Centre Encaissement is basically a center for receiving cash payments.
This situation looks familiar. A few months ago, my mother wrote a cheque but wrote the wrong date, so she ended up handing in the cheque one day earlier than the date stated on the cheque.
Since she handed the cheque in less than one hour before closing time, the bank reassured her that since they are no longer processing cheques this late in the day, the cheque would be regarded as though it was sent in the next day.
What deception it was! The cheque was still regarded as banked in one day before it was supposedly sent out (Which is obviously against the law, a fraudulence). As expected, the bank had no sense of compassion and turned around and fined my mother! Yes, and other times, the opposite happens, whereby the payment ends up from being punctual to late, and then have to end up pay late charges. 