Cashing a cheque.
Discussion
Under certain circumstances you can, if its an un-crossed cheque then you probably can. Crossing is generally two vertical lines with "a/c payee" written on them. Some companies like British Gas will give you an un-crossed cheque that you can take to THEIR bank to get cash on presentation of proof of ID.
Generally no you cannot cash a cheque unless it's marked "Pay Cash" over the crossing and the bank is willing to accept the ID provided. As mentioned some of these Cheque Centre type places to exist but I believe they take a healthy bite of the cheque's value for themselves.
Special Presentation somebody else mentioned, where your bank contacts the cheque issuing bank on your behalf and queries whether the funds are available to cover it, is generally quite costly and won't always result in a sameday result.
Depending on the nature of your cheque and the bank issuing it you might be able to take advantage of "House Cheque" rules.
Special Presentation somebody else mentioned, where your bank contacts the cheque issuing bank on your behalf and queries whether the funds are available to cover it, is generally quite costly and won't always result in a sameday result.
Depending on the nature of your cheque and the bank issuing it you might be able to take advantage of "House Cheque" rules.
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