This past year all my accounts have gone over to the copies of the checks. Downside; all the information concerning when they were deposited by a bill collector is on the reverse of a check and mine come with only the front of the check showing. I've had late charges dropped on some bills in past where I was able to show it had a deposited stamp on it for the day due or sometimes one or 2 days before. Find the check, run it through the scanner, and email the copy to them. Now that's not an option, unless you go through a procedure to get a copy of the front and back of a check. Some banks may provide both, but even that isn't adequate. If your check is a color similar to the ink used, then a black and white, poor image quality copy may not even show the stamped mark. That's another gripe of mine, the poor image quality two banks have. Unfortunately I had to close the out of town account I had which gave good quality copies of the checks, but among 3 accounts I've not seen a single one that gives an image of the stamped backside of checks. Simply put, without that, there is no way to prove when a creditor deposited a check and if his late charge is valid and to disprove it when it isn't.
I guess I'm one of the few who uses checks for the majority of my trasnactions