I'm with HSBC Bank, but i've just found my old cheque book and it's still got Midland Bank on the cheques! Is this still okay to use?
2006-09-25 06:35:14 · 15 answers · asked by pompeyfc 3 in Business & Finance ➔ Personal Finance
Why dont you simply phone up your bank, or pop in, and ask them? It will take seconds and you know it makes sense...
And... you will have a 100% correct answer rather than 'what someone may think'...... much better than a fine
Graham
2006-09-25 06:44:39 · answer #1 · answered by the truth 3 · 1⤊ 0⤋
The important bit is the banks sort code and account number - if they are still the same today, then the cheque book should still be valid. Banks change their names all the time - Lloyds and TSB merged not so long back to become Lloyds TSB, and obviously for some time afterwards there will be people with "old-style" cheque books with the banks pre-merger name on, the rate at which the books disappear depending on how often you actually write a cheque. Given that Midland became HSBC some time ago though, this "changeover period" may have elapsed somewhat.
You don't actually need to use a bank's chque book at all - there is nothing to stop you writing your own cheque on any old scrap of paper or even the side of a cow, and the bank is supposed to honour it, as long as the details are filled in correctly. It is just that pre-printed cheques in a book make the whole banking process easier. A shop may refuse to accept a cheque drawn on the Midland bank, especially if you try using it with a HSBC cheque guarantee card, which makes the whole exercise a bit of a hassle. It would be much easier to hand it back into your bank and get a new book issued.
2006-09-25 07:44:07 · answer #2 · answered by Mental Mickey 6 · 0⤊ 0⤋
1
2017-01-18 14:07:13 · answer #3 · answered by ? 4 · 0⤊ 0⤋
Do you have money in that account? Did the bank switch names? How long ago? If the bank switched names recently then it may be okay. My credit union switched names and all clients were allowed to use their checks until they were gone. The best thing to do is contact your banking institution.
2006-09-25 06:38:16 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Yes you can. I work for a bank myself and have this happen all the time. There are extra checks that need to be done so it may take a little longer to clear but you should be ok.
2006-09-25 07:46:15 · answer #5 · answered by uk_17 1 · 0⤊ 0⤋
As long as you still have money in your Midland Bank account??
2006-09-25 06:42:38 · answer #6 · answered by . 7 · 0⤊ 0⤋
No...you have two different checking accounts with two different banks. The only way you would be able to use those checks is if you still have that account open with that bank...if not pitch them.
2006-09-25 06:50:25 · answer #7 · answered by Anonymous · 1⤊ 0⤋
NOO! That would be a crime---issuing worthless checks.
The midland check would go to the midland n=bank were you dont have an account. its illegal.
2006-09-25 06:38:02 · answer #8 · answered by Anonymous · 0⤊ 1⤋
As long as your sort code & account number & name on the account are still the same. I dont see why not.
2006-09-25 06:37:15 · answer #9 · answered by 17 2 · 1⤊ 0⤋
Not legally as its fraud. if you want cheques bouncing in your name giving you bad credit then yes. spend spend spend
2006-09-25 06:44:03 · answer #10 · answered by Anonymous · 0⤊ 0⤋