The chart below shows clearance times if you pay the cheque in today, but you can select any date and click "Calculate" to show a different day of deposit.

Wed
18
Jan
Thu
19
Jan
Fri
20
Jan
Sat
21
Jan
Sun
22
Jan
Mon
23
Jan
Tue
24
Jan
Wed
25
Jan
Thu
26
Jan
Cheques paid into any Nationwide current account (where interest is earned):
Cheques paid into any Nationwide savings account:

Table Key

Day paid in
Interest earned: when Nationwide start paying you interest on any cheque you have deposited to your savings or current account (where the current account earns interest).
Withdrawal allowed: when Nationwide allow you to withdraw against any cheque you have deposited with us.
Certainty at end of day (11:59pm): when Nationwide will not reclaim, without your permission, any cheque deposited (except in cases of fraud).

Although the Society makes funds available to allow you to withdraw against cheques as shown above , this does not mean that the cheque has fully cleared for 'certainty'.

Cheques can be returned unpaid (for example, if the person who gave you the cheque has insufficient money in their account) and if so can be removed from your account up until 11:59pm on the 'certainty' date shown above .

For withdrawals and 'certainty', if a cheque is paid in to the account on a Saturday, Sunday, Bank Holiday or at a Nationwide cash machine then the day of deposit will be the next working day.