Lloyds and Halifax major service change for all customers

In a move that will affect all people who bank with Lloyds, Halifax, and Bank of Scotland, customers will no longer be able to deposit cheques at the Post Office using pay-in slips.

Previously, customers with Lloyds Banking Group could pay in cheques using a personalised paying-in slip and a deposit envelope. Now, this service is no longer available.

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Lloyds Banking Group said it has stopped the service as very few customers pay in cheques at the Post Office.

A spokesperson said: "Most customers use our app as the easiest way to pay in a cheque, by taking a photo on their phone and letting us take care of the rest."

You can deposit a cheque through the Mobile Banking app, using the 'Deposit cheque' feature and then using your camera to scan the front and the back of the cheque.

Customers are advised to keep hold of the cheque until the funds have been paid in. You can also cash in your cheques in branch.

However, some banking experts have raised concerns that ending the service could majorly impact some customers.

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Consumer rights advocate Martyn James said that the ability to deposit cheques is still a "vital lifeline" for some bank customers.

He explained: "With millions of cheques still issued each year, and older people relying on them far more than other age groups, this group stands to lose the most from these changes."

The Lloyds Bank website explains: "You can pay in up to £2,995 a month and up to £20,000 a year. If you have a joint account, you can both pay in up to £2,995 a month and £20,000 per year."