The reason for thisis the complicatedprocedure that follows the depositingof the check....

[narrator] The reason for this
is the complicated
procedure that follows the depositing
of the check. We'll use this check
as an example. If it's deposited in a bank
in Phoenix, but drawn on
a bank in Albany, it has to go back
to Albany to clear. That's a half day to Chicago,
another half day
to New York City, a day to Albany, and then an even slower route,
back to Phoenix. So, I write a check from
Bank A to bank B