The Traditional Functioning of Checks 1. The Traditional Functioning of Checks A check is a payment method based on a written promise to transfer money. Unlike electronic transfers, it requires physical or digital validation by the bank to be cashed. This involves a verification process that can take time. 2. The Bank's Role in Verification The bank must ensure that the check is authentic, that the signature matches that of the account holder, and that the funds are available. Even if the check is scanned, this verification remains necessary to prevent fraud or bounced checks. 3. Temporary Blocking of Funds With the new Tunisian platform "Tunichèque," when a check is scanned, the funds can be temporarily blocked in the issuer's account. This ensures that the money will not be used elsewhere, but it is not yet transferred until the check is officially presented.