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.

Sun
25
Sep
Mon
26
Sep
Tue
27
Sep
Wed
28
Sep
Thu
29
Sep
Fri
30
Sep
Sat
01
Oct
Sun
02
Oct
Mon
03
Oct
Tue
04
Oct
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.