Just to respond to other comments - most people rarely use checks for day to day expenses. Our paychecks are direct deposited, and we pay our bills online or though our banking app.

Checks have their weaknesses, but at least your credit card number isn't being saved or harvested online. And you can be sure banks will call out a bad check. Credit card companies won't catch fraud for you and may not believe you if you claim unauthorized charges.

Yes, in America we often have to wait 2 days for checks to clear. It's because a lot of that processing and consolidation doesn't happen until banks are closed for the day. It's a system designed before the internet existed.