Which of the following is a direct benefit of using E-checks from a consumer perspective?

Using E-checks offers consumers lower payment processing costs, making this option particularly advantageous. E-checks allow for direct transfers from a consumer's bank account to a merchant's account without the need for physical checks or credit card transactions. This streamlined process typically incurs fewer fees than traditional payment methods, such as credit cards, which often involve merchant fees that can contribute to higher costs for consumers.

Additionally, by utilizing their existing bank accounts, consumers can avoid some of the interest and fees associated with credit card transactions or payday loans. Therefore, this cost-effectiveness is a significant reason why many consumers opt for E-checks over other payment methods. Furthermore, the convenience of electronic transactions and the instant nature of E-check processing can enhance the overall consumer experience, aligning with the interest in saving money.