While some number north of 90% of working Americans use some form of Direct Deposit to get paid, in the the US, we still use paper checks for things. For me, p

While some number north of 90% of working Americans use some form of Direct Deposit to get paid, in the the US, we still use paper checks for things. For me, personally, I pay all bills I can online. There are still three things I need to write checks for, they have no online payment option at all. I pay those online through a service my bank offers, but my bank turns around and sends a paper check. Not all consumers use online bill pay services, a lot of people still get paper bills and send paper checks in response. On top of this, something like 5-6% of Americans households don't have a bank account at all. The ones that do get paid by a steady income in this category expect to get a paycheck and cash it at a bank or check cashing service (generally with a fee).