Not in the US they haven't. I've certainly watched it enough to know the hoops they can jump through, the long method: Check is scanned by a machine at the register and a modem or network check happens to make sure the account is in good standing, they get the person's id and write things down on the check from it and then ask for a phone number. Makes me appreciate self checkout a lot. Some times they just scan the check and give it back which typically confused the heck out of the person who just wasted 2 minutes filling it out.