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Jacker you make some valid points.....however I think what KRL is getting at is that most banks don't send your cancelled checks back to you anymore, they store them for you and charge you to get a copy of one if you need it. (For proof of purchase or whatever)
Now those checks won't be stored by your bank, but by the bank they were cashed at.......so if you want to get a copy of your cancelled check not only will the delay probably be ridiculous, but now you'll have to pay a service fee to both banks. Banks already rape us in fees in the way they handle checks, they don't need any extra help from the government to rake in more funds from consumers.
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