At some point, people have to be dragged kicking and screaming into 2024. I can’t remember the last time I wrote a personal check. I still keep a check book in the rare case of the backwards retailer who is not set up for electronic payments, but its been quite a while since I actually wrote a check.
Tap and pay. Certainly a lot easier than taking time (and holding everybody else up) by writing a check.
It’s a dumb ban (the one on personal checks).
it’s just easier than letting people know the scary scary knoweldge that today when you write a personal check it’s account info is instantly scanned like a debit card and instantly debits your account.
I can’t even remember the last time I used a check. With mobile deposit, debit / credit cards, and Apple Pay or Google pay checks seem kind of like trying to boot a computer from a floppy disk (and yes, I’m old enough to remember those days).
Now if we could just get my mother into the 21st century. She refuses to get even a debit card. It’s almost painful listening to her call her bank to find out whether her SS check has been deposited. My sister and I have both shown her we can check that kind of thing with a phone app.
I’ll be honest every check I have ever wrote in my 35 years of life was to pay speeding tickets. Because that’s all they would take for payment. ■■■■■■■■ wouldn’t even take cash.
This is not true - and particularly dangerous, as it is a big part of one of the bigger scams these days.
When you deposit a check, the bank has to make at least part of the deposit available immediately - but unless the check is drawn on the same bank that you’re depositing it in, it can take weeks or even months for the money to actually move between banks. There’s no “instant debiting” of the account the check is drawn on.
There’s a very popular scam these days called a “fake check” scam - there are a lot of variations, but they all involve being given a check, and then asked to make payments via Zelle or Venmo. The victim deposits the check, sees the money in their account, then makes a payment via an unreversable payment system - then a few weeks later, the check bounces, and all of that money is pulled from the account.
This is used as part of fake job scams - the victim is “hired” for a remote work job, and given a check to purchase “equiptment” for the job from a specific website (which is controlled by the scammers), and in countless other ways.
Tithes and taxes. Those are the only things I use checks for. There are a few places that charge a credit card surcharge. They’re worthy of the hassle of getting a check.
I remember when I got my first passport years ago, I walked into the courthouse with all my documentation and cash to pay for it. Turns out the court only accepted money orders or certified checks - so I had to make another trip for that.
Renewing the passport is much easier - you can do that by mail.
The whammo is only what you see. The actual transfer of money doesn’t take place and if the check bounces a few weeks later you are on the hook to your bank. They can even close your account out.
You are confusing consumer ease with how money transfers actually happen between banks