Back to the US banks being different then European to even Canadian banks..
US banks can't be closed for more then 3 days in a row because of the stock market crash in the 20's.
There are many us banking regulations that are in place because of money laundering, fraud, and theft etc
Also, FDIC (insurance on bank deposits) regulates how much an individual account is insured for ($250,000) because once again the crash of the stock market and the run on banks at that time.
There are many different types of paper check, personal, business, cashiers. And many ways to pay cash, check, debit, cc, money order, western union, moneygram, bank transfers, bill pay (which can be a paper check sent or a money transfer) direct debit etc..