Do you still have a check/cheque book?

@mipen2006 (5528)
Australia
July 10, 2009 11:22pm CST
I haven't used a cheque book for over twelve years now, but used to use one frequently years ago. I was just wondering if anyone still uses one, and how often, and where they use it?
3 people like this
15 responses
@thyst07 (2091)
• United States
11 Jul 09
I still have a checkbook, but I haven't used it in ages. My husband uses his checkbook to pay the rent and the utility bill, and that's the only time a checkbook ever sees the light of day in this household. I can't stand it when people in front of me at the grocery store write checks. I mean, it's ok if they have most of it prewritten and they just have to fill out the amount once the order is rung up. What drives me nuts is when they wait until the cashier has given them their total, and THEN they take several minutes digging the checkbook out of their purse, asking the cashier for a pen, and filling out the whole check while they're standing there. Why can't they just get a debit card? It still comes from your checking account, but it's so much faster and easier.
2 people like this
@mipen2006 (5528)
• Australia
11 Jul 09
Hey thyst, tou're another who pays the rent with checks. What is it about landlords that they can't be up-to-date? You've certainly hit a nerve with me when you describe waiting at the check-out. Usually you have to waite in a queue for a long time before getting processed, then to have to wait while someone writes a check is, well I think bad for business. I hate it when people don't have their debit or credit cards ready.
• United States
11 Jul 09
Hey there, mipen2006... This is an interesting discussion you have started and brought up for consideration and comments. Even though I don't usually use my checkbook frequently, I DO have one and still DO use it on a semi regularly basis. I make about three payments a month with mine. Rent - as my landlord is a private one and doesn't do the automated payments thing. Also pay the electric bill, when needed to - as I am blessed with not having to do so all 12 months out of the year, since I qualify for and receive HEAP in my state. And I pay my monthly land line phone bill from AT&T via check, just mainly because I have never checked into signing up to paying it online. Have been thinking I should though, as it would save paper, plus my stamp. :) BTW, I also do SO totally agree with the other person who responded previously to your question and made a comment about people who write checks at a store and need to not only fill out everything on their check... but also ask like, "Where's the pen?" *lol*... That is SO rude. :) Thanks for giving me the opportunity to give you & others my own 2 cents! firefox333
1 person likes this
@mipen2006 (5528)
• Australia
11 Jul 09
Hey firefox, rent seems to be the major use for checks nowadays. I think most people have direct debits, pay on line, or on the phone for their utilities. I'm speaking about Australia here as I'm not sure about other countries. I totally agree too, and it's one of the things that really annoys me, as you can see by my response to her. Thanks for taking teh time to post your response.
• United States
11 Jul 09
Hey, thanks for your extra/other comment mipen... And so I did like not even know where you were posting from... but thanks for letting me know it was Australia sp? prob'ly, but sorry for now! Have chatted with a few others elsewhere from Oz previously. Always enjoyed the experience and enjoyed the chat, and learning about the perspective from ... forgive me please... *wink*... but "down under"... Okay, so hope I'm not too rude. *sincere smile*... Anyhow, I will go check out your other comment to the person about writing checks in a store & not being prepared in advance or, bringing... one's own pen. *smiles & waves ya wishes ya a good whatever it is in your time-zone of the world*... Thinkin' like maybe 10 or 11 am? firefox333 , take care...
1 person likes this
@mipen2006 (5528)
• Australia
12 Jul 09
Hey firefox "down under" is cool with me. Actually, I have just returned to Australia after teaching in Thailand for the past eleven years.
@doryvien (2293)
• United States
12 Jul 09
I still maintain a checkbook despite the wider-range of usage provided by credit cards. In my country checkbook is still very much in demand particularly for big transactions like purchase or rent of property or down payment for car. I used to be highly dependent on checks as I use it for paying all sorts of bills, but with the advent of online banking, that has decreased considerably. Now I seldom use it but I still keep it. My checking account has been with me for more than 13yrs already and I try to keep it active.
1 person likes this
@mipen2006 (5528)
• Australia
12 Jul 09
Hi doryvien, thanks for your detailed response. I haven't used a chec book for over ten years, and to be honest haven't missed it. By the way, is your check book linked to your savings account, or do you have to have two seperate accounts? Just curious.
@doryvien (2293)
• United States
12 Jul 09
My 13 yrs old checking account is a stand alone. I keep it mainly for the purpose of "up-ping" my bank reputation, the banks respect long-time depositors particularly in big transactions. But I have another account which is a combination of savings and current, so it has both the benefits of a checking and savings account, and it earns interest. This one is provided by my employer, it doesn't require any maintaining balance. So it's actually better than the old one by all counts. I have this account for 2 years now.
1 person likes this
@mipen2006 (5528)
• Australia
12 Jul 09
Hi doryvien, I wasn't prying into your banking, just curious. Thanks for the information..
@greenline (14848)
• Canada
11 Jul 09
Yes, I am like you too. Haven't used the cheques for a long time now, with online payments and debit card payments becoming more convenient. I do have a cheque book still, just in case I would need it on certain occassions.
1 person likes this
@mipen2006 (5528)
• Australia
11 Jul 09
Hello greenline, and thank you for your comments. I guess many young people nowadays wouldn't know what a cheque book looked like. I remember I was always running out of money on the weekends, and had to cash a cheque at the local store, or servece station. Now it's as simple as going to he nearest 'hole-in-thr-wall.'
