Lloyds, Halifax, Bank of Scotland major service change for all customers comes in

Lloyds Banking Group has said major service change has come in this week that will affect 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.

Many people use the Post Office for their everyday banking, such as withdrawing cash and paying in deposits. Previously, customers with Lloyds Banking Group could pay in cheques using a personalised paying in slip and a deposit envelope.

However, this service is no longer available. 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.

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."

Lloyds customers will still be able to access many services at the Post Office, including depositing money, whether or not you have your debit card with you.

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."

Customers can also take out up to £300 a day from their current account at the Post Office. You will need your debit card and PIN to do this.

You can also check your balance, but again you will need to have your debit card and to insert your PIN to do this.