I haven&#x27;t sent a paper check since about 1991 when I started using Bill Pay which AFAIK is part of nearly every bank in the USA now and has been for many many years. Not sure why you&#x27;re sending checks manually. The bank decides if it&#x27;s a transfer or a check. I don&#x27;t care because to me it&#x27;s been trivial for 24 years.<p>Compare to Japan where I had to transfer to my landlord at about $6 per transfer and doing online didn&#x27;t happen until about 2003, 12 years after the USA.