Decided to phase out cheques

[Rachael]

Rachael, that is true. Thinking back, I guess because I had called my bank, the process went quicker because they knew the cheques would bounce.

Yep. It's easy to forget that there is a paperwork process behind a cheque and although much of that is automated, there is still some level of the physical cheque being mailed from one financial organisation to the next. Where we live in an age where the internet makes many things instant, we all kind of forget sometimes, that not everything else is. :-)