Lloyds Bank has outlined new options for customers to deposit cheques following the termination of a major in-branch service. A recent customer inquiry highlighted challenges faced by a 92-year-old individual holding a cheque from the DVLA for his late wife’s car tax refund. Without internet access, a smartphone, or a nearby open branch, alternatives become essential.
Available Cheque Deposit Methods
Lloyds Bank confirms that cheques payable to a Lloyds account can be deposited by post. Customers can also use many Post Office branches for in-person deposits.
For those with smartphones, the mobile banking app offers a convenient solution, especially amid ongoing branch closures.
Step-by-Step Guide: Depositing Cheques via Lloyds Mobile App
Tech-savvy users can follow these steps:
- Log in to the app and navigate to the ‘Everyday’ section.
- Select the three-dot menu next to the target account.
- Ensure the cheque is less than six months old and matches the recipient’s name, then enter the amount.
- Optionally, add a reference for the payer or purpose.
- Choose ‘Front of cheque’ and grant camera access if prompted.
- Place the cheque on a flat, dark surface, hold the camera steady above it until a green border appears, and let the app scan.
- Repeat for the ‘Back of cheque’, even if blank.
- Review details, confirm the deposit, and retain the cheque until funds clear before destroying it.
In-person banking remains available through various local services. Postal deposits provide another reliable option for those without digital access.
