I still have a checkbook for the occasional handy man that doesn't want cash or transfer. I'm pretty sure most apps take a cut from business accounts, and others will report to the IRS when you make a certain amount, so for some workers it makes sense to avoid the apps.

Zelle is somehow the one that is usually free and does not report, but my credit union has a daily limit for Zelle transfers, so if the bill is larger, I offer payment in check as an alternative to cash since it's safer.

my bank trys to force '2SV' and tie it to my phone. I would much rather an email that I can access on ANY device.

Don't have your phone? Fucked

Lost your phone? Fucked

Got a new phone? Extra fucked

I'd MUCH Rather use a normal authentication method rather then it be tied to texting me a dumb ass code.

where i live its hard to find places who even accept them. im not sure how i can get my bank to give me a check book if i really wanted to use them.

don't have to drag ur ass to a store