I didn't use counter checks where I lived. My roommate came from a town where everyone knew everyone and they did have those checks. I didn't have a debit card until many years later. I'd go to the drive through teller to deposit paychecks and get cash-back to last me until the next time. In high school it was simple - I didn't have money. One of the jobs I had payed cash every week, the other paid by check and I'd stop by the bank on the way home to cash it.