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Joined: May 2002
Posts: 21,653
I have no life
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I have no life
Joined: May 2002
Posts: 21,653 |
Originally posted by frenchblueC2:
Maybe my head is just fried from my busy weekend, but I don't see what the problem is.
I've never gotten any of my checks returned to me in the 5+ years I've had my checking account.
My bank keeps an electronic (scanned) image of front and back of each of my cleared checks.
I have access to these images anytime I need them.
I have only needed to refer to them once to prove that I made a car payment.
I don't see how this new ruling would affect me, but that may go back to me going  while trying to read that article.
And from what I understand you will no longer have access to those images. ... I don't like that.
98.5 SVT
91 Escort GT (almost sold)
96 ATX Zetec (i brake to watch you swerve)
FS: SVT rear sway bar
WTB: Very cheap beater
CEG Dragon Run - October 13-15
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Joined: Oct 2000
Posts: 4,149
Hard-core CEG'er
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Hard-core CEG'er
Joined: Oct 2000
Posts: 4,149 |
Originally posted by Kremithefrog:
And from what I understand you will no longer have access to those images. ... I don't like that.
WTF? You need to change banks.
-- 1999 SVT #220 --
In retrospect, it was all downhill from here. RIP, CEG.
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Joined: Mar 2002
Posts: 631
Veteran CEG\'er
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Veteran CEG\'er
Joined: Mar 2002
Posts: 631 |
Quote:
And from what I understand you will no longer have access to those images. ... I don't like that.
I don't believe that will be the case with all transactions.
05 Legacy GT Turbo 5speed
99 SVT GRN/TAN (sold)
06 Ford Explorer EBv8
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Joined: Nov 2003
Posts: 3,115
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Nov 2003
Posts: 3,115 |
All the checks will be scanned and kept on a data base. The only difference is that you will no longer receive the original checks back. You can aways request a photocopy of the original if you need it.
"Eagles may soar high, but weasels don't get sucked into jet engines."
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Joined: May 2000
Posts: 4,899
Hard-core CEG'er
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Hard-core CEG'er
Joined: May 2000
Posts: 4,899 |
I don't get my checks back anyways. I just make sure my account is balanced both in my check book and online. No worries.
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Joined: Nov 2003
Posts: 3,115
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Nov 2003
Posts: 3,115 |
Originally posted by frenchblueC2:
I've never gotten any of my checks returned to me in the 5+ years I've had my checking account.
That is because you did not set up your account to receive the originals.
"Eagles may soar high, but weasels don't get sucked into jet engines."
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Joined: May 2001
Posts: 8,770
Smurfette
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Smurfette
Joined: May 2001
Posts: 8,770 |
Originally posted by TexasRealtor:
Originally posted by frenchblueC2:
I've never gotten any of my checks returned to me in the 5+ years I've had my checking account.
That is because you did not set up your account to receive the originals.
actually, no.
That was one of the features of the account when I opened it.
I actually thought it was a nice service offered by the bank because I have enough paper stored in my house and I don't need more. 
Kim
1995 Contour GL
Needs less "needs more"
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Joined: Aug 2003
Posts: 1,017
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Aug 2003
Posts: 1,017 |
or you guys could just get a check card and do away with the hassle.
1995 SE
2.5L V6/MTX
187k
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Joined: Mar 2001
Posts: 7,431
Hard-core CEG'er
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Hard-core CEG'er
Joined: Mar 2001
Posts: 7,431 |
I have a debit/checking account, the only time I write checks are for bills. I am happy to hear they will clear faster ... reason I like my debit card so much is because it withdraws or charges to the account immediately.
I am a victim of technology, rather than balance my checkbook I check my online banking for my history. When the funds clear faster I know better what I have in my account.
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Joined: Apr 2001
Posts: 1,228
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Apr 2001
Posts: 1,228 |
Unfortunately, I've had problems in the past. I've made a deposit on Friday, after business hours (after their cut-off for crediting deposits that same day), written a check later that same day, and because the deposit will not be credited until Monday, but the debit is listed on Saturday, my account has been overdrawn until I go in and show the bank that the funds really were there. I don't think the bank should be able to list a debit if they do not also list credits that same day. This seems unfairly biased against consumers and designed to extract fees from them.
95 Contour SE ATX V6- SOLD
2001.5 VW Passat GLX V6 Tiptronic
2004 Honda VTX 1800N1
There are no stupid questions.
There are a LOT of inquisitive idiots.
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