I understand that you have done things a certain way for a very long time. You are used to writing out checks as a form of payment. Stores have even made it so easy to use them now that you don't even have to write them out. The cash register will print the needed information on the check for you. All you have to do is sign.
A few years ago, I completely understood the point of writing checks. Sometimes you could write a check and have a day or two before it cleared your bank account; so, if you were a little short on money in your account, you might be OK. In these modern times though, your check goes through just about as fast as a debit card taking away the only real reason for writing checks.
Some of you will say you don't spend money as quickly when you write checks. Well, that tells me you need more discipline in your life. If you can't control your spending in any other way, you should seek out help. I don't buy this (no pun intended) as a relevant excuse for writing checks. The people that wait behind you in line probably need to slow down their lives a little, but regardless, it's really frustrating to stand behind you and watch you wait until everything is scanned before even starting to write out your check.
As far as I understand it, the money that covers your check would be the same money that would be deducted if you used your debit card. Why not just save yourself and everyone else a few minutes and swipe the card. Just as much of your information is transmitted electronically when they verify your check as when you use your debit card; so, that whole information security thing doesn't work as an excuse either.
I guess to sum things up: STOP IT.
Sincerely,
American Debit Card Users
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