Do you still use Checks to pay your Bills?

@KrauseHome (36682)
United States
March 7, 2008 9:43pm CST
Now with the Internet being so Big, and everyone having a chance to have their Bills being paid without ever going to a bank even (if their check goes Direct Deposit), I was wondering how many here still use Checks to pay your Bills? I actually have most of my Bills now going directly out of my account, and a lot of them are personally set up via online now. For me, it makes it a lot easier to Budget this way as well. For my husband, he goes and gets either Cashier Checks (which are FREE from our Bank), or uses Cash for all of his bills. Personally we use our Debit Card for the Checking account other than this, and do not use checks. It actually saves us quite a bit of $$ and there is less temptation in reality even to spend more than what you have as you know it is not there. So, what about you?
6 people like this
28 responses
@redredrose (1106)
• United States
23 Nov 12
I haven't used checks to pay bills in yrs tho i still have check books at home i haven't used them in ages. Hubby pays some bills online and others i call the number on the bill and pay by phone. It is so much easier and faster and does save money this way. Also i don't have to order checks from the bank every few months.
@Asylum (48027)
• Manchester, England
23 Nov 12
My bills are usually split into 2 categories, which are some paid by direct debit and the others I tend to pay via bank transfer from my account online. I was using a cheque for one payment until very recently, which was my ground rent because it was the option of payment that they offered. However, the ground rent has passed to another company this year so I can now pay online and scrap my chequebook altogether. I think the last 5 entries in my cheque book are all for the ground rent, so it has been a long while since I used it regularly.
@Muelitz (1592)
• Canada
1 Jul 08
You are right, I also believe that checks are a thing of the past. But there are stil uses for it. Sometimes land lord requires you to give post dated checks for your rent. But most payments can be done online which is easier and more convenient.:)
@vanities (11409)
• Davao, Philippines
28 Jun 08
well its true we can spend much tha twe really needs if we use checks,,yeah before i did used check but i stopped when debit cards are on ...much better since you really cant spend much on debit cards..since it will depend on how much the account can accommodate..checks are costly since you have to buy it plus the charges if its overdraft or same to that effect..
• United States
28 Jun 08
Most of my bills are deducted from my debit card which is a prepaid debit card not linked to my checking account. I don't use checks either. Wamu keeps bugging me to send off the autograph check, but since I don't use checks, I can never think what to use it for. Never mind! I know. I will use the yellow WAMU check (that captures first signature) for charity or my religious community. That will be a good place to use my one and only check!
@missybal (4490)
• United States
24 Jun 08
I use checks and pay my bills as they come. All of the companies try to get you to sign up for them to directly take the money from your account to pay your bill but I don't trust it because say there was something wrong with it and they took more than you thought and it could cause you to be overdrafted. It's okay if it's where you pay online you pick the amount but it's really a problem if you type in the wrong amount by accident. I do pay my car payment online but that is just my bank account and the loan is through the same back so I just transfer the money from one account to my loan account. I do not trust debt cards at all, because a friend of mine had a problem where she actually still had her card and someone somehow had the account numbers and was using it for gas a food in the same area she was in and the money was coming out of her checking account. She didn't notice because they were small amounts at a time and the places she and her husband would go. Then she noticed that the gas station came up as if she filled her gas tank twice in the same day and she knew there was something wrong and realized someone else was using the debt card account numbers. Due to the fact they were in her area and she couldn't prove that she didn't do it she lost all that money. My bank is also only a block away so It's easy to do anything I need to.
@zeloguy (4913)
• United States
18 Jun 08
For most of my bills I still use checks with the carbon copy even though I can get the same thing online and the copy of the checks online. I don't trust 'auto-billpay' as it is still my responsibility to pay the bill whether the system works correctly or not. Thanks, great question Zelo
@Modestah (11188)
• United States
18 Mar 08
I still use checks for paying a couple of our bills - the house mortgage, the trash collection and the electric company. I also use checks when shopping in person. I have yet to own a debit card and really shy away from the idea.
@Ldyjarhead (10241)
• United States
8 Mar 08
I pay everything online that I can, but there are a few that don't have that option so I still have to write a check or two. There are a couple of local ones that I can't pay online, so I write the checks at the first of the month and put them in my purse to pay when we're running errands. If it doesn't get done in the first week or two, I stick a stamp on the envelope and mail it. Works for me.
• United States
8 Mar 08
I have to pay my rent and water bills with paper checks or money orders, but everything else, I either call in or go online and pay with my debit card. Then it comes out of my checking account immediately and I know it's paid! I also know my husband isn't going to overspend and cause thebills tobounce since they're taken out immediately.
@cortjo73 (6500)
• United States
8 Mar 08
I pay all of my bills online. I usually only write a check if I am sending someone money as a gift (which I rarely do as I tend to try to find a nice gift to give) or if I am paying someone back for something. I don't tend to carry cash. I use my debit card which is also a Visa card that pulls from my checking account. So, I rarely ever use a check. Maybe 3 a year if even that.
@ebberts (786)
• United States
8 Mar 08
I pay both online and with a check. Some bills such as the water bill have to be paid localy.
@lecanis (16661)
• Murfreesboro, Tennessee
8 Mar 08
I rarely ever write checks. My paycheck from the bank is direct deposited into my account, and I pay bills either through the bank's online bill pay service or through the online bill pay services of the companies I'm paying, depending on which is more convenient in the situation. My husband loves to write checks though. He says he won't remember if he pays things in other way, and he likes having the copy of the check to reference later. It's just a matter of personal preference I guess.
@suspenseful (40312)
• Canada
8 Mar 08
My husband pays the bills and he still writes checks, and I have a credit card that I either write checks or use my debit cards. I do not like using checks, and I am trying to get rid of them. If I could use debit cards to pay off the bills or pay them on line, I would but I have to wait until my husband kicks the bucket. :) ha ha. I do plan to link my store Mastercard with my bank because sometimes I might be in another city when the bill is due and they might not have a store close by so I will have to transfer that money from my savings into my store Mastercard. It would be easier that way and cheaper.
• Malaysia
8 Mar 08
actually i still do. i use checks to pay my credit card bill because i dont have any savings/current account with the bank that i have credit card with.
@byfaithonly (10715)
• United States
8 Mar 08
There are a couple things I pay using a check but for the most part I use my debit card or cash, oh also have a couple I pay online.
@deebomb (15315)
• United States
8 Mar 08
I have 2 bills that I pay with a check and that is because they are not in my name. All others I pay on line. It is better for me on line because it registers on my bank account earlier than it would by check.
@gemini_rose (16268)
8 Mar 08
I actually stopped using cheques some years ago, this was because some companies I sent them too, must not have cashed them straight away and so sometimes the money would not be going out until about 2 or 3 weeks later by which time I had forgotten about them and would use the money and then when the cheques finally did go out I would be in debt! Nearly all my bills are set up on direct debits or I pay by debit card.
@sunshine4 (8706)
• United States
8 Mar 08
I never pay bills using a check, and I especially don't mail any bills! I love internet banking. It saves me so much money. On postage alone it is a huge savings. I have my bank account right online and pay all my bills threw my bank account. It is so easy. I get on once a month and I'm done:)
@lingli_78 (12834)
• Australia
8 Mar 08
i don't actually... i use direct debit, online banking or my credit card to pay all my bills... it is so convenient and much faster rather than using cheque... i only use cheque if it is emergency... otherwise, i make use of the technology to help me do my stuffs faster and save my time... :-)