1.   By BARBARA HEMPHILL Frequently people spend more time debating whether to postpone paying a bill than writing the check.

2.   Check writing is not limited to financial companies.

3.   Moreover, shareholders will pay for services like check writing and wire transfers.

4.   TeleCheck tracks check writing, which accounts for about one-third of retail spending.

5.   The accounts consolidate personal finances and offer check writing and debit cards.