t want an item or service that you’ve paid for.