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Sorry to say but IMO the US system of handling payments in the Net and elsewhere is almost ancient history.
We have stopped using checks since 80's or so. All payments are made directly from one's bank account to another's. Including pay checks and all. You can pay online and the money will be transferred in real time. The banks are almost only for grammas who dont have computers and who cant pay at home.
Same goes for shopping in the Net. You order a product, and transfer the money from one bank account to another in real time.
When I received my first check from clickcash in 97 and went with it to the bank, they were laughing at it and said it looks like MONOPOLY fake money.
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