If you write checks EVER, verifying your balance with your bank via web or phone cannot be relied upon as 100% accurate. If you never ever write checks, this argument doesn't apply, but just one outstanding $75.00 check that hasn't hit your bank yet 'cos the payee hasn't cashed it could be the difference between overdrafting and not overdrafting when you make your next purchase/withdrawal from checking. Also, as Jim mentioned, I like being able to flip open my checkbook to see my current balance rather than the hassle of going to my bank web site, going to my account page, typing my username, answering two secrity questions, submitting a password, and then reviewing the activity for anything that hasn't hit yet. I'm very computer literate, and use my bank site all the time, but don't want to jump through those hoops to know my balance every time. Hmm, totally disagree. If someone eschews their loose change in lieu of breaking that extra $1 every time, that just seems really lazy and inefficient to me. If I make 10 cash purchases in a week, I'd be left with 10 less bucks in my wallet and a bunch of change that was useless until my next trip to the bank. And I never go inside a bank, anyways. Just seems more prudent, thorough, and responsible to hand the cashier the necessary two dimes when your total is $4.17.... Fun thread.