I've been an REI member for 40 years or more.  I am buying VERY few significant items at REI any more.  I used to buy gear for my Sea Kayaking, camping, and outdoor clothing.  Now I look at REI but buy elsewhere for big items.  I use credit cards for bill paying and on-line purchases, but I use my checkbook for my recreational spending.  I haven't bounced a check in 50 years, and REI has all my contact information so if I WERE to bounce a check they could certainly find me.  Sportsman's Warehouse has gone to the "No Checks" policy too and I haven't purchased any item over about $10 there in over a year.