@mipen2006 (5528)
• Australia
11 Jul 09
ATM, check book, cheque book,
• Philippines
12 Jul 09
I never have a check/cheque book in my life. In my country, its not easy to open a checking account. If you want to open a checking account, you need to have at least an amount of PHP25,000 and a existing business. Most people here open a savings account, its open to everyone students and working professionals and the amount you need is only PHP500 to open a new account. My father has a checking account and he uses the check to pay the hospital bills or anything that exceeds the amount of PHP10,000 since he never uses a credit card for his personal use.
1 person likes this
@mipen2006 (5528)
• Australia
12 Jul 09
Hello sophie, and thanks for responding to the discuccion. I don't havr a check account, and don't have any need for one, but I do have a debit card which is very useful.
• India
11 Jul 09
well, i have been using cheques once in a while. the last i remember it was when i was taking a loan for my car , i guess. they needed me to give them a few crosses cheques which they would probably use in case of a defaulter situation. otherwise, i have not had much use of them. most of my recent transactions have pretty much been online.
1 person likes this
@mipen2006 (5528)
• Australia
12 Jul 09
Hey mkrishna, don't you think it is a bit risky handing out blank cheques? Did you put an amount, and payee on the cheques, or leave those areas blank. Thank you for your response.
• India
11 Jul 09
Well i too have 2 cheque books of my 2 bank account.. i remember last time i used cheque for one payment.. i send that cheque to another city.. 4 month ago.. but after that i never signed the cheque.. When ever i need the money i just use the credit card or ATM debit card to draw that money.. but whnever i have to send money outside.. then i have to use the cheque.. for sometimes... Happy myloting...
1 person likes this
@mipen2006 (5528)
• Australia
12 Jul 09
Hello cool_bollywood. thank you for your reply. So you use a combination of cheques and credit cards. Is that a common practice in India. I assume you from India by your user name.
@ky1119 (699)
• United States
11 Jul 09
I do have a checkbook. I even have checks! I don't write checks very often. I typically pay my bills online or over the phone, reducing the need for checks. My fiance, however, uses his checkbook religiously, writes checks for everything he needs, rarely uses his debit card, and keeps track of EVERYTHING meticulously. I check my bank account online daily, whereas he never checks his, goes solely on what's in his checkbook.
1 person likes this
@mipen2006 (5528)
• Australia
11 Jul 09
Hey ky, well I think you and your fiance would be a minority in todays society,as it seems more and more people are turning to their debit card, or direct debits to pay their accounts. Thank you for joining the discussion.
• United States
11 Jul 09
I mostly use my debit card, but I still use checks for paying rent and some of the bills. But if you pull out a checkbook in the grocery store or something, people start giving you dirty looks and grumbling about the hold-up. Also, most banks offer some sort of incentive when you use your debit card to do certain things, or when you use it enough times a month.
@mipen2006 (5528)
• Australia
11 Jul 09
Paying rent seems to be the major function of checks nowadays. I thing most banks would like to see the back of the private check book, that's why they have incentives, I guess, Thanks for your response surveygeek.
@sid556 (30987)
• United States
11 Jul 09
I do have a check book and yes...I do use it. I pay my rent with check as they don't accept cash. I know...odd but it is true. we can only pay with check or M.O. I keep my checking account mainly so I can pay my bills on-line and for my rent. I don't write many checks but they do come in handy. On occassion the credit/debit machine is down at my local convenience store. I am a regular and they will take my check instead. I don't carry much cash so it is good to have a back up.
1 person likes this
@mipen2006 (5528)
• Australia
11 Jul 09
Hi sid, I didn't realize many people still used chacks, but it would appear most rents are paid by check, and you're right about ATms beimg down.
@marguicha (164157)
• Chile
11 Jul 09
I have a cheque book and although I don´t use it often, i really need it sometimes. There are a few places here where they won´t accept credit cards. Small boutiques sometimes have that problem. But my last cheque book was started over 3 years ago and I still have cheques
@mipen2006 (5528)
• Australia
11 Jul 09
I didn;t realize there were some shops that didn't accept credit or debit cards. However, if you think about it, the Credit card provider does snip into the shop's profit margin, so it would make sense for a small retailer to prefer a check, provided they were sure of the buyer. Thank you.
@Jennlk84 (4216)
• United States
11 Jul 09
My husband and I both have a check book. We're recently married so soon that'll turn into one bank account and just one check book. I think it's still necessary to keep checks because you never know when you'll need them. There are some bills we can't pay online so we must send a check in. The new apartment we're moving into requires us to pay our monthly rent by check too. I wouldn't say we use our check books very frequently - maybe once or twice a month, but I still think they're important to have.
@mipen2006 (5528)
• Australia
11 Jul 09
Thank you jennlk, I didn't realize landlords still liked checks, but that makes sense, I guess. Most regular accounts can be paid with direct debits also, so the use for a check book is diminishing all the time. Thank you for you input.
@silverglint (2001)
• Philippines
14 Apr 11
I think that would depend on what country you live in. Here in the Philippines, we still use checks, but not for payment in groceries, over-the-counter payments or stuffs like that. Usually we use it to pay utility bills or to pay suppliers in our businesses. It is still a lot safer than having the messengers carry around a lot of cash with them
@momz2gd (295)
• United States
22 Mar 11
I haven't used any, either! I only have a savings account, because it is way too easy to bounce checks. I am not as responsible as others, but I am trying. I use paypal to save money and use a check card that they have sent me.
@kingparker (9685)
• United States
12 Jan 11
I am still using check books. I pay some of my payment through check book, not ready to convert everything to online bill pay yet. There is one thing I am concerning about is the online security issue. Until they totally improve this issue, I might convert everything to online bill pay then.