I like paying in the store with a debit card because I can keep better track of my money. By the time I am back from the store the transaction is recorded on line. I know exactly how much I have. And it is free through E-trade.
As far as pay by check. Why be pizzed off at the check writer?? If the lines are long and you are getting upset, vent yourself to the store manager who's job it is to make sure there are enough cashiers to handle the business in a timely matter. Don't rush the little old lady so that WalMart can make a bigger profit.