That's why I make my BACS transfers via phone banking. It can often be done on a free number or at a free time for calls. Certainly takes me less time than doing a cheque. And I can do it while sitting in a bus or walking in the street.
I don't personally like phone banking but I agree it can be quite quick and easy. One of the issues for me would be the lack of a physical (for me) record of the transaction.
Wait for bus in the rain Get on bus Pay Fare End up standing on bus Get jostled about a bit Conduct transaction by phone Get off bus in rain Walk home
Personally I don't see the benefit.
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