Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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Get a free checking account at the issuing bank. Pay some bills there, transfer to your main or new bank. Paying $5 every 2 weeks adds up quickly too.$120 a year is something you could be spending...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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22 Replies
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There is this little gem called "credit" and the OP wouldn't have to wait in line for cash. Honestly his situation is completely avoidable w/o the hassle of changing banks.
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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I don't use Chase for banking, so I'm not sure about their policies. But with my bank (BB&T) the same-day cutoff time for ATMs vary wildly, and are determined by the branch. For example, the bank...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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These are nation-wide policies. Some accounts offer additional funds available immediately (Private Client) and some offer lower (such as the account they offer for those with bad credit /...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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Depositing your paycheck at the ATM is probably holding you back from cashing out your check faster. Go to the bank on Monday and tell them that its your paycheck. Usually they'll make the funds...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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22 Replies
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i usually have this problem when its came to money issue. Its either you had been (-) amount money in your bank in the past or you dont have a good relationship with them. But guess what ? if you do...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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Yup again this option - dump your bank & find a credit union that doesn't have these silly rules. My CU will cash checks immediately - no depositing, no fees, no waiting period. Hand them a check,...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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22 Replies
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I'd ask someone at Chase why your funds availability is skewed.
Their policy is that $200 is available instantly after the deposit and that the balance of the check is available the following day...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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Direct Deposit must be initiated by the employer, as far as I know. It's actually a service which the employer must pay to use, from what I've gathered, so I guess it makes sense for companies to...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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First, I have direct deposit.
However, I do deposit checks every so often at my bank. My bank, BB&T, has always cleared the check by either the next day - assuming I deposit it prior to the 4PM...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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Isn't it obvious? He is trying to get the fund immediately, so he wants to cash the check.
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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Instead of wasting your time at the bank/ATM why not just deposit the check using your phone? Chase and maybe Bank of the West have free Android/iPad/iPhone applications that allow users to take...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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Research some local credit unions. I'm a Branch Manager of one and we are much much easier to deal with when it comes to checks (at least where I'm from). We don't have a 2:00 PM cutoff and if you...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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First of all, this post is is 40% asking for advice, and 60% ranting, so take the following with a grain o' salt.
So, when did it become so difficult/expensive to get access to your own money?
...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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An employer may pay wages by direct deposit, so long as the employee has voluntarily
consented to the deposit and the wages are deposited into a financial institution of the
employee's choosing
...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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talk to ur banking manager they can probably do something for u if u go there alot.
My dad's bank waive fee for him all the time.
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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Most banks around here will give you access to PAYCHECK (only) deposits immediately and not impose a waiting period. Perhaps you should look to another bank. It also sounds like your employer is...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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Regarding your latter comment, I agree wholeheartedly.
A long time ago, I worked briefly for a company that turned out to be very shady. They paid via checks only, but half the time, half of them...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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While "credit" could certainly help in this case, this isn't necessarily the perfect solution for the OP.
1) Maybe he has no/bad credit, and can't float the bills. While this could be due to his own...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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Remember even if a bank is open on Saturday and Sunday, the fed is not, so the check clearing house is closed. If checks are not intrabank there will be a wait during this time. It's normal and no...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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what are you talking about? How do you use credit card to pay rent? credit card bill? Also who said anything about changing bank?
Honestly he will be able to cash it. So I have no idea why you...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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22 Replies
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Take dshelbyjr's advice and fire both of your banks.
Open an account with a credit union or a small, local, community bank where you can meet and talk with the president of the bank. You'll be...
Cashing Checks?
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Thread created 07-20-2012 by xerostatus
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22 Replies
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^ That seems frightening... Luckily, the issuing bank isn't shady, just lacks branch locations aside from areas which contain their core demographics. The bank mostly serves areas with Asian folks,...
