People Hate Writing Checks (But They Do It Anyway)

Consumers are still writing checks, but research shows they really don’t like doing it. This study breaks down check writers by age, gender and frequency.

By Jeff Bartlett with

With the increasing availability of mobile and online banking options, traditional checking account products like paper personal checks are falling out of usage. Online bill pay, peer-to-peer payment apps and other, more convenient ways of moving money are taking their place.

That might seem obvious to a lot of people, especially younger, tech-savvy generations, but almost half of people in their mid-40s “never” write checks, according to a new survey by GoBankingRates.

The leading banking and personal finance site asked how often banking customers wrote personal checks, finding the most common response was “never” (37.8%), followed by “several times a month” (25.6%), “a few times a year” (20.5%) and “once a month” (16.1%).

The survey also found that men write checks less often than women, and the youngest age group (18-24) was the most likely to report never writing a check. Residents of the western United States, as well as from urban areas, were least likely to write checks.

One of the most surprising findings was that every single survey respondent in the over $150,000 per year income bracket stated that they write several checks every month.

( Read More: Should Banks Charge Fees For Check Writing? )



( Read More: Cash, Check or Text: How Americans Pay Each Other )

The Death of the Checkbook?

Most of large, online banks have embraced this trend of declining check usage, offering above-market interest bearing checking accounts to consumers online, with minimal fees. The death of the checkbook is not far away.

Kyle Kolsky, SVP Head of Consumer Deposits at Bank of Internet says convenience and security are driving these trends. “Consumers are becoming more tech-savvy,” Kolsky says. “They realize that online banking is more convenient and secure than using paper checks that have the potential to expose your personal information — including your account number — to others.”

If consumers are embracing this evolution of the checking account, it should continue to be advantageous for banks and credit unions to continue developing cutting-edge banking products that leverage the convenience of the Internet and provide additional perks with low fees.

These online bank accounts, which charge fewer customer fees and require smaller minimum balances, can afford banks more attractive interest rates due to the lack of overhead costs associated with more traditional bank accounts – a win-win for banks and their account holders.

Polling for the survey was conducted through Google Consumer Surveys from February 19 through 21, 2014 for a total of 1,501 responses.

Jeff Bartlett leads ConsumerTrack which owns GoBankingRates helps banks and credit unions reach new customers and members searching for banking products, local interest rates and personal finance news.

This article was originally published on March 27, 2014. All content © 2018 by The Financial Brand and may not be reproduced by any means without permission.


  1. Trevor Rasmussen says:

    Interesting article, but I don’t see anything in the survey results presented here that shows any kind of customer sentiment regarding consumers. Sure there is a group of people that are not using them but the real story is that 62% ARE still using them which would probably surprise a lot of people. Either way, this headline and some of the copy within the article is HIGHLY misleading unless you just didn’t share the results that would back up the claims about the markets sentiment about writing checks

    There is no denying that the check is in a decline — no news there — but the news is actually that the decline has been slowing of late (from 9% to under 6%) and while there will be an end, most research shows its a very long ways away.

  2. Any data showing that people “love” writing checks?

  3. I still have to write two checks a month. Once for my landlord (an individual with a few houses, not a giant property company) and my water company which still pretends it is 1974. As soon as I can move the checkbook is going straight to the trash.

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