Ordering personal checks or just replacing them with a debit or credit card is a decision you must have faced at some point when organizing your finances. There is a lot to consider when choosing between the two options, but it mainly depends on what you are going to use them for and which of them is going to save you more time, and preferably more money. Also, you need to consider the risks when using either of them, whether security risks or other risks that might arise from their usage.