Quick take: The pros and cons of writing checks

Is writing a check still worth it in 2025? Let's talk about it.

Ever tried explaining a check to someone who’s never known life without a smartphone?

“It’s like Venmo, but with paper… and a pen… and waiting.” Yeah, it doesn’t exactly sell itself.

While digital payments continue to dominate (and let’s be honest, they’re fast and easy), checks haven’t completely disappeared. In fact, they’re still surprisingly relevant in certain situations. So before you toss that checkbook for good, let’s break down when—and why—it might still come in handy.

Why people still use checks (yes, really).

1. No convenience fees.
Some businesses tack on extra fees for paying online or by card. But checks? They’re usually fee-free (unless you count postage). A stamp might cost 68 cents, but that still beats a $5–$10 processing fee any day.

2. Safer than cash.
Drop a $100 bill, and it's gone. Drop a $100 check? Not quite so easy to cash without your signature and ID. Checks add a layer of protection if you’re mailing or handing off a payment.

3. Built-in proof of payment.
Ever needed to prove you paid someone? Checks make that easy. Just pull up the image of the cleared check from your online banking history and you're good to go.

When should you use a check?

Despite being a bit old-school, checks still shine in some everyday scenarios. You might reach for your checkbook when:

• • Paying rent to a landlord who doesn’t use digital apps

  • Sending a donation or gift by mail

  • Paying a babysitter, tutor, or contractor

  • Covering school or daycare fees

  • Splitting expenses with someone who doesn’t use mobile payment apps

In other words—checks aren’t gone, they’ve just become special occasion tools.

But... There are some drawbacks.

1. Scams are still out there.
Younger adults—especially Generation Z and younger—are more used to digital tools like Venmo or Zelle. Unfortunately, that can make them more vulnerable to fake check scams. Scammers know how to take advantage of unfamiliarity.

2. Ordering checks costs money.
No one loves paying for the privilege of paying. Basic checks aren’t too pricey, but custom ones with your dog’s face or college logo? That’s a splurge.

3. Processing takes time.
Checks aren’t instant. The money doesn’t leave your account until it’s deposited and cleared. That lag can lead to overdrafts if you’re not tracking your balance closely.

BONUS: You can still go digital.

Even if you still write the occasional check, depositing one doesn’t mean a trip to the branch. Just snap a photo using your mobile banking app, and you’re done in seconds. It’s the best of both worlds: classic payment, modern convenience.

The bottom line.

Checks aren’t obsolete—but they’re not for everyone, either. If you like having payment options, want to avoid convenience fees, or just enjoy writing in cursive (no judgment!), checks still have their place. Just be smart, stay alert to scams, and make sure you’ve got the funds to back it up.

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