However, I understand it is almost impossible to cash a personal check 
in Europe. It is trivial here. On the other hand we have had Direct 
Deposit which is a type of EFT since at least the beginning of the 
1960's, and of course a debit card is a form of EFT. Strangely enough my 
bank has ridiculous charges for EFT's, but not for debit cards or direct 
deposits.

Different places, different ways <SHRUG>.

-graywolf


mike wilson wrote:
> 
> Not forgetting the paranoia factor.  What is commonplace in Europe is 
> regarded with the deepest suspicion in the US.

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