Hi all, first post, long time Natwest customer!! They have always charged me straight away and the most galling thing is knowing on a Friday night that things are gonna bounce, putting cash in at the branch on a Saturday, only to have them bounce the cheque/DD on the Monday because 'cash isn't verified until the next working day'. I though the cashier verified it when they took the cash from my hand and put it into a till and gave me a receipt??!! Once a cheque bounced on a Monday. Fine, £35 charge, I'll ring them and get it back. But then on Friday they try to represent the cheque, and it's gonna bounce because there's no way I can get to a bank during the week and I didn't even know it would be represented as the cheque had been returned to the payee. So I call them and they say they will try to stop the cheque ('ten pound charge thankyou') and 'it will probably bounce but then if you call we will refund this charge'. It did bounce, and they under-refunded me later which is another story. They should give notice like most others. They are quick enough to charge ridiculous fees instantly but then take a couple of days (Saturday to Monday night?!) to process cash they have in their hands.