When can we stop writing checks?
Almost 2 years ago, I wrote about how we’re using less and less checks each year. Thanks to the power of online banking, we’ve gone from running through boxes of checks every 18 months down to a box about every 7 years:
But we seemed to have stagnated in 2008 and 2009, even going up last year:
What I want to know is when can we stop writing checks??? Will I always need to keep a checkbook? While I use credit cards for most purchases, there’s still a few places where I still have to write a check:
- City of Rockville, MD for trash, water and sewer (every 3 months). C’mon, get with the times and accept online payments already!
- Some repairmen, such as our HVAC company when they make house calls. It’s either cash or check, but they do good work, so I stay with them.
- Gifts (mostly nieces and nephew) for birthdays/baptisms/etc. While cash is nicer, it’s even less convenient to go to the ATM than to write a check, and I figure there’s more of a chance the money will be saved than spent if it’s deposited into the bank first.
- Maryland MVA (DMV). I got Stacie an alumni plate for her MINI as a surprise and there was only a check/money order option. Regular renewals are done online though.
- Charities. If I want a paper trail of a donation, I’m paying by check or credit card.
While I have an ING Electric Orange checking account (the link is for opening a savings account and getting $25), I’m still not comfortable with not having the check book option in those instances I don’t have cash and the other party doesn’t take credit. Eventually I foresee cellphone payments as an option (the iPhone already has a payment app), but in the near future, I have to continue keeping this stupid check book.
What do all of you think?