I am amazed at all the people who do balance their checkbooks every day, every transaction. Yes I do reconcile our accounts once a month, but my husband and I rarely use checks and as there are 2 people using the checking account. we more go by an organic, what's the level in checking and go by that. Also if I have excess in checking I may transfer more to savings. So this would definitely annoy me, having to keep a mental note of deducting that amount until it is processed.
Way back when, when transactions were done more by checks, our landlord said didn't get our check. So I went by office to give them another check, and had them swear not to deposit "old" check if it ever showed up. Needless to say they then deposited both checks and got fees from our bank. I'm really glad of the instant or close to instant electronic debits, and not needing to drop off or mail physical checks for 95% of bills.