That may work here, but how do you handle Ebay or Reverb purchases? I guess that question is already a bit off topic. I don't know of that many sellers anymore that want to deal with checks. It takes me two years now to go through a single book of checks since I rarely write them. I think they are going out of fashion pretty fast. But the new way of handling payments has a lot of fees. Think of ATMs, if you go to one that isn't in your bank's network you get dinged $3 or so by the other network and $2 by your bank (roughly, YMMV). I had to get $20 out once, had to, and it ended up costing me $5 in fees. I keep some cash on hand at all times now.