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(Sun Sentinel)   Wait, people still write checks? HA HA HA HA HA   (sun-sentinel.com) divider line 300
    More: Fail, insufficient funds, electronic payments, ha-has, Pembroke Pines, Girl Scout cookies  
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19798 clicks; posted to Main » on 19 Feb 2012 at 3:14 PM (3 years ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-02-19 04:00:53 PM  

breadman: I'll assume subby doesn't own a home. I paid my down payment with a cheque


I will assume you are ignorant of the fact that there are other ways to do this. I paid my down payment by certified check from the bank. Yes it is still a check but I don't write checks.
 
2012-02-19 04:01:13 PM  

WI241TH: When a company makes you pay a $2.50 convenience fee online over $0.44 for a stamp I'll write a check


It is against the Merchant Agreement for any company to charge a "Convenience Fee". It may also be illegal depending on the state you live in, California for instance. Report the company to the CC company and/or State Attorneys General.

Visa Rules and Laws by State (new window)
 
2012-02-19 04:01:26 PM  
There are a lot of old people in my neighborhood, so I'm behind someone writing a check at the grocery pretty regularly.

Damn them.
 
2012-02-19 04:02:06 PM  

casual disregard: FTFA: "I use checks because I want a paper trail," said Charles Poole, 52, who works in a Fort Lauderdale store. "I don't trust putting my information on the Internet."

I have nothing personally against Mr. Poole, but I seriously cannot wait until that generation dies. Goodbye, technophobes.

/i'll miss my grandparents
//won't miss troubleshooting their computers


ben.kirman.org
 
2012-02-19 04:03:37 PM  

Lance Russell's Nose: FTFA: "I use checks because I want a paper trail," said Charles Poole, 52, who works in a Fort Lauderdale store. "I don't trust putting my information on the Internet."

His checks have his bank's routing number, his account number, his name, his address, his phone number, and probably his Social Security number on them. A check is a dream come true for an identity thief. Several people will handle his check from the time he writes it until the time it is either destroyed or sent back with the rest of his cancelled checks.


I've always found this line of thinking odd, outside of the security factor, in that in that credit card/online payments still leave a trail as well.

also, those citing writing a check for rent seem to be somewhat missing the point of TFA: You are writing 1 check once a month; even then, you are still in a shrinking market. Do you use them for groceries as well?
 
2012-02-19 04:03:57 PM  
I used to use automatic payment, until my health insurance decided to take out a payment 3 times the normal size one month. Of course, no single payment option was available for plastic numbers. So I pay by check. If that's too expensive for businesses to deal with, I'll mail cash.
 
2012-02-19 04:05:00 PM  
I have never written a check in my whole life, but sometimes I did have to write a cheque.
 
2012-02-19 04:06:33 PM  

AirForceVet: BFD. I do because I prefer to. I don't fully trust electronic transfer, ESPECIALLY the automatic payment ones.


So you fully trust giving your checking account number to everyone you write a check to (along with anyone else who may see the check)?
 
2012-02-19 04:06:57 PM  

Bathia_Mapes: We have to pay our rent via check or money order. There's no option for paying with a debit or credit card.

However, payments to NW Natural Gas & EWEB are made online, though we've been considering paying the gas bill with a check or money order to avoid the $3.95 fee charged for paying online.


DON'T USE THEIR ONLINE PAYMENT SYSTEM! Use your bank's bill pay...and there will be no $3.95 fee...
 
2012-02-19 04:07:08 PM  
I write 12 checks a year. Rent, it is the only thing I pay for with check.
 
2012-02-19 04:07:08 PM  
Whenever I stop and consider that people still use checks (or, indeed, that there are places that still allow them), I become incredulous. It's just such an archaic form of money transfer. And it's not like I'm someone in my 20's who never used a checkbook. Just that I haven't seen them in a decade.

Oh, well. I'm sure the ability to still write the things makes up for all the fees and other shenanigans.
 
2012-02-19 04:08:01 PM  

cman: I haven't written a check since 2008

My landlord takes cash and I use plastic for everything else


www.wouldnotbuythis.com
 
2012-02-19 04:09:37 PM  
xl5150
Trocadero:Who is paying an extra fee for their electronic bill pay? The insurance company, utilities, etc don't want to pay to process the checks either, so they let you pay e-bills, no charge. I forget who it was (some insurance company) actually adds a surcharge if you pay by paper check.

That's what we were bemoaning. My electric company, gas company, and water company all charge a $5 convenience fee to use electronic bill pay, even though it's in their best interest to have it done.


See, here in socialist Germany where we have regulations that force companies to actually compete, both my electric and gas companies have special "Internet plans" where you do everything online and pay less than you would do in their other plans.
They kind of have to to stay competitive because there are price comparison engines for utilities where you enter your expected monthly usage and they compare the plans of hundreds of companies for you.

