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In our defense, we don't write cheques, we write checks :)
Show HN: Check Supply – Send Checks in the Mail
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Re: Show HN: Check Supply – Send Checks in the Mail
#12If you can find customers more power to you I guess, but I just can't see the use case here. Having a checkbook, envelopes and stamps is a basic part of being a functional adult. It's not hard or expensive to do, so why on earth would anyone want to pay you to handle basic adulting for them?
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Re: Show HN: Check Supply – Send Checks in the Mail
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Re: Show HN: Check Supply – Send Checks in the Mail
#14How common is check usage in the USA? Is it a daily/weekly/monthly/quarterly thing?
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Re: Show HN: Check Supply – Send Checks in the Mail
#15Why does it need to be connected to your bank at all? It just needs the account, routing, and check numbers.
I can order paper checks with arbitrary account and routing numbers on them.
Also, for people with printers: checks don’t need to be with special ink or on special paper.
Re: Show HN: Check Supply – Send Checks in the Mail
#16Don”t most banks offer this exact service for free? My credit union calls it “bill pay.” I use it for exactly the use cases you list.
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Re: Show HN: Check Supply – Send Checks in the Mail
#17Why does it need to be connected to your bank at all? It just needs the account, routing, and check numbers. I can order paper checks with arbitrary account and routing numbers on them. Also, for people with printers: checks don’t need to be with special ink or on special paper.
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Re: Show HN: Check Supply – Send Checks in the Mail
#18How common is check usage in the USA? Is it a daily/weekly/monthly/quarterly thing?
I would say approximately quarterly for me, maybe yearly. Some people only want a check, and also checks Just Work in a way that digital payments don't. Like, I can't use Venmo because they absolutely refuse to verify my bank account, so for anyone who takes Venmo or a check it means I need to pay them by check. It's uncommon, but common enough that it's still a basic part of being a functional adult.
Re: Show HN: Check Supply – Send Checks in the Mail
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Re: Show HN: Check Supply – Send Checks in the Mail
#20This is hilarious and wonderful, and attractive to boot. I wish you the best of luck.
I know that the big banks I use offer this service for free (as “Bill Pay”), but maybe there are also-ran banks that don’t? Or is the aim more to address the unbanked and fintech crowds: “Cash App us a lump of dollars and we’ll send it somewhere by check”?
You stoked my curiosity, and I looked around: at a glance, it seems like Chase, Bank of America, Wells Fargo, Capital One, and US Bank all include online bill pay (electronic if possible, with fallback to paper checks) as a built-in feature of their consumer accounts. It looks like weirder branchless ones like Ally, Neo, Chime, and SoFi do this too. Am I missing something that differentiates what you do from what they do?
I don’t mean this as a criticism, just a curiosity! History has shown there’s often more than enough room in the market for smart, reliable, attractive purpose-built tools, even when their function overlaps with incumbents’ notional features.