Not true. If you get any kind of refund on your Wells Fargo credit card, and you want to move it to your checking account, they send you a check by snail mail,

Not true. If you get any kind of refund on your Wells Fargo credit card, and you want to move it to your checking account, they send you a check by snail mail, which you then deposit. If you use Bill Pay to a recipient that isn't one of the few companies they have electronic clearing with, they make you enter a physical address, for... right, mailing them the check. There is no universal system advertised by the banks I've been with to send money electronically between consumers. If I want to pay my homeowners association's dues (which, coincidentally, I am in charge of, too) I have to use a check. All the above thus includes two scenarios where I essentially end up sending a paper check to myself. I'm European import to the USA, so I may not have figured it all out, but boy, I tried. Edit: Forgot about this one: good luck being a foreigner paying the USA government for your immigration proceedings... right, all paper...