The only time where I've seen someone charging you for the convenience of saving them money by doing things online is a cinema (movie industry; go figure) that has a website where you can select your seats and print the tickets yourself at home (only: those tickets actually require a whole page for each ticket - a whole page full of ads and coupons to make you buy their overpriced popcorn and drinks. Somewhere in between is a barcode that's the actual ticket).
I was 50-50 on that. Well maybe 40-60 against.
I was pissed because of the extra fee for doing their work and being forced to waste ink and paper to print for all those ads and coupons.
Then again, it actually is a convenience because you don't have to stand in line at the overcrowded ticket counters, but can walk right in.
This isn't something to underestimate because if the movie is scheduled for 8 pm, it'll actually starts some time between 8:45 and 9 because that place usually shows 30-45 minutes of ads before it moves on to 10 minutes of trailers and at some point, finally, the movie.
So printing the tickets and coming later can save you about 45 minutes of sitting through ads which can certainly be worth the extra 50 Cents or whatever it was 3-4 years ago the last time there was a movie that might have been worth watching.
 
2012-02-19 04:09:48 PM  
I'll assume subby doesn't own a home. I paid my down payment with a cheque and I just wrote one for 40k recently for renovation.

My down payment was electronically transferred from the bank, I pay for renovations with my credit card (which I then pay off by electronically transferring money from my checking account).

// getting ready to get some floors tiled
 
2012-02-19 04:11:02 PM  
But others are wary to give up checks. Some senior citizens are unfamiliar with computers. And there's concern over privacy and potential fraud, as more payment-related information goes digital.

As opposed to paper checks, which are one-stop shopping for all the information needed to get money from your account.

"I use checks because I want a paper trail," said Charles Poole, 52, who works in a Fort Lauderdale store. "I don't trust putting my information on the Internet."

Because there is no record of electronic deposits?
 
2012-02-19 04:11:02 PM  

cman: I haven't written a check since 2008

My landlord takes cash and I use plastic for everything else


The only reason I write checks is my landlord.

The apartment complex charges a $25 surcharge to use plastic, doesn't want cash, and it's a PITA to get a money order and they only go up to $500. . .so I have a checkbook that I use only once a month for the rent.

Everything else is direct debited, or paid for with a debit card.

I'm really looking forward to when I can afford to buy a house (when I'm eligible for VA loans in a few years), because I bank with USAA and I not just have the mortgage direct debited, I can manage the whole account online.
 
2012-02-19 04:12:25 PM  

Darkrover2: Only the old ladies in front of me in the checkout line. Especially it's the express lane.


Had one of these lovely ladies in front of me in the express line just yesterday. I had two things to purchase. At least fill out the store name, date, and signature while you're waiting in line. She used the time to read tabloid mags.
 
2012-02-19 04:15:47 PM  

WI241TH: When a company makes you pay a $2.50 convenience fee online over $0.44 for a stamp I'll write a check


In contrast my business gladly accepts checks. Paying 3% no matter the size of the purchase to accept credit cards when their transaction cost is way under a penny rubs me the wrong way. Never had a check returned for NSF in 6 years, either (knocks on wood).
 
2012-02-19 04:17:01 PM  
Paying with spiders is better.

i0.kym-cdn.com
 
2012-02-19 04:17:03 PM  

Airportmatt: Avocados!


No, it's true!
 
2012-02-19 04:17:05 PM  

AntiNorm: I only write checks for two things: My rent, and my rigger (reserve parachutes have to be repacked by a rigger every 180 days, per FAA regulations).


At least they finally got it changed. It used to be every 120 days which was ridiculous. Seemed like all the tandems and student rigs would come due on Friday afternoons before a big weekend which was always freaking lovely. Hell, with the 180 day cycle I don't even "pencil pack" my personal rigs anymore.
 
2012-02-19 04:17:06 PM  

Torgo_of_Manos: My lawn guy and my garbage pick up only take checks...
kind of annoying but, this is SC, what can you do?


GTFO of SC.
 
2012-02-19 04:17:33 PM  
BOOGIE CHECK BOOGIE CHECK OHHHH AHHHH!
BOOGIE CHECK BOOGIE CHECK OHHHH AHHHH!

Sing it and win!

John "Records truly is my middle name" Landecker (new window)

/The Big 89 WLS
 
2012-02-19 04:17:49 PM  

BurnShrike: Paying with spiders is better.

[i0.kym-cdn.com image 450x287]


BWAHAHAHAHA
 
2012-02-19 04:19:07 PM  
I can't stand the credit card and debit card users who wait until the last item is scanned before they swipe their card - usually twenty and thirty somethings who perceive themselves as trendy and with it! As soon as the first item is scanned I will swipe my debit card and select which options (cash back) I want. As soon as the cashier finishes scanning, my receipt is printed and I'm ready to leave. I can't stand the f*ckers who think it's cool that they're using a card but still can't figure out how do perform the transaction quickly. I would almost rather be behind a gray-headed elderly person writing a check - at least they have an excuse for slowing up the line!
 
