CURRENCIES Bite-sized information and inspiration for community bankers Back in 1979, checks accounted for roughly 86% In the Seventies, most people paid their bills by check, and banks needed to process all those physical transactions. Today's bank customers are increasingly using digital means to make payments. of noncash payments. Today, that number is closer to about 17%. Read about the law that innovated checks on page 11 Photo: H. Armstrong Roberts/ClassicStock/Getty Images independentbanker.org Q 9http://www.independentbanker.org