I’m a homeowner and have kids, and I’ve never written a check in my life. I can login to Bank of America and have them print and mail a check for free, but the recipient has to wait.

I only have to do this rarely, and it’s always because the recipient wants to charge a “convenience fee” for having me pay with ACH or debit card or credit card. (The seller is assuming people would rather pay an extra $3 to $5 to not have to write a check or mail anything).