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A few years ago I was privileged to be given a tour of the cheque clearing house at Gatwick, circa mid-90's. I'm sure things have improved since then, but back then, all cheques ran through a scanner [they had 5 of these scanners] and the amount in words was OCR'd [Optical Character Recognition]...

If you were using an ATM you must have inserted a card to operate. The cheque then presented should/must only be credited to the account on the card used. If this did not happen, what's to stop the credit going to anyone else's account? If you definitely used your business card to operate the...