otherwise cashiers checks and personal checks even though cleared electronically can turn up bad paper
Huh? A cashier's check is issued by my bank, immediately withdrawing funds from my account. That's why it's so important not to lose one after it's printed....it's like cash. No risk to you in accepting one, which is why they are used when paying off a vehicle loan or at act of sale/closing on a mortgage. Just make sure you have my cashier's check in your hand before I have your bike keys in *my* hand!
I *never* suggested you accept a personal check, which is really nothing more than a promise to pay. Lumping these two things in the same category is a mistake.
While I mentioned EFT, I would prefer a cashier's check.
But I don't understand why anyone would tell you it makes any difference whether you tell me you bank account and routing information because we have the same bank, versus if we have a different bank. Either way, you told me your information...which is nothing more than I can get from the bottom of one of your checks or deposit slips.
You're an adult, you should do what you want, but you need to make sure you really grasp the details on these different payment channels.
