Many banks are and have been moving their operations towards digitisation and automation. This, while good, may pose a challenge for people who tend to issue lots of cheques. This is because such persons often rely on the exigencies of the manual clearing system to manage (and in most cases, delay) payments to clients, suppliers and 3rd party parties. However, with the entrenchment of the automated clearing house system, the banking industry has begun sanitising the cheque payment system. This means that soon, many people and businesses will experience automated return cheques when account balances are not sufficient. Subsequently, penalties for such return cheques may be charged to you. Alternatively, payments to clients, suppliers and 3rd parties can be made via the use of various mobile payment options such as mobile money, Slydepay, Expresspay and a number of internet and mobile banking apps that ensure convenient and safe transfers/payments.   Written by: Bernard Adu-Gyamfi @benoadugyamfi Bernard Adu-Gyamfi (M.CFIA) is an Enterprise Banker as well as an Energy Finance and Risk Analyst with over 10 years’ experience in Banking. He is also a member of the Chartered Institute of Financial and Investment Analysts, Ghana (CIFIAG). Source: Glitz Africa Magazine Issue 18