I've been selling off my junk from my basement on ebay since last fall a little at a time. I've been taking personal checks, and though I have never gotten a bad one yet, I think I'm going stop taking them. Most of this past month's sales have opted to use personal checks, but it seems those are the ones that drag their feet the most. My terms of sale say they have 10 days to get the payment to me....some take that and more...sometimes several days more. Then I also state that I will hold the item for at least 10 busniess days giving the check time to clear (I know some take longer, but I risk it). Then before that 10 days is up I will get a nasty e-mail saying, "When are you gonna mail my item?" Arggghh...it's so frustrating. So they can take more than 10 days to get the check to me, but I have to send it out in less than the 10 day waiting period which was stated in my auction?! It hasn't happened with every check, but a few can sour the whole experience. So do you take personal checks? If so what has been your experience?