Personal Cheque Books

You don't need a separate cheque and savings account. You can link a cheque book to our S4 and S50 accounts. 

We can provide you with a cheque facility which operates from your savings account. Making payments by cheque is simple, flexible and easy. Cheques are widely accepted and you don't have to worry about carrying large quantities of cash.

Our cheque books come in books of 25, 50 or 100. We can also provide you with a deposit book to enable you to deposit extra funds. Please note, fees and charges apply to the use of your personal cheque facility.

Things You Should Know About Your Cheque Facility

How long does it take to clear a cheque?

When you deposit a cheque to your Credit Union account it will usually take 3 working days to clear, but may take longer in some cases. Please note that you will not be able to withdraw any of the proceeds of a cheque until it is cleared.

How Do I Stop Payment on a Cheque?

You can stop payment on a cheque by:

• ringing us with sufficient particulars to identify the cheque; we may insist on written confirmation; or
• writing to us, again, with sufficient particulars to identify the cheque.

You must, of course, do this before we have paid the cheque. A dishonour fee will be charged should the cheque subsequently be presented.

When Can We Dishonour or Not Pay on Your Cheque?

We can dishonour your cheque or not pay on it if:

• you have insufficient funds or available credit in your account to cover the cheque;
• you have not drawn up the cheque clearly so we are unsure what you want to do;
• the cheque is stale, that is, the date of the cheque is more than 15 months ago;
• we have notice of your death or mental incapacity; or
• the signature differs from that registered.