Cheque writing is a thing of the past in Germany, where money is almost always transferred electronically; Internet banking is highly popular. Commerce is solid, trade environments tend to be more stable than elsewhere.
Merchants and consumers alike still tend to be weary of credit cards, though they are far more widely accepted today than a few years ago. Some set a minimum limit.
Instead, debit cards are often the preferred form of payment, though most minor transactions are carried out in cash; ATMs are naturally everywhere and practically all Germans have one or more bank accounts.