I've written one check in the last two decades, because it was the only overlapping means by which me & the destination merchant could transact. It almost happ

I've written one check in the last two decades, because it was the only overlapping means by which me & the destination merchant could transact. It almost happened twice, but the other time it actually ended up being a direct bank-to-bank transfer. Where it happens IME is large value transactions, where the merchant isn't capable of ACH, basically. Any normal bill payment like rent or utilities can do ACH, so that leaves large purchases. The one above was for a car.