What's a check? As the saying goes, 'I'm too European for this'.

On a more serious note, the last time I saw a cheque in the UK was my grandfather balancing his cheque book in the mid 80s. It really has been that long since they were in general use in the UK, at least.

Just like with the prevalance of Apple/iPhones, the US banking system is global outlier.

Things you can't do with my banking app you can do with the web site:

- Extract your transactions to excel/csv

- Use OpenBanking

- See all my accounts on screen at once

- Sharedealing

- International transfers

But people are right, banks trust the mobile app more, and realy on it as an MFA device, so even if you use the website you still need the app.

Europeans have checks as well, so that doesn’t really makes sense.