I still have a checkbook for the occasional handy man that doesn’t want cash or transfer. I’m pretty sure most apps take a cut from business accounts, and others will report to the IRS when you make a certain amount, so for some workers it makes sense to avoid the apps.
Zelle is somehow the one that is usually free and does not report, but my credit union has a daily limit for Zelle transfers, so if the bill is larger, I offer payment in check as an alternative to cash since it’s safer.
What does it even mean “one less account to track?” The money is still coming from a bank account, if you track the money in your account you would still have to account for a check, and it would be even worse if the check isn’t cashed right away.
Is it that you don’t have the monthly credit card bill if you send a check? But you’re spending the same amount of money regardless, checks are more like one-off credit card transactions, that don’t confirm payment like a credit card does. Checks are worse for the payment-neurotic. That’s maybe an argument for debit cards, it’s not an argument for checks.
The postal service has recently been a victim of a lot of theft targeting checks. People are willing to rob postal workers at gunpoint for their box key. Then, thieves sift through all the letters for a chance of finding a check.
Worse, they have ways of “washing” the check to turn it into a blank check, and reuse it with a new amount and recipient.
I’m old school, if I want to buy something, I go to the store with the ability to essentially examine the item, pay for it in cash and go home. Crating an account and paying with the card, with which also the bank knows what I had bought? WTF, capitalism surveillance shit.
Americans once again making shit more complicated than it needs to be. Most of the world has moved on from cheques to wire transfers, deposits, etc. all done through online banking.
Every transaction is tracked and accounted for. No need for this bullshit.
I’m American, and all of this stuff happens automatically and digitally after I set up any new account. I’m not sure how writing a check would be easier.
Some banks still offer the transitional system I remember where they do it on your behalf, so once you have all your payees, you can go in every month and put in the amounts for each bill, and they mail a check from the bank to each place.
I am french, I use cheques , I also use wire transfers and many other bank option but I hope more place would accept my cheque. Also cheque transaction are tracjed and accounted just like others.
I think the last time I cashed a cheque my elderly mum wrote it. Had no idea before that people even still had cheque books after 2002 or something, but fortunately I didn’t have to find if there was a branch of my bank left within fifty miles because you can scan them in the app and pretend the other person sent you money in a normal way.
I’m the same way. But since I’ve been having to handle my elderly relative’s estate I’ve had to write a ton of checks. The clerk of court requires the use of checks to pay bills for the estate. The estate account was issued a debit card but the bank said I couldn’t use it because of the same requirement.
In France it’s quite regular and quite useful IMO (I’m from sweden where you can’t pay a bus ticked with cash, nor a credit card… and checks were like abolished in the nineties) paying school stuff, sport inscriptions etc.
Additional bonus, you can split a payment and ask for it to be cashed in over time, without needing some nank taking a cut.
I think checks are a thing of only American past. Can’t think of anywhere else where they used checks so frequently. While they existed, they were the exception
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I still have a checkbook for the occasional handy man that doesn’t want cash or transfer. I’m pretty sure most apps take a cut from business accounts, and others will report to the IRS when you make a certain amount, so for some workers it makes sense to avoid the apps.
Zelle is somehow the one that is usually free and does not report, but my credit union has a daily limit for Zelle transfers, so if the bill is larger, I offer payment in check as an alternative to cash since it’s safer.
What does it even mean “one less account to track?” The money is still coming from a bank account, if you track the money in your account you would still have to account for a check, and it would be even worse if the check isn’t cashed right away.
Is it that you don’t have the monthly credit card bill if you send a check? But you’re spending the same amount of money regardless, checks are more like one-off credit card transactions, that don’t confirm payment like a credit card does. Checks are worse for the payment-neurotic. That’s maybe an argument for debit cards, it’s not an argument for checks.
a check? ok bye, ive never understood what the fuck that shit should do… like what about cash or just a simple transfer? why do people use checks?
I’ve never used a check in my life. I can’t imagine who would accept one in my country.
Hm, seems legit
🔒Verified secure ✅
I had doubts until I saw that. Very reassuring!
Okay, boomer
The postal service has recently been a victim of a lot of theft targeting checks. People are willing to rob postal workers at gunpoint for their box key. Then, thieves sift through all the letters for a chance of finding a check.
Worse, they have ways of “washing” the check to turn it into a blank check, and reuse it with a new amount and recipient.
I’m old school, if I want to buy something, I go to the store with the ability to essentially examine the item, pay for it in cash and go home. Crating an account and paying with the card, with which also the bank knows what I had bought? WTF, capitalism surveillance shit.
Or just use a password manager
A check has your checking account number on it. Please don’t write checks. Use cash.
Checks? Cash? What year is this?
Welcome to dystopia 2024 hellhole edition. We’ve got mail theft, check fraud, genocide and fascism. 🤠
Cash has a globally unique identifiable number on it for tracing. Please use the barter system.
yeah hold on let me just barter with my convience store for some food
Your digestive system can remove the number
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Cash has an identifier on it, but unlike a check that identifier doesn’t identify you.
Americans once again making shit more complicated than it needs to be. Most of the world has moved on from cheques to wire transfers, deposits, etc. all done through online banking.
Every transaction is tracked and accounted for. No need for this bullshit.
I’m American, and all of this stuff happens automatically and digitally after I set up any new account. I’m not sure how writing a check would be easier.
Some banks still offer the transitional system I remember where they do it on your behalf, so once you have all your payees, you can go in every month and put in the amounts for each bill, and they mail a check from the bank to each place.
I am french, I use cheques , I also use wire transfers and many other bank option but I hope more place would accept my cheque. Also cheque transaction are tracjed and accounted just like others.
Why is everyone calling them checks? Are we all talking about cheques? I am confused.
deleted by creator
It’s just the American spelling.
Because online bank accounts never get hacked, and old demented folks never fall for phishing emails… right?
Thats what the 2fa for most transfers is for.
I think the last time I cashed a cheque my elderly mum wrote it. Had no idea before that people even still had cheque books after 2002 or something, but fortunately I didn’t have to find if there was a branch of my bank left within fifty miles because you can scan them in the app and pretend the other person sent you money in a normal way.
I’m the same way. But since I’ve been having to handle my elderly relative’s estate I’ve had to write a ton of checks. The clerk of court requires the use of checks to pay bills for the estate. The estate account was issued a debit card but the bank said I couldn’t use it because of the same requirement.
In France it’s quite regular and quite useful IMO (I’m from sweden where you can’t pay a bus ticked with cash, nor a credit card… and checks were like abolished in the nineties) paying school stuff, sport inscriptions etc.
Additional bonus, you can split a payment and ask for it to be cashed in over time, without needing some nank taking a cut.
I think checks are a thing of only American past. Can’t think of anywhere else where they used checks so frequently. While they existed, they were the exception
where i live its hard to find places who even accept them. im not sure how i can get my bank to give me a check book if i really wanted to use them.
Okay Boomer.
fellas is it old-fashioned to not want more unnecessary tracking ?
A check has the same information as a basic account. Any sane company is probably storing it in the same backend too.