mundi, i to work at the CBA here down at Vic.
Bank Chq's are pretty safe and I make a chq for a purchase of a car about 20 times a week. Just pay the 15 bucks to clear it. Make sure bank chq is signed, if over 20k make sure it have 2 sigs on it from staff at the bank it was purchased from. Bank chq's cleared on the same day as deposit but after digital scanning and the magic that computers do our days, the banks decided to use 3 days to process the chq. When the bank chq is purchased it has a carbon copy, Mundi should know about this, we write down the name and account number of the person making the purchase. After the chq gets deposited it meets up with the Carbon copy in order for it to clear.