as a side note , for the last 30 yrs + there were always cheque cashing shops where they took a percentage , I remember many moons ago working for a agency (pertemps?) who paid you by cheque , if you walked to the bank (probably closed at 3pm) it would take 5 working days to clear , the cheque cashing place would give you money on the spot

since the cheque scanning by phone , they are being cought out , as essensially they are second person trying to cash the cheque , many have been cought out , never to see the person again

most cheque cashing p;aces haver now shut down