I made a phone payment on one of our accounts the other day because I’d lost the statement so didn’t have an address to set it up for online banking, and was surprised because I needed my actual checkbook to complete the transaction.

Please understand. I know my entire checking account number by heart. I know the routing number too. I write one paper check a month, and that’s to pay my lawn guy. I’m so used to companies not needing check numbers, or being able to make up check numbers, when doing electronic funds transfers of this sort, that I literally was struck dumb for a few seconds when I was asked to provide one.

I realized after the call just how spoiled I am. While I like to have cash on hand for emergencies, with the exception of sticking a dollar in the tip jar at Starbucks every so often, I almost never need it. Even our pizza, which I ordered online this afternoon because it was cold and gray, we were both in the middle of work, and we had nothing but peanut butter in the house because we haven’t been to a grocery store in forever (too busy), was paid for electronically, though they did ask to see the credit card (debit card) I used for the transaction, when they delivered it.

So, here’s the question of the day:
Do you still write paper checks on a regular basis? If so, is it a choice, or a necessity?