I get tired of the fees charged for electronic transfers. It should be the other way around. Many places will tack on 3% if you use a credit card. Paypal is what, 1.5%? Wiring money is expensive, Western Union is even worse. Added up over a year, all those "convenience fees" and crap can be a hefty bill.
Checks still have zero transaction costs for me and the depositor. When people claim I didn't pay them, it's nice to show them the cancelled check with their signature on it.
When bargaining with someone, showing them a signed check made out to them can clinch the deal :-) Of course, cash is even more persuasive, but I don't care to carry around cash and again, I like having a cancelled check as a receipt.
I am not criticising you for using checks. As you rightly point out electronic transfers should be the no fee option - the idea that pushing around bits of handwritten paper is cheaper than electrons is crazy.
My bank wants me to use electronic billpay, but they want to charge for it. I say no thanks, you can keep dealing with my free paper checks which cost you more.
I've been using ATMs since 1979, and I picked a bank that did not charge for using it. It's just nuts to charge for an ATM when using their tellers for free costs them far more.
Checks still have zero transaction costs for me and the depositor. When people claim I didn't pay them, it's nice to show them the cancelled check with their signature on it.
When bargaining with someone, showing them a signed check made out to them can clinch the deal :-) Of course, cash is even more persuasive, but I don't care to carry around cash and again, I like having a cancelled check as a receipt.