Why are Americans still dealing with checks in the age of digital banking?

I pay in checks for large bills. I fail to see a problem

Why would you use a functional system for the past fifty years that works? Instead of using a third party data harvesting middleman like Venmo/Cash app/Paypal who can reject your purchase because fuck you?

Wait, you guys don’t have bank transfers in the USA? I can send money from my own bank account with no fees to every other bank in my country

You gonna organize a bank transfer to pay your dinner check?

Yep, I scan a QR code that they give me and my bank, any bank in my country, will transfer the requested amount to the restaurant in one click on my phone. With two additional clicks I can send a QR code made by my bank to my friend who can transfer his part to me. Both transfers happen within a second.

On the way home, I pay for public transport by bank transfer by holding my card to the reader when getting on the bus, then off the bus. It’s simple and secure.

Oh wow, how interesting…

I’ve definitely never seen that in the US

It’s called Zelle. We have it, it just isn’t as ubiquitous.