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Personal Bank Checks
Do people still use personal checks in the 21st century? After all, at first glance, it seems so much easier to go to the grocery store and swipe your debit card, or to go in the restaurant and either present your credit card or -- believe it or not -- pay cash. Is there still a place for personal bank checks given modern technology?
Believe it or not, yes, personal bank checks still work better than other payment options in several situations. Here are just a few options you might not have considered:
- Personal bank checks work nicely when you need to send payment in the mail. Obviously you can't send your debit card in the mail to someone. And while many businesses now allow you to make payment online via credit card, there are other places where this simply isn't an option. For instance, what if you owe a friend from who you borrowed money? Or what if the bill you owe is to Joe's Garage, which hasn't yet been able to invest in an online payment option? These are places where personal bank checks are the best payment method.
- Personal bank checks are often best for paying rent. Most landlords aren't equipped to swipe a credit card, and most of them aren't available 24 hours a day for you to make payment. Personal bank checks make it fast and easy to pay them.
- Personal bank checks are still the easiest way to send money gifts. Yes, there are money gift cards you can send now, or even money orders. But these all involve going to the store. You can write a check and stick in the mail, all from the comfort of your home.
- Personal bank checks are good for people who find it difficult to keep records of "cyber" money. When you write personal bank checks, you have something physical that you can keep for reference and for records.
- Personal bank checks are good to have as an emergency back-up. For instance, what happens if a person relies exclusively on his checking account debit card and has never ordered checks? This works fine--until he either loses the card or damages it (an accidental trip through the washing machine and dryer will do this). Then it could take a week or two until he gets a replacement. Personal bank checks will ensure he's not put entirely out of commission while waiting for the new card.