What is typically frowned upon regarding cheque encashment?

Cashing a cheque directly at the payer's financial institution is typically frowned upon because it undermines the trust and integrity of the cheque payment system. When a cheque is drawn on a payer’s bank, cashing it at that bank can put undue pressure on the financial institution and may lead to scrutiny over the transaction's legitimacy. This can be seen as an attempt to circumvent standard payment practices, where the recipient would normally deposit the cheque into their own bank account for clearance.

Typically, cheques are intended to be deposited rather than cashed directly. This allows for proper processing and verification of funds, reducing the risk of fraudulent activities. Bypassing these processes can raise concerns about the legitimacy of the transaction, hence the disapproval. In the context of cheque encashment, adhering to standard practices fosters a more secure and reliable payment system.