DEPOSIT AND STOP CHEQUES ONLINE
There's no need to visit a branch. Deposit, stop a cheque, view images of presented cheques, or report a lost or stolen chequebook, all online.
Australia is phasing out cheques
You can still write and deposit cheques for now. Here are the key dates to keep in mind:
- 1 July 2028 – you can no longer write new cheques or order bank cheques
- 1 October 2029 – you can no longer deposit cheques into your account.
Some banks and organisations may stop issuing and accepting cheques earlier.
Deposit cheques using your smartphone
In the Westpac App
Make sure you have the latest version of the app.
- Search Cheque deposit in the search bar
- Enter the cheque amount and select the account
- Photograph the front and back of the cheque using your smartphone and tap Submit
Tip 1: This feature is only available on smartphones and to customers with a long-term and primary banking relationship with Westpac.
Tip 2: There’s no limit to the number of cheques you can deposit; however, there is a $5,000 limit for the total value of cheques deposited over 7 days.
Tip 3: The funds will usually clear in your nominated transaction account within 3 business days.
Stop a cheque before it’s debited
In the Westpac App
Make sure you have the latest version of the app.
- Search Stop cheque in the search bar
- Tap whether you'd like to stop a single cheque or a range of cheques
- You can continue to add the information about the cheque you'd like stopped then Send request and Stop cheque.
In Online Banking
- Search stop cheque in the search bar
- Select payer/drawing account, select open or crossed and serial number, select amount (optional), Date written (optional) and payee (optional) and then select Send request
- Select Stop Cheque. Confirmation screen is displayed and you'll have a message in your Message Centre.
A $12 fee will automatically be deducted from the cheque account.
Tip: If you can’t see the option to ‘Stop an unpresented cheque’ within a business network, your access may not allow you to stop a cheque. Ask your Administrator to edit your access to be able to use this feature.
View images of cheques or deposit slips
In Online Banking
- Select the account where the cheque or slip was deposited
- Select the cheque, deposit or withdrawal slip from the transaction list
- Select View image
Tip: You can view scanned images of a cheque, deposit or withdrawal slip for 3 years after it has been received.
Report a lost or stolen chequebook
In Online Banking
- Search stop cheque in the search bar
- Select Report lost/stolen cheque book, select account and enter cheque range (first and last serial) and then select Send request
- Select Cancel cheques. Confirmation screen is displayed and you'll have a message in your Message Centre.
Frequently asked questions
Scanned cheques will appear on the next NSW banking day. It would take a further business day if you scanned the cheque after 9pm (Sydney time).
Cheques will usually clear in 3 business days.
Please contact Westpac on 1300 655 505 if you have any questions about a cheque you have scanned but cannot locate as a deposit in your account.
Please keep the cheque for 2 weeks and then securely destroy it. We suggest that you write ‘deposited’ across the front of the cheque as a reminder that you have deposited it.
The cheque feature can accept most personal and business cheques up to the value of $5,000.
If the cheque has been identified as being:
- A duplicate – destroy the cheque
- Dishonoured – contact the drawer of the cheque
- Declined – visit a branch to deposit the cheque.
If the cheque was rejected, there are a number of possible reasons. In some cases, the cheque’s MICR line may have writing interfering with it.
You don’t need to do anything. The deposit will be corrected through the overnight processing and you will see an adjustment in your account.
Depending on the account receiving the deposit, you may be charged a cheque collection/deposit fee and/or a staff-assisted deposit fee for each cheque deposited.
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Things you should know
Read the Westpac Online Banking Terms and Conditions (PDF 627KB) at westpac.com.au before making a decision and consider whether the product is right for you.
Mobile cheque deposits are subject to eligibility. Contact us to find out if this service is available with your account.
You must have the latest version of the Westpac Mobile Banking app and a compatible iOS or Android operating system.
Mobile cheque deposits may be used to submit cheque/ cheques totalling up to $5,000 in any 7-day period – as a personal customer and/or across a business network. You may only submit Australian dollar cheques; you must be the true owner of the account; and you must not allow a cheque to be deposited again after it has been submitted. After you have submitted a cheque please keep it safe for 2 weeks, then destroy it securely.
Uncleared funds will appear in your account on the next business day (or the business day after that if you submit a cheque after 9pm AEST, or on a day that is not a business day). Funds will usually become available after a further 3 business days.
Westpac Mobile Banking applications are only available for use by Westpac Australia customers.
Internet connection is needed to access the Westpac Mobile Banking app. Normal mobile data charges apply.
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