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Ways to bank without cheques

Cheques are being phased out across Australia

With improvements in payment services across the banking industry, we’re increasingly seeing customers choose digital options. This shift means we’re phasing out cheques at Bank Australia starting 12 January 2024, for existing and new accounts. We understand this will come as a change for some and we’re here to do our best to help you bank in ways that suit you. 

Important dates

Cheque and deposit books (new and replacement) will no longer be available to order

All cheque services will become unavailable at Bank Australia

What you need to know

To help with the transition of these services, from 12 January 2024, you will no longer be able to order new or replacement cheque books.  

From 28 March 2024, you will no longer be able to access cheque services at Bank Australia.

We’re looking at ways to expand our service offering to enable accessibility for people who prefer face-to-face banking, this includes reviewing our Bank@Post services.

What do we mean by cheque services

Cheque services include:

Cheque books: using your current cheque and deposit book or requesting a new one

Bank cheques: requesting a bank cheque

Branch cheque deposits: depositing a cheque at a Bank Australia branch

We’re here to help and listen

Alternative ways to pay

There are many alternatives to paying via cheque. We can help if you aren't sure what's best for your situation. Here are some examples:

For example
You could try

Pay a bill

Using the app or internet banking to make a BPAY® payment or ‘pay someone’ using BSB/Account number, direct debit or PayID.

Send money to someone

Using the app or internet banking to ‘pay someone’ using BSB/Account number, direct debit or PayID.

Deposit into your account

Visiting Australia Post with Bank@Post services where you can deposit cheques and cash (up to $5,000 cash) or using the app or internet banking to make a BPAY®, direct debit or PayID.

Make a super contribution

Using the app or internet banking to make a BPAY® payment or ‘pay someone’ using BSB/Account number, direct debit or PayID.

Pay a loan

Setting up a direct debit or using the app or internet banking to ‘pay someone’ using BSB/Account number, direct debit or PayID. 

For example
You could try

Pay a bill

Using the app or internet banking to make a BPAY® payment or ‘pay someone’ using BSB/Account number, direct debit or PayID.

Send money to someone

Using the app or internet banking to ‘pay someone’ using BSB/Account number, direct debit or PayID.

Deposit into your account

Visiting Australia Post with Bank@Post services (you can deposit up to $5,000 cash) or using the app or internet banking to make a BPAY®, direct debit or PayID.  

Make a super contribution

Using the app or internet banking to make a BPAY® payment or ‘pay someone’ using BSB/Account number, direct debit or PayID.

Pay a loan

Setting up a direct debit or using the app or internet banking to ‘pay someone’ using BSB/Account number, direct debit or PayID. 

Why are we phasing out cheques?

We’ve made the decision to phase out cheques because of changes in payment services across government, retail and the banking industry. 

Over recent years, we’ve seen increased demand from our customers for digital banking services, and a rapid decline in the use of chequebooks. 

Now, with the Australian Government announcing that cheque services won’t be available beyond 2030, we’re getting ahead of this change to make sure you have the information and services you need to do your banking without cheques.

Frequently asked questions

Why are you making these changes?
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Recently we’ve seen customers continuing to take up our digital services through app, internet banking, digital wallet and PayID. 

The digital uptake of our customers alongside our payment provider removing cheque services across the industry means we’re required to look at how we can best service our customers online and in person into the future.  

Can I still order a cheque book?
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From 12 January 2024, new and replacement cheque and deposit books will no longer be available to order. All current cheque books will remain valid until 28 March 2024.

I’m receiving regular payments by cheque, what do I need to do? 
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Customers will need to make contact with the sender to arrange a transfer of funds or they can deposit cheques via Bank@Post.

What do I do with my cheque book after Bank Australia stops accepting them?
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For security reasons, we ask that customers safely destroy their cheque book or return to Bank Australia for destruction.

What happens if a cheque is presented to Bank Australia after 28 March 2024?
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Unfortunately, any cheque presented after 28 March 2024 will not accepted.

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