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Picklebobble2 · 56-60, M
@ArishMell My Mother still writes cheques and they keep sending her chip and pin cards that she always returns since she likes to physically enter an access code rather than just have a machine accept a swipe without knowing who is swiping it.
Useless piece of technology really. Certainly in terms of security.
Most people use the chip and pin debit cards as the deductions from your account occur usually within a few minutes rather than the three to five working days for cheques to clear
Useless piece of technology really. Certainly in terms of security.
Most people use the chip and pin debit cards as the deductions from your account occur usually within a few minutes rather than the three to five working days for cheques to clear
ArishMell · 70-79, M
@Picklebobble2 The swipe system is worrying.
Lose your card and until you've realised it and managed to block it, a dishonest finder could have had a field-day at your expense.
In any case it's worth having most of your money in a separate account from the one that handles your transactions.
I do use the mis-named "swipe" method, and it has obvious merit in a plague; but I would have preferred they had kept to the card and PIN only.
I've not often found the cheque-clearing time a problem, but it does depend on what you are using it for. If buying something costly and privately, like a car, it may make things awkward. Otherwise the delay is immaterial, for something like a club or magazine subscription, a Christmas money-gift (as long as the recipient remembers it!) or the heating service bill I paid recently. After all, it is still coming out of your account be it in five minutes or five days, so as long as you remember it will, what's the rush?
Lose your card and until you've realised it and managed to block it, a dishonest finder could have had a field-day at your expense.
In any case it's worth having most of your money in a separate account from the one that handles your transactions.
I do use the mis-named "swipe" method, and it has obvious merit in a plague; but I would have preferred they had kept to the card and PIN only.
I've not often found the cheque-clearing time a problem, but it does depend on what you are using it for. If buying something costly and privately, like a car, it may make things awkward. Otherwise the delay is immaterial, for something like a club or magazine subscription, a Christmas money-gift (as long as the recipient remembers it!) or the heating service bill I paid recently. After all, it is still coming out of your account be it in five minutes or five days, so as long as you remember it will, what's the rush?
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Picklebobble2 · 56-60, M
Ordinary boring current account.
Used to be a checking account before checks were a thing of the past.
It’s had that many different names every time the bank rebrands it’s accounts and wants to discontinue a service nobody uses anymore
Used to be a checking account before checks were a thing of the past.
It’s had that many different names every time the bank rebrands it’s accounts and wants to discontinue a service nobody uses anymore
ArishMell · 70-79, M
@Picklebobble2 Current and savings accounts, and I still occasionally use my the current account's [i]cheque[/i]-book; most recently only two weeks ago.
Cheques may be a thing of the past for you, but not everyone. They still have their place although shops have stopped taking them. You may recall the banks had to abandon their plan to stop issuing cheque-books some years ago, because they were and still are unable to create a satisfactory alternative.
("Cheque" is the proper UK spelling for the document that certainly was, and may still be, standard to all Current Accounts. You have to request a cheque-book now. There were no "Chequing" let alone "Checking", Accounts.
"Check" is the American spelling for the bank document; and an American synonym for "test", "tick", "verify" and apparently, "pay-slip".)
Cheques may be a thing of the past for you, but not everyone. They still have their place although shops have stopped taking them. You may recall the banks had to abandon their plan to stop issuing cheque-books some years ago, because they were and still are unable to create a satisfactory alternative.
("Cheque" is the proper UK spelling for the document that certainly was, and may still be, standard to all Current Accounts. You have to request a cheque-book now. There were no "Chequing" let alone "Checking", Accounts.
"Check" is the American spelling for the bank document; and an American synonym for "test", "tick", "verify" and apparently, "pay-slip".)
SarahPP · 26-30, F
I’ve had a Barclays account since I was 16. Never had an issue.