"The restaurant has recently added a 3.5% charge to customers bills who use a debit or credit card. To avoid this fee you must pay by cash or check. So I had the waitress redo my bill that had the 3.5% fee and wrote a check that included tip in the total. I only had one customer receipt so I'm not sure how with a check they know what order it went with, what was the food total, and what was the tip for the waitress. Seems very inefficient to accept checks and process them. I am more apt to go to businesses that have the convenience of debit or credit cards without charging customers a fee. I have notified my Credit Union that more businesses are doing this and they might see a decline in debit and credit card usage. You would think a business could write the fee off as a business expense on taxes, but maybe it's not an allowable deduction, which doesn't make sense."