What I'd like to see would involve a fundamental overhaul of things.
Banks shouldn't issue you with a card - they should issue you with a fob. This fob would contain an RFID chip and you could top it up to make small transactions, which would be made by putting the fob near a reader and entering your accompanying PIN. In addition, the fob could display a new number every 30 seconds or so, allowing good security for online banking. This would replace cheques for all businesses, even small ones, who could shell out for a machine allowing you to use your fob to pay them (if they're too cheap to do that, they shouldn't be in business). As for paying individuals (and in addition, another way to pay small businesses) - electronic funds transfer, and you could hand them a printout of the confirmation of the transfer. Cash also remains an option.
I'm sure we could replace the cheque with more secure, modern methods, if we actually tried hard enough.