I haven’t received a physical paycheck from an employer since 2004.
I haven’t written a physical check since probably 2007. But as noted, cashier’s checks are a completely different product.
I’ve had mobile deposit from my US bank since 2010.
And various banks have offered ATM fee reimbursement (capped at a certain amount) since 2010.
Maybe the issue isn’t that US banks are so behind, but rather the age/year of when folks entered the US banking system and were first exposed to these things themselves versus what they were taught in a classroom.
Most of my contractors (house) charge 2% more for visa/mc so I give them checks. I pay my car insurance by check in person because my bank and insurance company routinely lose automated payments of any kind. In person I usually pay with ApplePay or a chip CC, and routinely refuse to shop at places (looking at you Pei Wei) who refuse to accept Apple Pay or chip cards. The cash in my wallet sits there for months.
I moved to the US as an adult ten years ago and the banking system was surprisingly behind - I finally understood why PayPal existed, for instance. And I had to write my first check - lots of them!
