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You don't trust your bank's online systems, but you trust them to properly verify that cheques drawn against your account are valid?


Yes, I do. Checks are a more tried and true technology, for one, and check verification is a relatively open technology; we know it's weaknesses. On the other hand, there is no guarantee passwords are even hashed, that backend communication is encrypted, that the horrendous security questions allow easy access to anyone who knows my mother's maiden name (which is a matter of public record). Finally, I can chargeback/cancel/reverse checks, which require a physical item, but though the web interface I can initialize a on-reversable wire transfer.

So I do trust cheques more, and I have more options if a bad check is charged.




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