It's simple: it's going from one bank account into a different bank account.
I do get the whole concept of transferring money from one bank account to another.
You ignored the rest of my response to snipe at me. Excuse me for answering your question as someone who actually experienced what you were asking about as both a witness to this kind of transaction from a similar small-sized nonprofit organization and as a recipient of a check from a nonprofit organization.
I wasn't trying to snipe - sorry if it came across that way. What I'm trying to say is that I understand the aspect that you're explaining to me. I've used nothing but purely electronic bank transfers in one form or another for many, many years now. It's the concept of conducting the transfer via a scanned piece of paper that is unusual to me. If you've got the tech to scan the cheque in, you've probably got the tech to skip the piece of paper entirely and lose literally nothing except a bit of extra headache.
I have a hunch that those aspects of the US financial system that are surprising & unfamiliar to non-USnians are maybe not the things USnians would assume to be uncommon & surprising to ppl outside the US?
I wouldn't be surprised to learn that differences in common practises wrt money transfer may have much more to do e.g. with differences in ID laws, and the practises & workarounds that result from those differences. I do admit that this is not what you'd call an informed opion, though!
Edit: I'm thinking about stuff like eg the fact that credit cards never took off in Germany the way they did in the US - IIRC that was not due a supply-side lack (ie German banks not offering them), but rather ppl not finding the product attractive or useful enough against the backdrop of the already existing ecosystem in Germany. Afaics, this factoid has vexed a lot of banking execs for something like three decades.
EditEdit: Also, IIRC, there's a difference between a check and a simple transfer in that in order to transfer, the issuer has to have advance information about the account information of the recipient. In countries where that situation is the norm wrt the most basic needed transfers (salary and/or transfers from government institutiona) checks would satisfy a need that doesn't exist, or isn't as pressing.
Like - I've never been in the situation wheregovernment, employer and insurers did not have my account details, so there was never any need to write me a check in order to get money into my hands.