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It's been a while since I tried to use an out-of-state check, but it used to be next to impossible. Don't internet banks have the same problem? Or has electronic check verification eliminated the worry about out-of-state checks?
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My experience is that it is YOUR address, not that of the bank, that is examined to determine whether your check is "out of state". I have never been turned down in local stores that accept local checks only, and my bank is WAY out of state. Be at ease.
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As far as bank-to-bank, or bank-to-bill payee checks go, that has never been an issue for out-of-state check rules.
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...out-of-state check...


It's your local address that matters, not the address of the bank.

Why do you care anyway? Internet banks all give you a Visa/Mastercard debit card that takes the money right out of your account just like a check. So why would you go through the hassle of writing the actual check and having them ask for your ID?
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