[riggsdk]

How common is writing checks in America these days? In Denmark it is more or less completely phased out (with few exceptions). Nobody uses them anymore in practice. In Denmark I've had no issues cancelling my gym memberships directly online but haven't been to that many different ones.

[NoZebra120vClip]

A few situations apply for me. I write checks to churches when I show up in person, even for a $1.00 votive candle. I can toss it into the collection basket or the donations jar for donuts and coffee. However, more churches are improving their online donations, and I write fewer checks as a result.

I also cut checks as part of online bill payments. If the bank can't identify an electronic recipient, then the payment gets mailed out on a paper check. This happens for my landlord, and anything I can't set up for AutoPay from the other side. I can even send money to friends this way: anyone with a postal address, and I don't pay fees or postage for this Bill Pay service.

In fact, I make use of Bill Pay so much that I didn't reorder checks for one account. My father was mystified by that decision.

[krinchan]

Billpay Checks are actually Cashier's Checks and are drawn from account numbers that aren't your account, btw. It's one of the reasons it's far more secure to pay any bill requiring a check this way.

Check fraud is massively on the rise. They don't even need a physical check, just the info. They're printing their own checks now and depositing them electronically. They also hire homeless right off the street to go in and cash the checks for them. Homeless keeps $100, the fraudsters make the rest.

If you're using checks the way you say you are, it's only a matter of time before you have to deal with swapping out bank account numbers.

[NoZebra120vClip]

> Billpay Checks are actually Cashier's Checks and are drawn from account numbers that aren't your account

They are most definitely not cashier's checks. I checked both institutions and both of them issue actual checks on my account. The only difference is their sequence numbers. The money doesn't leave my account until the recipient deposits them. I have, in the past, issued stop payment orders for them.