I don't know. Check was a good idea for me. It's not that hard as it seems to be. First I didn't know how to use it as well, but it took me like 5 minutes to get it. That time I only had the name of my bank, but just googling the info I found out all the necessary details. So you need to have only routing number, account number and check number to pay whatever you need. If you don't know on of the codes it's easy to find. For example 31100209 is a number of my bank. Just going to the site and entering the name I could find it. Account number should be somewhere on the documents. And number of the check that's the thing only you can know. So good luck if you choose this way.