The issue is further up the chain but it's an issue nonetheless. Banks want to go back to physical transactions about as much as people do, so in reality they should be charging for the physical to get people to move to digital.
It's safer, faster, and encourages more spending, just like a credit card does.
But the fees for check processing were already baked into the system before credit cards even existed, so they're not allowed to charge extra for a check, no matter how much they want to be rid of them.
These systems can change as they have done everywhere except in the US. In most of Europe digital transfers are free and checks virtually nonexistent.
The issue is further up the chain but it's an issue nonetheless. Banks want to go back to physical transactions about as much as people do, so in reality they should be charging for the physical to get people to move to digital.
It's safer, faster, and encourages more spending, just like a credit card does.
But the fees for check processing were already baked into the system before credit cards even existed, so they're not allowed to charge extra for a check, no matter how much they want to be rid of them.
These systems can change as they have done everywhere except in the US. In most of Europe digital transfers are free and checks virtually nonexistent.