I'm in a larger chapter and we have a mix of both. Each season, I usually have 1 school that something happens and a check is delayed, but I also usually have a delayed payment in Arbiterpay as well. Agree, EFT is easier than depositing a check, but with mobile banking apps now I can deposit a check in less than a minute from my home. I still have to login to Arbiterpay to make an EFT transfer (I do not select their extra fees to do it automatically) so I consider them all about equal. My humble opinion.