The rate of decline in the use of cheques picked a little last year, as consumers continued the switch to cards and electronic payments.According to the latest Reserve Bank cheque payment data, bank customers wrote an average of 10.7 million cheques a month in 2015 - down 16.4 per cent on the previous year.The rate of decline from 2013 to 2014 was 15 per cent and for the five year before that the rate of decline was around 13 per cent.Over the ten years since 2005, when Australians wrote 39.1 million cheques a month, cheque usage has dropped by more than 70 per cent.