So, you have your check book with you but not your check/credit card? Isn't it easier to carry around a card than a whole book of checks? As I mentioned in another post. I understand when there are times that you have to write a check. However, not in a grocery store (they all take credit or check cards). I use to get on my sister all the time because she would not use a check card. Her argument was that if she used a check card, she would forget to record the purchase. I convinced her that she did not need to record the purchase the instant she purchased something. She could put the receipt in her purse and record it later. She has finally started to use her check card. Until someone can give me a valid reason for using physical checks over a check card, I don't know that it's wrong to assume everyone should us a check card. Actually, I ALWAYS have my check book because I'm a girl and it's always in my purse, but I take my check card out and put it in a pocket, or throw it in my purse when I'm done with a transaction and don't want to take the time to put it back and then I switch purses and I'm without my check card. I realize these are "girl-only" problems, but my point was that I've never been without my checkbook, but have found myself without my check card precisely because I always use it. It's not a choice of using the checks over the card, but a situation in which I don't have the card. Sadly, it happens a lot...