This is really a problem with the US banking system as a whole, the check-prevalent culture where people are still willing to deal with such ancient financial i

This is really a problem with the US banking system as a whole, the check-prevalent culture where people are still willing to deal with such ancient financial instruments, plus the US society where people live paycheck-to-paycheck. When you do an ACH pull or a check deposit, it generally takes several days or even weeks for the transaction to clear. (But when you do an ACH push or Zelle, the transaction may be irreversible.) Would you be OK if your bank waited a week or two until clearing the check? Or the banks getting rid of the whole idea of personal checks?