A cheque is a written order from an account holder, instructing their bank to pay a specified sum of money to a named recipient. Cheques go through a clearing process so the amount you pay in may not be available to use straight away.

We meet the requirements of the 2-4-6 cheque clearance process implemented by most banks and building societies. The 2, 4 and 6 refer to the number of working days after a cheque has been paid into an account. Working days are Monday to Friday, except bank holidays.

Development of a new system of exchange of digital images of cheques enables to make the system faster and easier using the smartphones as an option.