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          <h3>Cheque Banking</h3>
          <p> Withstanding the test of time. </p>
          <a href="#stc" class="btn btn-default btn-sm smooth">Find out more</a> </div>
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                <li>You are here:</li>
                <li><a href="index.php">Banking With Us</a></li>
                <li>Cheques</li>

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                <h1>Let us help you with our cheque banking services</h1>

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                <h2> Cheque Books</h2>
                <p>Make cheque payments from your <?php echo $settings->get("sname"); ?> personal or business transaction account, line of credit or overdraft account*.</p>
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                    <th valign="top"> Convenience       </th>
                    <td>  Easily pay an invoice by hand or mail.</td>
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                    <th valign="top">Flexibility    </th>
                    <td>  Apply for a book of 30 or 200 cheques.</td>
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                    <th valign="top"> Interest </th>
                    <td> You keep on earning any applicable interest on funds in your account right up until your cheque is presented.</td>
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                <h2> Bank  Cheques</h2>
                <p>The convenience of a cheque drawn on your account when you need one^!</p>
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                    <th valign="top"> Easy to arrange</th>
                    <td> Simply visit an <?php echo $settings->get("sname"); ?> <a href="index.php">branch</a> or <a href="#arrangeWBACheque" class="smooth">complete an <?php echo $settings->get("sname"); ?> Cheque Request form</a> and we will mail it to you.</td>
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                    <th valign="top">Immediate </th>
                    <td>The payment amount is immediately debited from your <?php echo $settings->get("sname"); ?>
                    account balance.</td>
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                <p>If you want to send money overseas by cheque, we can also help you arrange a <a href="javascript:;">Foreign Currency Draft</a> made out to a beneficiary in their local currency. </p>

                <h2>Cheque Deposits </h2>
                <p>Depositing a cheque to your <?php echo $settings->get("sname"); ?> account?</p>
                <p>For more information on cheque deposits and 'cheque clearance' times, please refer to <a href="javascript:;">Cheque Deposits</a>.</p>
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                <h3><a name="app" id="app"></a>Apply for a Cheque Book on my account</h3>
                <p>Complete and sign an <a href="index.php" target="_blank">Application for Cheque Book form</a>. The required  number of account Signatories are to sign. The Cheque Book will be issued to  you by mail.  </p>
                <p>Once complete please return forms to your nearest <?php echo $settings->get("sname"); ?> branch;  or post to: Reply Paid 1063, Bundaberg QLD 4670; or alternatively, fax through to (07) 4152 3499.</p>
                <p> Please allow 3 working days from receipt by <?php echo $settings->get("sname"); ?> for processing. </p>

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                        <p>This information is a summary of features &amp; benefits  only - full details, including any applicable fees &amp; charges, are available  in the relevant terms and conditions.</p>
                        <p> * Cheque books are not available on all <?php echo $settings->get("sname"); ?> accounts.</p>

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