Do you still have checks?

[Anonymous]

I have checks for both my checking accounts - NFCU and Schwab. They sit in the safe and I write a few each year for my handyman, tradespeople, sometimes to move money between my accounts when Zelle limits get in the way.

[Anonymous]

The rest of the developed world stopped using checks decades ago and the US is having a resurgence in check using, despite a rise in mail thefts for check washing. We are truly the shtlhole nation.

[Anonymous]

Anonymous wrote:I do but do not carry them around. Mine are so old they still say Chevy Chase Bank on them. CapOne took them over a decade or more ago.

Mine do too!

[Anonymous]

Of course. I don't CARRY them, but have them and use them

[Anonymous]

I write 5-8 checks a month. For the cleaning person, for contractors/service people who charge fees on credit cards or don't accept credit cards, for a few random doctor bills that I don't want to deal with paying online. I am having some home improvement work done right now and the contractor sends weekly bills and only accepts checks so that's 4 checks in a month right there.

[Anonymous]

I don't, but I was thinking about this earlier this week. I might order some.

I have not written a check in over 3 years.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes, but I don’t use them anymore. A check I wrote out to pay for plumbing services was counterfeited about 8 months later, and scammers tried to withdrew thousands of dollars from my account. I was lucky the bank reimbursed me, but there were several attempts involving the altered check. I no longer pay with checks.

You need to use this pen:

https://www.amazon.com/Retractable-Medium-Uni-Ball-Nursing-Business/dp/B000FDR47E/

Other inks are easily "washed" enabling the check to be re-used.

Combine that with a check w/ built-in security features effectively eliminates this type of fraud; see:

https://www.ordermychecks.com/caccp/productview.jsp?productId=prod2790149&src=prodlist

even if your check falls into the hands of the "bad guys" they won't even bother and quickly move on to an easier target -- ie, "you don't need to out run the bear, you just need to be faster than the person you're with"

Given mobile deposit, photoshop, etc. the type of ink is irrelevant

Did you read the thread?

If you write/use checks and you are concerned about fraud, using a gel ink pen and checks w/ built in security features is still very much relevant.

[Anonymous]

Anonymous wrote:How are you people buying cars without checks? We just bought a car and the dealership would only put $2000 on our credit card. They wanted a check for the rest.

Cashiers' check from my bank.

[Anonymous]

We have been using checks more as businesses start adding charges to use credit cards. We use checks with our cleaning company and handy-man to avoid an extra 4% charge. I don't carry my check book around but we do still use them.

[Anonymous]

Anonymous wrote:Of course. I don't CARRY them, but have them and use them

This. I write a check to anyone who charges a fee to use a credit card or doesn’t accept them at all. I use them for the cleaners and my hair stylist on a regular basis, as well as most home repair people and the landscapers.

[Anonymous]

We write a 4-5 checks a year so yes, we do still use them. We have quite a few books still. Hoping this is my lifetime supply and will never have to reorder.

[Anonymous]

Anonymous wrote:
Do not send a check through the mail. I'm not 100% sure, but think this is how my account information was stolen. They do not need to "wash a check". As long as they have your account number, they will obtain false ID and walk into your bank to take out money. Ask me how I know. There is a big market for false IDs and the criminals know exactly how/what to counterfeit. They will use a branch of your bank that is not near your home so it is less likely that you go there.

Make sure that your bank or credit union has a recent picture of you on file (through your drivers license).

I never use checks anymore. If a contractor does not allow plastic, I ask for the amount and go get a cashier's check from my bank. They will understand. At a restaurant I use cash if the policy is no plastic. If online (taxes, etc.) I am fine with using electronic transfer.

In an event like this, your bank is 100% at fault/liable and is required to refund the money and make you whole.

[Anonymous]

Yes, they can wash your checks, but they can also steal your credit card number. To me, they're both as safe as the other.

[Anonymous]

I have one person that will only accept checks or cash so I have checks for them. I am using a box that I have had for at least 10 years

[Anonymous]

Anonymous wrote:I have one person that will only accept checks or cash so I have checks for them. I am using a box that I have had for at least 10 years

PS the account connected to this never has very much money in it so if someone washes it or whatever they won't get much