I'm old enough that I have used a check a couple of times, but probably fewer than 10. I remember not being certain how to pronounce it "xeck" (käck) or "sheck"

I'm old enough that I have used a check a couple of times, but probably fewer than 10. I remember not being certain how to pronounce it "xeck" (käck) or "sheck" (sjeck) or even "tcheck", to improvise an English sort-of-phonetic spelling.