Checks are widely used for rent, payroll when direct deposit is not setup, and by the old person in front of you at the grocery store checkout when you're in a rush. In the US, checks are basically a paper method to "order my bank to withdraw said amount from my account and transfer it to the destination account." The laws regarding what makes a valid check are (or at least were) rather loose. Someone once paid his taxes by writing a check on the side of a pig and delivering it to the IRS.