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The new process introduces continuous clearing, where: An image of the cheque submitted to the “Bank Plus” account is shared with the “Bank Minus” (drawee bank) through a clearing house. If there’s a sufficient balance, the cheque is honored, and the amount is transferred. If there’s an insufficient balance, the cheque is dishonored and rejected. This new process will be implemented in two phases: Phase 1 (October 4, 2025): The drawee bank (“Bank Minus”) must confirm by 7 PM. Phase 2 (January 3,
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