Stop using personal checks! Instead, pay by bank check from your own bank, which you can easily do online.
Personal checks take a lot more processing rigmarole for banks also. Even paying tax bills by credit card makes more sense.
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UPS will not insure a cheque... I ended up wiring funds to a relative as a gift after finding that out. No way I was going to send it through the mail.
It’s crazy that it’s come to this!