I hate personal checks. One of the problems is, that I run a small business and don't make enough to justify accepting credit cards. I also take a deposit for equipment that I rent and then have to return the money, after the equipment is returned. This neccesitates checks.
I was thinking about using PayPal, but most of my clients are new parents in crisis. They often come right from the hospital to my home for equipment and commonly the baby is still hospitalized. Asking them to go home, log onto PayPal (or worse, have to start up a PayPal account) in order to pay me is asking too much of them in a time of great stress.
I have had a few bounced checks from clients. As a small business owner most banks will deal with me and let me know if the account a client has written a check from has enough money in it to cover the check or if the account is active.
I once had a client angry because I didn't cash the check she gave me on a determined day she proscribed, telling me she was "going to close the account soon. I did tell her that my doing that would probably not happen (legally you have 12 months to cash a check in most places) and that the bank would require her to leave enough money in the account to cover any outstanding checks. She put a stop payment on the check. It cost her a LOT in fees, as I talked to her bank and they let me know her account had NOT been closed and that the money was there.
I prefer to deal in cash, but people don't always have the cash to pay for their products or my services on hand. I'm about ready to give a discount for cash transactions.
I hate dealing with checks.