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It's very uncommon to use them for any common expenses like groceries or gas. I use them for a quarterly HOA payment, yearly CPA tax preparation, petty governme

It's very uncommon to use them for any common expenses like groceries or gas. I use them for a quarterly HOA payment, yearly CPA tax preparation, petty government fines and fees, and donations to charity. Generally things that you mail a payment for and you want a record of the payment. Most of these I could do electronically but I don't really save any time doing so because of the friction of setting up the payment.

baq 2y ago
> Generally things that you mail a payment for I’m sorry but this sentence makes absolutely zero sense to my europoor brain. What do you mean when you say mail a payment and why would you need to do that. I literally lack the imagination.
- dmd 2y ago
  The European mind cannot comprehend how primitive American consumer banking is.
- thibautg 2y ago
  I don't understand either, but I would be genuinely interested in what "mailing a payment" means in practice. Is it like sending a check by mail or some kind of paper bank transfer?
  - owenmarshall 2y ago
    Sending a check via mail is infrequently done, but it happens. I just paid my annual property taxes that way. My options were: * mailing a check * paying via credit card over the phone for a hefty surcharge * cash in person In my case, I used my online banking to send the amount to the mailing address on the bill. In some cases - for large companies, typically - my bank can send the remittance electronically. In others, though, they fill out a paper check on my behalf and send it via the postal system. This service is fee free to me, or else I’d have sent the letter myself.
    - lostlogin 2y ago
      You say ‘the cheque is in the mail’ when you intend to ignore an instruction whilst pretending to comply.
- gosub100 2y ago
  When I want to transfer currency units to entities which are not within range of any personal locomotion apparatus, I utilize a government service that transfers paper parcels anywhere in the country for a fixed rate. A few days later the receiver redeems the check for currency units deposited into their banking account.

baq 2y ago

> Generally things that you mail a payment for I’m sorry but this sentence makes absolutely zero sense to my europoor brain. What do you mean when you say mail a payment and why would you need to do that. I literally lack the imagination.

dmd 2y ago
The European mind cannot comprehend how primitive American consumer banking is.
thibautg 2y ago
I don't understand either, but I would be genuinely interested in what "mailing a payment" means in practice. Is it like sending a check by mail or some kind of paper bank transfer?
- owenmarshall 2y ago
  Sending a check via mail is infrequently done, but it happens. I just paid my annual property taxes that way. My options were: * mailing a check * paying via credit card over the phone for a hefty surcharge * cash in person In my case, I used my online banking to send the amount to the mailing address on the bill. In some cases - for large companies, typically - my bank can send the remittance electronically. In others, though, they fill out a paper check on my behalf and send it via the postal system. This service is fee free to me, or else I’d have sent the letter myself.
  - lostlogin 2y ago
    You say ‘the cheque is in the mail’ when you intend to ignore an instruction whilst pretending to comply.
gosub100 2y ago
When I want to transfer currency units to entities which are not within range of any personal locomotion apparatus, I utilize a government service that transfers paper parcels anywhere in the country for a fixed rate. A few days later the receiver redeems the check for currency units deposited into their banking account.