Which of the following statements is true about checks?

Checks can be considered more secure than cash because they require the payer’s signature and can only be cashed or deposited by the intended recipient. Since checks can be traced and have a clear record of the transaction, they provide an added layer of protection against theft compared to cash, which can be lost or stolen without any record of the transaction.

The other choices present various misconceptions. Checks can be canceled under certain conditions if they have not been cashed, though there may be fees involved. Using a check does not necessarily require a bank visit; checks can be written from home and sent via mail or deposited using mobile banking apps. Additionally, while some checks may be free depending on the type of account or bank policies, many checking accounts do charge fees, particularly for features like overdrafts or external checks.