Sefton Central Labour MP Bill Esterson has urged a rethink on the planned 2018 abolition of cheques in the UK.
The MP said far too many people depend on cheques for them to be abolished.
Bill Esterson said he wanted to ensure that there needed to be a secure alternative to cash before the cheque was phased out.
Bill said: "Too many people - particularly older people - rely on cheques for them to be consigned to the dustbin.
"Although cheque usage has fallen, there are still lots of people who use them on a day to day basis. Many of these people are older, but many people don't have access to the Internet or possess a debit or credit card.
"It is therefore crucial that we keep cheques for these people, at least until an alternative is available."
Former small business owner Bill said cheques were still far too big a part of the day to day economy to see them phased out.
He said: "Across this country, one-third of people still use cheques regularly, while three-quarters continue to periodically use the cheque facility on their bank accounts.
"That's a lot of people and a lot of cash. We need to consider the implications on business, particularly small businesses if the cheque is axed.
"And I have some very real concerns not just for the elderly, but also for the disabled and housebound, many of whom rely on writing cheques.
"We need to make sure there are real alternatives before we take away something which is still vital for many people in society as well as many small businesses."