The demise of checks is greatly exaggerated. I've written about 70 or so checks in the last 5 years. Mostly: Property taxes, home improvement contractors, dues for various clubs and social groups, kids activities, and some mail-in retailers who simply don't take credit card.

That's leaving out the "automatic bill pay" function of my bank's web site, which, for most payees, at the end of the day results in physical paper checks being printed and sent in envelopes.