Umm, what do you think you give them when you write a check???
Oh, puh-lease! You know those silly little numbers at the bottom of each check don't mean anything.
"Umm, what do you think you give them when you write a check???"
Paper checks are processed by a financial institution which has very specific rules about how they are handled. Their employees are very accountable.
The last time I did an echeck, someone at the retailer ran it through multiple times. Maybe they were incompetent, maybe they were a thief. It withdrew from my account successfully twice, then rejected on the third and subsequent tries. So, unbeknownst to me, the retailer turns me over for collection and VeriCheck flags all of my checks as bad. It takes hours in electronic phone systems of a sleazy collection agency to talk to a real person, who I find won't help me unless I promise to send them money. Eventually, I determine where the problems started, get my banking records and prove to the retailer that I did not write a bad check. Then nobody in the store knew how to correct the problem. Eventually, it takes a few weeks for the collection action to terminate and veriCheck to clear their records.
All told, a frustrating few weeks because I decided that a retailer was competent and reputable enough to trust with an echeck. Instead, they tried to rob me, ruined my credit and treated me like a criminal. None of this would have happened with a paper check processed through a bank.
Sorry, but I think banking should be left to the banks, not some retailer with minimum wage employees.