- no cash needs to be carried
- money spent can be tracked by completing the cheque book stub
- immediate record of payment is made, giving full details
- cheques can 'bounce' if no money is available in customers bank account
- funds need to be cleared
- time between the cheque being paid into the bank and the funds being transferred can take around 3-5 days
- cheques must be paid into a bank within six months otherwise it will become invalid.