How do I know if a cheque has bounced?

For my bank it would normally be the other way round if a cheque was waiting to clear - the available balance would show as higher than the account balance. The other way around would be if something was waiting to go out.

I think it depends on exactly how your bank does things, though. I would call them and ask.

It might just not be there yet because its not 'office hours' yet IYSWIM. Im sure they will be able to tell you if you do call though. Frustrating!

I'm with HBOS and quite often cleared cheques don't show as available until 9am. It also shows the balance in the same way as yours. Once a chq on my account did bounce and Balance and available balance both showed no chq.

Hope it clears ok!