I'm assuming there would be costs for the bank once you get into electronic transfers. (or did we just think of the next unicorn payment startup idea??) As a si

I'm assuming there would be costs for the bank once you get into electronic transfers. (or did we just think of the next unicorn payment startup idea??) As a simpler solution, what if banks offered checks that didn't have any identifiable info on them and didn't require a signature, etc. And instead of account/routing number it have a hex value that is decrypted by the bank?