In the UK, we had and still have one central clearing house. all cheques from all over the country used to be physically delivered there for processing. Recently (as in the last 5 years) we switched over to digital presentation, finally allowing computer scans of cheques instead of the physical paper cheque and bringing processing times down from 5 working days to overnight or instant in some cases.
This was less burdensome than it sounds since the UK stopped relying on cheques for most transactions many years ago, cards took off here far faster and because we used chip and pin since it was invented cards were seen as far more trustworthy than cheques.
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