Years ago when I worked in the bank there was a facility to allow funds in savings to cover cheques that would not be covered by available funds in the current account - I think we called it a set-off? But way back then banking was a profession, and not an industry, and the bank manager was called Mr MacMahon or Manager (even by the staff), and he made the call on whether or not the cheque would be honoured if it was above a certain amount. . Different times, and different procedures now, there will be very few cheques written in the next few years, especially when it costs €1.30 to write one @ BOI....