Bank cheques are more safe than personal/business cheques, you got them the wrong way around! Bank cheques cannot be cancelled (they can be reported lost or stolen but not cancelled!) however if you show a bank that you have the bank cheque and it has you name on it and you provide photo ID they have to give you the money! Bank cheques require the money to be handed over on the spot so they cannot be dodgey (unless you physically can see someone is trying to copy it, check for watermarks!). Hopefully someone can maybe explain it better than me

I prefer bank cheque over other cheques and even cash! Then i don't feel like im going to get mugged!