For example, paying by direct debit with online bills would be cheaper than receiving a paper bill and paying by cheque.
In most wealthy countries, even cash-obsessed Germany, such transactions are done by bank-to-bank transfer, direct debit or, at a minimum, by cheque.
The euro was introduced at the start of this year for non-cash transactions only (such as electronic-funds transfers, and payments by cheque or credit card).
David, from Leigh in Essex, had the same thought when he had a similar call from Santander following an unexpected payment he had made by cheque.
Consumers wanting to buy goods by mail order may be unable to pay by cheque because the seller will be unwilling to accept a payment that carries a levy of nearly 25%.
Commenting on the 2010 incident, a spokesman for Mr Balls said he had paid a fine by cheque to Thames Valley police and handed his licence to his local police station in Wakefield.
As now, anyone paid by cheque will deposit it in their bank, to be sent on to various clearing houses, which route the cheque back to the issuer's bank for payment approval and the transfer of funds.
The firm has opened branches in shopping malls and attracted new customers by offering cheque-cashing, pay-day advances and pre-paid credit cards.
The cheque guarantee, denoted by a Shakespeare hologram on a card, meant a cheque was honoured by a bank, even if sufficient funds were not in an account.
Those who pay by cash and cheque every quarter will see prices rise by 1.4%.
This image can be reconstituted into a paper cheque by the drawer's bank.
The supermarkets feel no need to offer the money-losing services featured by most banks, notably cheque-writing accounts.
He was then contacted by the sender of the cheque and asked if he could pay back the additional money as it had been a mistake.
BBC: Bouncing cheques are a big problem for small businesses.
It may be a long time before nations are given by the UN such a blank cheque again.
As for the cheque, he said he might have simply scooped it up by mistake as he carted off documents from the Pope's office, the BBC's Alan Johnston reports.
The structure of the charges can vary depending on payment method (by direct debit, pre-payment meter, or credit transfer such as cheque), on whether it is an internet-only tariff, which part of the country the customer lives in, if the deal involves a fixed price, when the deal was launched, how long it lasts, and so on.
Headquarters rejected this latest appeal on the basis that the cheque had not been properly completed in the Irish Language as is required by rule.
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