I haven't sent a paper check since about 1991 when I started using Bill Pay which AFAIK is part of nearly every bank in the USA now and has been for many many y

I haven't sent a paper check since about 1991 when I started using Bill Pay which AFAIK is part of nearly every bank in the USA now and has been for many many years. Not sure why you're sending checks manually. The bank decides if it's a transfer or a check. I don't care because to me it's been trivial for 24 years. Compare to Japan where I had to transfer to my landlord at about $6 per transfer and doing online didn't happen until about 2003, 12 years after the USA.