But no bills. Oh, I often pay local merchants that way to save them transaction fees and have paid large items that way at the jeweler or to have work done at the house.

Recently paid a car bill and the guy wasn’t partial to either CC or check. I told him I’d pay check so he didn’t have to pay the fees and that I tried to do that for local businesses. He told me to wait a minute and knocked about $60 off the bill. Nice surprise!