The tool below will show you the maximum time it will take for your cheque to clear. Banks and building societies will still compete to offer services that beat these guaranteed time limits for interest and withdrawal. If you are in any doubt you should speak to your bank.

1. You can pay in a cheque in a number of other ways - such as at a cash machine, by post or at a post office. However, these may all affect when your bank actually receives the cheque and the timescale starts. If you are not sure when day 6 has passed you should check with your bank.

2. If your account pays interest on credit balances it is also the point at which this money will reduce the balance on which overdraft interest is charged.

3. For savings accounts the maximum time limit for withdrawal is longer.

4. You will be able to withdraw this money from your savings account if the account allows withdrawals.