For checks I think banks definitely do this as I've also had a similar call. But I guess it comes down to volume and logistics. When you write a check your bank receives the original or copy of the deposited check. Credit card receipts go to the card processor who then deduct it from your account. I write at most 2 checks/month. I run 10 transaction per day for my card.
Checks have very little metadata to help in identifying fraud. CC transactions have time, location, and behavioural patterns to aid in catching fraud.
Many banks in the US don’t get the original checks anymore. The deposits are done purely electronically, and the only thing the bank gets is a very low-res image of worse quality than a bad fax. And that’s all they store.
Checks have very little metadata to help in identifying fraud. CC transactions have time, location, and behavioural patterns to aid in catching fraud.