Ever used a cheque? Majority of us have had. But what for those who have never used a cheque ever? They are surviving good as well. The question is how they are surviving when cheques were an integral part of our payment structures. The answer is they are shifting to ATM cards and online backing. Most of the banks today have already shifted to the online system and people can use the internet and the web portal provided by the bank to make payments. Needless to mention that the online system does not make us wait until the cheque gets cleared from the bank.