Arguing about whether checks should be free or not is silly.
In many parts of the world, checks are outdated, and can be difficult and expensive to use. That is not a mark of being backwards.
The question is, what services exist to pay business and private citizen in lieu of having cash on hand.
In Denmark you have mobile pay, free bank transfers from your free online banking account. Business can setup monthly payment plans via your debit/credit card.
In such a society, who needs a check, digital or paper?
I'm not arguing checks should be free. I'm arguing sending money should be free. It's been free in the USA longer than my entire life. It's not free in Japan, in fact it's very expensive. Sorry if that wasn't clear. I only brought up checks because they were an example of one way to send money for free and they've been around a long time. That other countries have other ways is great. So has the USA. Japan still has no ways to do it so as I pointed out at the top there's an opportunity.
In many parts of the world, checks are outdated, and can be difficult and expensive to use. That is not a mark of being backwards.
The question is, what services exist to pay business and private citizen in lieu of having cash on hand.
In Denmark you have mobile pay, free bank transfers from your free online banking account. Business can setup monthly payment plans via your debit/credit card.
In such a society, who needs a check, digital or paper?