anantha p.

A cleared check with a proper memo (described clearly what is that checks you wrote for on the bottom of the check) on it even use as a contract what for you gave that payment, which is not possible if you send the money electronically like wire or credit/debit card. A cleared check is a proven receipt also. Payee cant argues or denies with you 'oh this is not what you paid me for' or 'that part of job or product not included when we talked' it all on the Memo of cleared or cashed checks.

Moreover, if you don't want pay ahead to anyone a post dated check can give confident to payee also that some kind of guarantee in his hand for the service or products him to provide. These are all not possible if you pay by electronic ways.