The U.S. Federal Reserve reported that billions of checks are still processed annually. So, when should you use a check in 2025? And why does this traditional payment method still matter?
Despite rapid advances in digital payments, the act of writing a check remains surprisingly common in the United States.
According to the Federal Reserve, Americans still write over 3 billion checks each year, processing trillions of dollars in payments. In fact, the US leads globally in the use of personal checks, even as mobile apps and online banking continue to grow.
Historically, checks have been part of American financial life since the 18th century. Today, while their use has declined compared to previous decades, checks are still considered a secure and reliable method for many payments, from paying rent to settling business accounts.
Certain industries, service providers, and landlords continue to prefer checks, valuing their traceability and formality.
When should you write a check in 2025?
1. Paying rent or security deposits
Many landlords and property management companies still prefer checks for rent payments. Some do not accept digital payments due to processing fees, while others require a paper trail for legal and accounting purposes. A physical check also provides proof of payment, which can be crucial in disputes.
2. Formal transactions & large payments
For major purchases, such as buying a car, paying contractors, or settling tuition fees, checks offer a secure and traceable alternative to cash. Unlike instant digital transfers, checks allow a brief processing window, giving you time to ensure funds are available.
3. Gifts & donations
Checks remain a preferred method for gifting money, especially for weddings, graduations, or charitable donations. They are safer than cash (if lost, they can be canceled) and more personal than an impersonal bank transfer.
4. Government & legal payments
Certain institutions, including courts, tax offices, and some government agencies, still require checks for fees, fines, or official payments. Electronic options may not always be available or could incur additional processing charges.
5. Businesses & vendors
Many small businesses and freelancers accept checks for invoiced work, particularly when dealing with older clients or industries where digital payments are less common. Checks also help with business accounting, as they provide a clear paper record.
Why writing a check still matters
1. Security & fraud protection
Unlike cash, a lost or stolen check can be canceled before it’s cashed. Additionally, banks provide fraud monitoring for check transactions, making them safer than carrying large sums of money.
2. No dependency on technology
Digital payments require internet access, bank approvals, and sometimes third-party app permissions. Checks, however, can be written and deposited without relying on technology, making them useful in emergencies or rural areas with poor connectivity.
3. Record-keeping & budgeting
Checks create a physical paper trail, simplifying expense tracking for taxes, business records, or personal budgeting. Unlike digital transactions that can get lost in bank statements, a check stub provides immediate proof of payment.
4. Avoiding transaction fees
Some digital payment platforms charge fees for instant transfers or business transactions. Checks, on the other hand, are usually free to issue, aside from potential bank charges for checkbooks.
5. Back-up payment method
If your debit card is frozen, your bank detects suspicious activity, or a vendor doesn’t accept digital payments, a check serves as a reliable backup payment option.
How to write a check correctly in 2025
To ensure your check is processed smoothly:
- Use a pen (never pencil) to prevent alterations.
- Fill in all fields clearly, including the date, payee, amount (in numbers and words), and memo line.
- Sign only when complete, an unsigned check is invalid.
- Record every check in your register to avoid overdrafts.
Read: How to Write a Cheque: Step-by-Step Guide for Beginners
Final thoughts
Though many financial transactions now happen digitally, writing a check continues to play an important role in the modern financial landscape. Whether for paying rent, settling business invoices, or gifting money formally, checks provide a secure, reliable, and widely accepted payment method in the United States. Understanding when to use a check, and how to handle it securely, ensures that this traditional method of payment remains a useful financial tool, even in 2025.
Himani Verma is a seasoned content writer and SEO expert, with experience in digital media. She has held various senior writing positions at enterprises like CloudTDMS (Synthetic Data Factory), Barrownz Group, and ATZA. Himani has also been Editorial Writer at Hindustan Time, a leading Indian English language news platform. She excels in content creation, proofreading, and editing, ensuring that every piece is polished and impactful. Her expertise in crafting SEO-friendly content for multiple verticals of businesses, including technology, healthcare, finance, sports, innovation, and more.
