Correct. Some businesses would rather just charge less. Sort of the polar opposite of Disney theme parks. They have hiked prices to try and thin out the crowds. They have discovered guests have a better experience, and spend more if the parks are less crowded, and thus they make more money with FEWER customers.
How often do you shop at a mom and pop store or in a small town?
I would say sometimes. I almost always use a credit card, never a debit card, never a check, sometimes cash.
You have never had a case of check fraud? We have. "washing" checks or reproducing checks with your bank info is pretty easy, and even harder to trace than electronic fraud. There is no digital trail to follow, and because of the lag time between them passing the bad check and it showing up in your bank account they are typically long gone. That is amplified if you wait for a paper bank statement rather than checking your balance online. You won't know someone has cleaned you out until you start getting returned checks.We get our checks from Checks Unlimited, have ordered from them for several years. Their checks are less expensive than buying from the bank, and I like their designs.
We are "old school" and do not do ANY on-line banking. We do not have a debit card and don't want one. We hear too many stories of accounts being hacked and other problems with debit cards, and problems with on-line banking. We don't have that with checks. So I write checks for everything, unless we're using our credit card (yes, we do have those, ha ha!!).
I always tell this story whenever checks vs. debit cards/online banking comes up on the board, I was at Meijer one day and their computers were down and they could not accept credit cards/bank cards. People were having to leave carts full of groceries behind as they had no other way to pay. I wrote a check and went on my merry way with my groceries.
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