@JPB,
JPB wrote:But something about this troubles me. I just don't know what that is.
I think you've made it pretty clear that you don't like change, and this is change.
Debit cards have been the standard here for around 20 years. I don't think I know anyone under the age of 80 who uses cheques regularly, and even those folks use debit cards more often than they write cheques.
Canada was behind much of Europe on this, and the U.S. is a beat and a half behind us.