I still pay most everything by check (we have some insurance payments that are direct withdrawals and we have had them for over 20 years). Our retirement payments are automatically deposited. I only use a debit card for Costco gas. I get a bank statement via mail, but I usually balance my checkbook twice a month online. I am really careful -- I only have one credit card we use online and it was hacked last week so I am very cautious (this is the third time this card has been hacked).