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It is not often that you write a personal check nowadays – many homeowners use online rent payment systems, and it is easier than ever to pay your utility bills by the same amount. intermediary of your bank. In addition, there are many money transfer applications that make it easier than ever to split restaurant bills or Lyft trips without the need for cash.
While there are situations in which checks may be useful, regardless of your degree of sophistication, but money transfer applications can do the job of a personal check with much less hbadle and time.
When looking for ways to pay your bills and transfer money to other people, consider the following options:
Chéquier.io
Checkbook.io is an alternative to the digital checkbook that replaces the act of writing and sending paper checks by simply exchanging e-mail. The best part is that neither the sender nor the recipient of the "check" needs to sign up for a service to begin with and neither of the parties sees the financial information of the client. other. Checkbook.io is also free for consumers and inexpensive for businesses, for a fee ($ 1 per check) instead of the traditional percentage of each transaction.
You can use Checkbook.io to pay bills or send payments of more than a week to 24 hours, although the app also has an "instant payment" feature. Funds can be deposited directly into any bank account.
Zelle
Zelle is a fast and easy way to send money to individuals and businesses via your bank or the online application of your bank. You can start by registering with Zelle using the help of your bank's app or Zelle's website, and use the app to send money from your bank account to almost everybody. Keep in mind, however, that the person to whom you are sending money will also need to register with Zelle to accept payment.
Zelle is free to use for senders and recipients, so it's a benefit. But some recent reports have shown that Zelle is being used by fraudsters because money transfers are one-way and non-refundable. Before sending money with Zelle, make sure you know and trust the person on the other end.
Venmo
Venmo is yet another useful application that allows you to transfer money to other people or to shop with selected retailers. Once you register, you can use the app to pay people or merchants with the money you deposit on your Venmo account or badociate a bank account for transfers from your bank.
Venmo has become an extremely popular option for people who want to share dinners or taxi rides with friends or borrow and pay back money with just a few clicks on their smartphone. However, you can also use Venmo to order food or buy online from selected merchants, as millions of websites allow you to choose Venmo as a payment option.
Although Venmo is free when you use your balance, your bank account or a debit card to make a payment, a 3% transaction fee applies when you make a payment with a credit card.
Pay Pal
Finally, let's not forget one of the first players in the world of mobile payments – PayPal. On a personal level, PayPal allows you to transfer and receive money online or using its mobile application. You can also make purchases using PayPal with approved merchants, and you can link your account to a credit or debit card.
PayPal also offers its own credit and debit Rewards cards, which integrate seamlessly with the app for easy transfers and purchases. PayPal credit cards, including PayPal Cashback Mastercard and PayPal Extras Mastercard, allow you to earn rewards for every dollar you spend.
Unfortunately, PayPal is not always free. You can transfer money to your family and friends using your balance and receive it for free, and the use of PayPal for the purchase of goods and services is free. However, you will pay a fee of 2.9% + $ 0.30 for other transactions, such as accepting payments from one of your independent clients.
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