In reply to Buttery Fingers.

Well let's see Credit / Debit Card Market moves roughly 1 trillion give or take a year and the checking industry moves 44 trillion. Think about this everyone in the USA gets paid with checks for their job. More people have checking accounts in the USA then credit cards. Also credit card market is over saturated and ACH (Automated Clearing House) is out dated and charge merchants way too much at the register (2.5 to 3.5% at register for total cost of the sale) ouch that must hurt margins a bit! Also ACH / credit cards can take up to 3 to 5 days to clear and are subseptable to fraud i.e. look what happened to Target. Check 21 law allows for same day or instant payment guarantee and also not subseptable to NACHA and ACH rules or fees. HMMM pretty sure merchants will be choosing the option that is more secure and saves them money. Also there are a lot of companies that may be infringing upon MyEchecks patent for the digital check so watch out.