I grew up in an era where checks were a completely normal and necessary part of everyday life. I wrote and cashed them frequently when I was a little kid—especially around Girl Scout Cookie season, trying to square the orders of all my neighbors.
Because yes, I used to sell Girl Scout Cookies the old fashioned way. I’d leave my family home, on foot, in the dead of winter, to walk aimlessly around my neighborhood, alone and unsupervised, ringing random doorbells, initiating conversations with strangers, accepting their invitations to come inside. Might as well have been helping them move couches, and answering persistent questions about my dress size.
Now if I want my Thin Mint fix, I gotta go to the grocery store awning and talk to a bunch of moms because the eponymous Girls are sitting in the car because it’s too cold and they need to charge their phones. Oh the times, they are a’changing!
It says a lot about the pace of financial technology that now, checks have become a chore. When somebody hands me a paper check, I’m like, “Ugh, really? Shall I deposit this before or after I churn the day’s butter?” They’re dinosaurs barely holding on to relevance. Like Adam Sandler.
But they come up just enough that you need to know how they work.