I very seldom write a check anymore. I use my debit card but had a bad experience a couple of weeks ago. My bank called and asked me if I had used my debit card in Florida. I said of course not, I'm in OKC! It seems someone had gotten my debit card number and was using it in Florida, but the bank caught it very quickly, it was only used 4 times. But I had to get a new debit card that 2 weeks to get to me. I hated using cash or checks.
The bank said there are many ways people get our numbers. I almost always use my debit card as a charge because my banker told me last year it was much safer because you don't have to put in your PIN number.
Everything was refunded to me and I am still nervous, but I guess I won't go back to checks.