The undernoted table sets out details of when you can withdraw funds following the deposit of a cheque. The table also shows when the Bank starts paying interest, if applicable, and when you can be certain the cheque will not be returned unpaid and the funds removed from your account without your agreement, unless you are a knowing party to a fraud.

Cheque Clearing Time All Cheques:

CH = Cheque Deposited
I = Interest payable, where applicable
£ = Funds available for withdrawal
P = Cheque paid and cannot be removed from your account without your agreement, unless you are a knowing party to a fraud.

*N.B
Bank Holidays:
Where a cheque is paid in during a period where a Bank Holiday falls, that day(s) will NOT count as a business day and therefore an additional day(s) must be added to the above clearing time.