Checks are a holdover from the 1800s. They don't have a place in modern banking. If the US were willing to put tighter rules around bank transfer fees, it woul

Checks are a holdover from the 1800s. They don't have a place in modern banking. If the US were willing to put tighter rules around bank transfer fees, it would be possible to create a European style system where bank to bank transfers are free, regardless of which bank you're with.