Gayner is actually right this time. North America is supurbly backwards when it comes to bank to bank transfers. Fees out the ass.
Seriously? My bank gives free online banking and transfers. A quick look at HSBC and Bank of America shows that they offer free internet banking that allows for paperless statements, automatic bill pay, and free transfer to accounts within the same bank and to other banks too.
There has been nothing that I have found overseas that I couldn't get an equivalent service for at a large US bank. Christ sakes, many banks you find in the US are the banks you find internationally, like HSBC and Citibank.
Personally, I still prefer to use checks. Bills are automatically paid via credit card which automatically deducts in full from my account. Same deal for back in the States. The only things that leaves checks are the incidental payments that are usually unique in origin. Like rent, personal transactions, unique bills like doctor's, etc. I still prefer to write checks because it is still more convenient than going home, logging on to the computer, getting my personal key generator, signing in to my internet bank account using User name, password, randomly generated key and then having to type in the 10 digit account, the dollar amount, a memo so I know what the transaction was, and then another randomly generated key. A check 99/100 is faster for me to write and I automatically get a written record of it as well and I can present payment face to face.