I'm in Australia. All the major and I'm pretty sure all or almost all of the minor banks and bank-like businesses (Building Societies and Credit Unions here) use a thing called PayID. I can send almost everybody I know money just by using their mobile phone number or email address, and the transfer happens from my account to theirs literally in seconds. I can also send money to anybody's BSB/Account Number, and that happens pretty much overnight. Writing a check feels like an archaic thing my parents used to do, like dialling a rotary telephone or sending a fax. I'm pretty sure if someone offered me payment by check, I'd turn it down assuming it's a scam. (I'm 56, for comparison)