I have only had an issue with cheques with one family. I have no issue with cheques and prefer them actually. My bank doesn't put a hold on any of my cheques unless I deposit it in the bank machine and even then it is only 2 or 3 days. I get cheques from everyone every 2nd Friday morning and my husband runs to the bank by noon and deposits them all. I make all my payments, my mortgage comes out that night as well as our car loan. My bank would call me on Monday or Tuesday if a cheque bounced.