Clive writes:

In message , Stephen Sprunk
writes
At least in the US, pure ATM cards are getting rare; most have been
replaced by debit cards, which are usable in ATMs. And debit cards are
typically included with checking accounts, so nearly everyone has one.
Many people who previously used credit/charge cards for convenience (and
paid in full every month) now use their debit cards instead.
Indeed, now that banks in the UK have withdrawn the facility to use
debit cars as cheque guarantee cards, most firms will now only accept
payment by debit card.
Chequebooks are becoming a liability, soon as they are killed off (or at
least made optional) the better. They are used so rarely that loss of
one is not likely to be discovered for a very long time. Last cheque I
wrote, that wasn't for the cattery was years ago.

Phil