This is also why you can’t write a check most places anymore.
A family member owned a store in a local mall- EVERY TIME she accepted a check from a certain ‘demographic’ it bounced.
Checks written to a retailer no longer go through a clearing process as they did in the old days. They are immediately electronically debited from the checking account. It’s more like using a debit card. No opportunity for them to bounce really.
The reason you don’t see checks being written is that few people write them anymore. I recently saw a lady in line ahead of me at Walmart pay by check. She was on the high side of 80. Had not seen anyone pay by check in years, and the cashier was thoroughly confused on what to do.