I was just thinking of this, last week, Pam, when we paid the heating contractor, by check, for some work he did in our house. We don't write many checks at all.

I guess we mostly use checks to pay for things like that, when someone needs to be paid "on the spot". The only other things I can think of is that we pay our church pledge by check or cash, our petsitter gets a check or cash, and we usually pay our vet bill with a check. Everything else is done by automatic draft or by online banking.