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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 two business banking days*. However, because we’re not a clearing bank, after you've paid in a cheque we need three business banking days before the funds are available for withdrawal.

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 Thursday after 9pm.

Pay in cheque

(start earning interest) 

   Cheque processed         Withdraw money    


Day 1

Wed  Thur

Day 2  Day 3

Thursday after 9pm

Day 3

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

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We can't accept out of date cheques from other organisations, so you'll need to get a replacement from the person or organisation who gave you the cheque.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