I hate giving money unless it's actually for something particular, similarily I don't particularly like getting it unless it's for a specific purpose. Part of giving a gift is spending time and love choosing it but there are times when it's either impractical to send or whatever and vouchers (or very occaisionally money) is a good way forward. I think I'd have to ask myself if I really really couldn't think what to buy somebody as I didn't know what they liked then why was I buying them a present anyway as I obviously couldn't be close. Having said that, I am giving two of my nieces either money or vouchers this Christmas, the first one has a voucher for one of her favourite shops (what I spend wouldn't buy her much and to be honest, from going in there today it was practically pitch dark so I couldn't really tell what I'd have been buying!) and her sister and her boyfriend are desperately saving for their wedding so have a small token gift and a monetary donation which will suit them well, couldn't give them something wrapped though, wouldn't be right if they didn't have a parcel under the tree 
Oh, and no idea about the cheques, you'll have to ask the bank and even then it might vary from teller to teller.

Oh, and no idea about the cheques, you'll have to ask the bank and even then it might vary from teller to teller.
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