Cheap ( < 0.50 ), instant or near instant transfers have completely replaced checks in most of Europe about 20 years ago. I haven't seen a check until I moved t

Cheap ( < 0.50 ), instant or near instant transfers have completely replaced checks in most of Europe about 20 years ago. I haven't seen a check until I moved to NA. Every time I use the banking system here I see the same problems I've experienced in the 90's in EU.