HSBC Online Banking activation

We're currently making improvements to our Online Banking service.

If you registered for Online Banking prior to the 17th December 2014 it's not possible for you to activate your existing Secure Key and you will need to re-start your registration.

If you registered for Online Banking after this date, please log on to Online Banking entering your username, memorable answer and your password, from here you will be prompted to activate your Secure Key.

We apologise for any inconvenience which this delay may cause. Once you are registered, we look forward to introducing you to Online Banking, including the exciting enhancements we're working on now.

Find out more
 

Cheque Imaging

How your bank statement will change

Prior to Cheque Imaging you would have seen a cheque paid in as pending on your account until it had been cleared. Currently this could take 2-6 days This will change once imaging comes in and you will no longer see cheques paid in as pending, but when it has cleared. If it does not clear by 23:59 on the next working day the cheque has been returned unpaid and you will see a credit and debit cheque transaction. You will also receive a letter to explain the reason why the cheque was unpaid.

Ensure you have funds available

You need to ensure you have sufficient funds when writing your cheques and until the cheque has debited your account, as it could be as quick as the next day. If there is not enough money to pay your cheque at the start of day we may try to pay it again at 1.30pm. If there is not enough money it may be returned unpaid. This will apply to all UK sterling bank cheques.

Useful information

Stopping a cheque

Represents

Special Presentations

Cheque Imaging 48hrs

Cheques processed via the new system will mean if a customer pays in a cheque on a weekday they will be able to withdraw their money by 23:59 on the next weekday (excluding bank holidays).

Day One: you deposit your cheque

Day Two: the day money your will be available to be withdrawn by 23:59 and interest will start to accrue.

Clearing cycle

Table Table

Cheque Imaging statement transactions

Paid cheques

Credit Transaction will appear on the account by 23:59 weekday after the cheque deposited.

Unpaid cheques

Credit and debit transactions will show on the account once unpaid decision has been received by 23:59 weekday after the cheques deposited and a letter will be sent advising the reason.

Represents

Credit and debit transactions will show on the account once unpaid decision has been received by 23:59 weekday after the cheques deposited and a letter will be sent advising the cheque will be represented for payment.

Paid cheques

Unpaid cheques

Represents

FAQs

Back to top