I haven’t used checks routinely for the last 20 years in the states. I’m always really annoyed when some random niche activity requires it and can’t accept an online transfer. Then I have to go to the bank and get a temporary one.

Checks still have lower transaction fees for large amounts than most electronic forms do payment (cost: a postage stamp).

I was looking for electronic ways to send a substantial wad of money domestically once and almost all electronic transfer providers wanted a percentage.

Would be interested to know if there are any online services that can match the transaction fee of a check.

Cryptocurrencies.

You might want to bite the bullet and buy the 200 for $10.

At least they don't expire.

It is annoying. I can get certified checks for free at the bank.

Checks have lived on beyond their useful life, unfortunately. I think the only reason they still exist is the arthritic ACH system and the desire by some receipients to avoid credit card processing fees.

Still, while checks may still be a thing they're pretty rare and rarely required. Mobile and contactless payment is pretty common (outside the food service industry, but I blame the food service industry for that).

Transaction & processing fees are no joke. Big or small, 3% of your revenue before profit, is a big deal.

It made sense as a convenience fee, until it became ubiquitous. Now it’s a tax that people are blindly opting in to.

I think it depends on who is the customer and where things take place. My mother in law still uses checks, prefers in person banking, and doesn't use technology. She loves getting cash back when she shops. Same with a brother in law of mine, cash is king, technology is a mobile phone to sms his family and friends. He is a successful business owner, btw.

I haven't written a check since the late 90's, when I receive a check, I deposit it directly from my phone. I never carry cash. When I shop its nearly all online. Unless its a restaurant, I've ordered and paid before stepping foot or driving through the place.

The point being, business's accommodate their customers and there is a shocking amount of people who don't care about technology in the US, especially outside of business and tech centers.

Cheques exist in Ireland to this day, e.g. see https://personalbanking.bankofireland.com/campaigns/bank-of-....

Or, from https://www.permanenttsb.ie/legal-information/terms-and-cond...:

Taxes and Additional Costs 1. Government Stamp Duty will be charged to your account for each cheque book issued to you (currently €20 per cheque book of 40 cheques). ... etc.

I stand corrected but the observation is still valid.