I'm in the US and I've never written an actual check in my life (did write some fake ones in consumer economics class in high school though). For transferring money between friends, just use venmo or zelle.
The ability to limit the frequency and amounts of direct payments. Pay for cable with direct deposit? Why allow the company to debit more than a hundred a month?
You miss Banks giving you virtual on demand credit card numbers for free, not as a service you have to pay with another company.
You miss by having anything years later than everywhere else, like nfc payments and contactless card payments. I had people think I was insane 2 years ago for paying with a contactless card. Many would think I was defrauding them in some way. This was in large cosmopolitan cities. Not the sticks.
You miss free transfers without the ridiculous low amount limits Zelle has and no restrictions on whether the recipient is a business or not.
You miss the ability to have all direct debits initiated by you on your home banking. Meaning someone having your account number is never a real issue.
What awesome features am I missing out on?