1. Charges for mobile alerts
1.1 We won’t charge you for sending mobile alerts. We’re not responsible for any charges imposed by your mobile operator or app provider.
2. Accuracy of mobile alerts
2.1 The mobile alerts you receive are accurate when our systems create them. The details of funds available in your accounts and the status of any other information provided may change before and after you receive them.
2.2 We cannot guarantee the availability or successful delivery of mobile alerts. We’re not responsible for any loss, cost or charge you incur if mobile alerts are unavailable at any time, or you don’t receive an alert promptly or at all – for example, if your device is switched off or lacks signal or data connectivity.
3. Changing your mobile phone number
3.1 You must tell us if your mobile phone number changes or if your phone is lost or stolen. If you don’t tell us:
3.1.1 we’ll continue sending alerts to your old device or number until you tell us;
3.1.2 we won’t be liable for any loss you suffer if someone else finds out your product information.
1. Types of cheque you can deposit
1.1 You can only deposit cheques in pounds payable from another Halifax bank account or a participating UK bank or building society into a Halifax bank account or savings account where you are a named account holder. You cannot use cheque imaging to deposit the following cheques:
- traveller’s cheques;
- bank giro credit;
- electronic vouchers;
- other non-standard cheques.
1.2 The cheque must be payable to you, and the name on the cheque must match the name or one of the names on the account you are paying it into.
1.3 You can’t deposit a cheque if you’ve previously tried unsuccessfully to pay it in at a branch, Post Office, ATM machine or any other place; or if we have previously refused to accept it through cheque imaging for a reason in condition 3 below.
2. Depositing a cheque
2.1 The cheque imaging cut-off time is 10pm and our app will tell you if the cheque deposit process was successful.
2.2 If it was, this means the cheque image and related details you provided were captured for processing. It does not mean the cheque itself is problem-free or that it will be paid. When we start processing the information, we may still reject the cheque for a reason given in condition 3 below.
2.3 You can see the status of cheques successfully deposited through our app in the Deposit History tab. This will show only cheques deposited using cheque imaging on that device. It will not show cheque-imaging deposits made on another device by you or by any joint account holder on their device. Unsuccessful deposit attempts are not recorded or displayed in our app.
2.4 While a cheque is being processed, its status will show as ‘pending’. If the status of a cheque is shown as ‘pending’ or ‘funds available’:
- you must not try to pay in the same cheque again using our app;
- you must not try to pay in the same cheque again in some other way, for example, at a branch.
2.5 If the status of a cheque is shown as ‘Rejected’, a message will be displayed in Deposit History explaining why the cheque was rejected and what you can do next.
3. Why might we reject a cheque?
3.1 To reduce the risk of fraud, we limit the value of cheques you can pay in using cheque imaging. This means you can pay in a single cheque up to the value stated in our app, or several cheques that add up to that value on the same day. We may change these limits at any time, but you’ll always see the current daily limit value displayed in our app.
3.2 For various reasons, we may be unable to process a cheque – please refer to your product terms and conditions for full details. When depositing through cheque imaging, the following reasons could also apply:
a) it is not a type of cheque we can accept;
b) the cheque is not in pounds sterling;
c) the quality of the cheque image is not good enough.
4. What happens if we reject a cheque?
4.1 If you successfully deposit a cheque but we later reject it, this will show as a debit in your transactions in the Deposit History tab and the funds will no longer be available. Unless prevented by law, we’ll also tell you the reason for the rejection and what you should do next.
4.2 A cheque can be returned unpaid even after you have paid it into your account, as explained in your product terms and conditions.
5. How long must you keep the paper cheque?
5.1 You must keep the paper cheque until it is showing as ‘funds available’ in your Deposit History. This is in case there are queries or you need to resubmit the cheque some other way.