I've been with the CBA for OVER 15 years (I had a dollarmite account as a kid haha). They STILL make me pay $10 per cheque and I have to wait 20 working days to get each one.
I banked cheques in JAN and they weren't cleared til mid MARCH!! I went to the branch and the teller said "Just tell me your account and I will clear it all for you within 5 mins". I checked my account when I got home and it had cleared!!! You DON'T NEED OVERNIGHT!! THEY CAN DO IT IN 5 MINS!!!!
Bunch of wankers just want the interest!!
I checked out my local banks. The best was Bank of Qld for $7 each check and after about 4 transactions (including cash deposits) done at the one branch...they clear cheques immediately!! It's $2 more than Suncorp but... $2 is worth it for 3-4 weeks LESS time spent waiting for the money!!
LESSON: Having history with banks doesn't always get you what you want! ... sometimes it does haha