What advice would you offer to customers who are inconvenienced by the time taken to access cheque funds?
If speed is important you should consider being paid in some other way. If you're a customer who receives a lot of cheques you should ensure you have an account which best suits your needs.
Some accounts allow early access to funds from cheques, possibly as early as the day you pay your cheque in. However, you should be aware that if a cheque were to be returned unpaid after funds have been withdrawn and before the end of the 6th working day after paying in, then the bank would seek reimbursement from you.