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I've got like 4 years left. Stop wasting them.
(lemmy.world)
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this post was submitted on 09 Feb 2024
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Shit, I still see them pull out checkbooks.
It honestly surprises me that many merchants still accept checks, given that they won't verify immediately.
I think if you look old and world weary enough they probably figured that you don't know how to bounce them.
They do verify immediately in many places. The cash register scans the check, extracts the bank routing and account numbers, and does an EFT transaction on the spot.
No shit? TIL.
Yeah. Then they hand the paper check back to you. (I haven't written a check, or seen anyone write a check, at a store in many years, but that's how it was working the last time I did see it.)
a check may gain some time for those who may need it. Transaction is not instantaneous. It may take a week or longer.
use cash. don't leave traces.
If you need time that's what a credit card is for. If you don't have financial responsibility then that is a problem though.
credit card is instantaneous and you pay extra for using credit. Checks add friction to procedure
p.s. i use neither
Don't you guys have direct debit cards yet?
Depends on where you are for "paying extra". Grocery stores in the US around me don't charge differently for credit/debit/check/cash. Restaurants are starting to charge credit card fees to people but have a cash/debit "discount" which I'm actively ensuring I use. Probably going to hit up the card companies and explain that the change in cost means their cards are worth less now and I'll just never use them.