That's a very loaded question, some people swear by them and others curse them. Its all in the execution and the marketing strategy you employ i.e. target marketing or offering a niche product to the masses.

I personally do not like the fake check campaigns, too many a-holes call wondering why they couldnt cash their $250k check as if they just won the publishers clearing house contest lol. Better yet, I have had bank tellers call me wondering the same thing.