So a cheque from a Natwest account will clear within 2 hours of depositing through the machine in branch, is that correct? I’ve not tried that, no, I usually pay them out of hours through the ATM or if it’s a Lloyds cheque I will go to the counter as it will clear instantly.
I think the PayPoint option would be much better, whilst I understand that cheques are a bit out dated, they are still used a lot. Cash needs to be deposit-able too, some folks will take cash out for a night out and then have some left that they want back in their account, the same could be said for birthday money.
There was talk, however, of being able to pay in cheques using a photo, I think this could be a great feature too, but it wouldn’t work for cash, unfortunately 