The guides below help with common tasks and frequently asked questions about cheques.
Using cheques
Use our branches and cash machines
The easiest and quickest way to deposit a cheque into your account is using the cash machines at our branches, or over the counter. Our branch counters accept cheques to be paid into any type of account, but cash machines can accept cheques paid into current accounts or savings accounts.
The cheque deposit envelope remains sealed until it reaches Santander to ensure the contents remain secure. The ‘cheque only’ deposit slip inside the cheque deposit envelope will tell us how many cheques you have deposited and their value. Santander Consumer USA Inc. Box 660633 Dallas, TX. Overnight Mail for payoff checks should be sent to: Santander Consumer USA Inc. Mockingbird Lane Suite 100 Dallas, TX 75247 Mailed payments only accepted at this location. Note: Personal checks may have an extended title release time frame.
You can use most of our cash machines at any time but 9 of our branches only have internal cash machines and not external ones. These branches are: Canterbury, Canary Wharf, Chelsea, Isle of Man, Oxford City, St Neots, Surbiton, Tenterden and Wells.
Santander Pay In Cheque
If any of these branches are closed, you can’t use the internal cash machines to deposit cheques.
- To understand what a cashier’s check is and how it is used, it helps to start at the beginning. If you have ever written a personal check to pay for an item or service, you are likely familiar with the concept: Paying with a special slip of paper imprinted with your account number, routing number, personal information, payment information, and signature.
- Without this information we won’t be able to pay in your cheque. Requesting paying-in slips Send the cheque to: Santander Processing, P.O. Box 12644, Harlow, CM20 9QH. Depositing at a cash machine. You can deposit up to 30 cheques at a time into our cash machines. You’ll need your debit card and PIN.
Please note that some of our branches are now temporarily closed because of coronavirus.
Posting your cheques
You can use the post to deposit cheques into your current account, credit card account or savings account with a sort code and account number. We can’t accept cheques for mortgage or loan payments in the post.
- If you have a paying-in slip, complete it and send it with the cheque.
- As a precaution, please take a photo of your cheque or keep a note of the cheque details.
- If you don’t have a paying-in slip you can still deposit your cheque, please write your postcode, sort code and account number the cheque is to be credited to on the back of the cheque. Without this information we won’t be able to pay in your cheque. Requesting paying-in slips
- Send the cheque to: Santander Processing, P.O. Box 12644, Harlow, CM20 9QH.
You can deposit up to 30 cheques at a time into our cash machines. You’ll need your debit card and PIN.
Then you need to:
- Insert your card into the cash machine and type your PIN.
- Choose ‘Deposit cheques’.
- You’ll be asked to put the cheque/s into the machine.
- The cash machine will scan the cheques and calculate the value – if there are any it can’t read it’ll ask you to type the value in on the screen.
- Confirm the value and that you’ve paid your cheque/s in.
If you’ve tried to pay in a cheque that the machine can’t read, or an invalid cheque, the machine will return it to you.
If you need to request a foreign currency cheque, or pay a foreign currency cheque into your account, we can help. Take a look at the ‘Foreign currency cheques/drafts’ section on our making international payments page.
The easiest and quickest way to request a new chequebook is using Online Banking.
- Go to the ‘My details and settings’ tab
- Go to ‘Other services’ in the left-hand menu
- Go to the ‘Request chequebook’ link
Don’t have Online Banking? Get started online
Alternatively you can contact us
Cancelling a cheque is often called stopping a cheque.
We can’t stop a cheque if you realise you haven’t got enough money to cover it or if you’ve changed your mind. If you think a cheque is lost or stolen please contact us
If you don’t recognise the date, value of the cheque, or it was not written by you then contact us
You can cancel a cheque or chequebook in branch. You can find your nearest branch and check opening hours using our branch locator
Pay Cheque Or Check
Take a look at our table to see how long it takes for the money to show in your account, depending on how you deposit the cheque.
In most cases the cheque will fully clear a few days later. However, it’s important to remember that while the money will be available, if the cheque does not then clear the money will be taken back out of the account.
| The way you deposited | When funds usually become available | Things to remember |
|---|---|---|
| Posted | Available by 5pm the next working day after the cheque has been received | We can’t accept mortgage or loan payments and payments into passbook accounts by cheque in the post |
| Branch counter (deposited on a working day) | Available by 5pm the next working day | All cheques accepted |
| Branch counter (deposited on a non-working day) | Available by 5pm 2 working days later | All cheques accepted |
| Cash machine (deposited on a working day) | Available by 5pm the next working day | We can’t accept mortgage or loan payments and payments into passbook accounts by cheque at cash machines |
| Cash machine (deposited on a non-working day) | Available by 5pm 2 working days later | We can’t accept mortgage or loan payments and payments into passbook accounts by cheque at cash machines |
| Post Office | Available by 5pm the next working day from when the cheque is received at our clearing centre | We can’t accept mortgage or loan payments and payments into passbook accounts by cheque at Post Office counters |
Payment Addresses
If you wish to pay with a personal check, cashier’s check or money order via regular mail, please make the payment payable to Santander Consumer USA and send it to the address listed on the pay stub attached to the bottom of your monthly statement:
We accept mailed money orders, cashier’s checks and personal checks. We do not accept credit cards, third-party checks, title-stipulated drafts, checks with restrictive endorsement, checks issued by a foreign bank or cash.
Your monthly statement includes a payment stub complete with correct mail-to address, amount due and your account information. For prompt and accurate processing of your payment, please make your payment payable to Santander Consumer USA, write your 7-digit account number on your check and return it with your payment stub in the envelope provided with your statement.
Please note that it takes seven to ten days for a payment to process via mail. For this reason, it is inadvisable to send a late payment via regular mail. If your payment due date is fast approaching, or a holiday or weekend is near, you may want to consider one of the alternate payment options described in the Make a Payment section of this Web site.
All mailed payments, including overnight and certified payments, generally post to your account within three business days after the payment is received.
- Santander Consumer USA
- P.O. Box 660633
- Dallas, TX 75266-0633
Mailed payments only accepted at this location.
If you wish to send a payment in the form of a personal check, cashier’s check or money order via overnight mail, certified mail or next day air, please make it payable to Santander Consumer USA and send it to:
- Santander Consumer USA
- 1010 W. Mockingbird Lane, Suite 100
- Dallas, TX 75247
Mailed payments only accepted at this location.