[PDF] NatWest Welcome Account

4.2 Cheques4.2.1 The following terms apply when a UK Sterlingcheque, which is issued by and deposited with usor another UK bank, is paid into your account:(a) If the cheque is paid in over the counter at thebranch where you have your account, themoney will be added to your balance by thenext business day. In any other case, themoney will be added to your balance by thenext business day following the day on whichwe receive it or (if we receive it on a day whichis not a business day) by the second businessday after the day we receive it.(b) The money will be credited to your account forinterest purposes no later than two businessdays after it is added to your balance.(c) The money will be available for you to use nolater than four business days after it is addedto your balance.(d) If the bank, building society or otherorganisation that the cheque was drawn ondecides not to honour it, they will normallyexplain the reason for non-payment. We willdeduct the amount of the cheque from yourbalance no later than the end of the sixthbusiness day after it was added to yourbalance. After that, we will not deduct theamount of your cheque from your balanceunless you give your consent to our doing soor you were knowingly involved in a fraudconcerning the cheque.4.2.2 Where legal reasons require, or in certain limitedcircumstances beyond our control, the payment ofa cheque into your account may be prevented ormay take longer than the time periods set out inGeneral Condition 4.2.1.15