2012-02-19 04:20:22 PM  
The occasional contractor. If I can't get a cash discount, anyway.
 
2012-02-19 04:20:47 PM  

Winston Smith '84: I can't stand the credit card and debit card users who wait until the last item is scanned before they swipe their card - usually twenty and thirty somethings who perceive themselves as trendy and with it! As soon as the first item is scanned I will swipe my debit card and select which options (cash back) I want. As soon as the cashier finishes scanning, my receipt is printed and I'm ready to leave. I can't stand the f*ckers who think it's cool that they're using a card but still can't figure out how do perform the transaction quickly. I would almost rather be behind a gray-headed elderly person writing a check - at least they have an excuse for slowing up the line!


I've never seen a machine that will let you swipe your card before the cashier rings up the total and selects "debit" on their register. I would love if I could do all of that while she's ringing things through.
 
2012-02-19 04:20:47 PM  

DLinds: We should be allowed to taze anyone (though it's only middle aged or old women) who write checks in a store line.
They act like they're surprised that they are in the check out line and shocked that they have to pay for the stuff in their basket.
Use cash or a card, have it in your hand when you reach the check out, pay and get the heck outta my way.


either troll or overblown sense of self entitlement

/not sure

Cheques (that is how it should be spelled by the way) are a valid form of payment - bank note. And though I use my bank card nearly everywhere...for some reason my state DMV demands that I use a cheque to re-register my vehicle. They probably want the paper trail. Also if you are conscious about writing a cheque then all you have to do at the counter is whip it out...fill in the amount and hand it over. It isn't that hard to be prepared.

get over yourself plz
 
2012-02-19 04:20:49 PM  
It's weird. I can remember when most people going through the checkouts in the grocery store paid by check, except for the few who paid by cash. Now, if there's anyone in front of me writing a check, it seems to take F-O-R-E-V-E-R.

What doesn't help:

1) The people who are really proud of their penmanship, and very carefully write everything in. VERY carefully. Very SLOWLY and carefully.

2) The fact that the farking stores are obviously trying to discourage them, by putting them through some kind of cancellation machine, then asking to see the driver's license. OMG, get it done while I'm still alive!!!

3) At least half of check writers have to BALANCE THE farkING THING before they take their groceries and go. Next month: doing taxes in the checkouts.

4) There's worse. Yeah, there's actually worse.....and its some people who pay in cash. Ever get in line behind Exact Change Harry / Harriet? They can't just give the cashier a wad of greasy bills, take their change and go. Oh fark no. No way. They have a CHANGE PURSE, and will root around in it looking for exactly the right combination of pennies, nickels and dimes to get it done.

Just shoot me. Now.
 
2012-02-19 04:21:17 PM  

basemetal: I miss the days when you would see bad checks posted at the checkout of your favorite diner/breakfast place. living in a smaller town, it was funny to see people you knew up there.

/public shaming was funny
//but people have no shame anymore


o.onionstatic.com
 
2012-02-19 04:21:57 PM  

Winston Smith '84: I can't stand the credit card and debit card users who wait until the last item is scanned before they swipe their card - usually twenty and thirty somethings who perceive themselves as trendy and with it!


At the grocery store I go to, you can't scan your credit card until everything is tallied up. The swiping machine has a "Please wait for cashier" message on it as everything is being scanned, and once everything is done the cashier pushes a button on the register, all the taxes and discounts are computed, and then it changes to "Please swipe card."
 
2012-02-19 04:22:19 PM  

MajorityWhip: WI241TH: When a company makes you pay a $2.50 convenience fee online over $0.44 for a stamp I'll write a check

It is against the Merchant Agreement for any company to charge a "Convenience Fee". It may also be illegal depending on the state you live in, California for instance. Report the company to the CC company and/or State Attorneys General.

Visa Rules and Laws by State (new window)


It's also against the MA to demand ID. The signature on a MC or V indicates that the named card holder has agreed to the T&C of the cardholder agreement -- not for ID purposed.

V and MC are "bearer instruments" and once signed can be presented to a merchant by anyone, your spouse or child for example. AMEX on the other hand is non-transferable and can only be used by the named cardholder and thus an ID check is reasonable.
 
2012-02-19 04:22:40 PM  

Phoenix_M: You must be under 25, the guy's 52 not 82.


I'll very soon be 30, but I guess that's still "young" to the near-deads.
 
2012-02-19 04:23:37 PM  
Here's the newest problem I'm facing with checks. I expect to write less than 50 checks for the rest of my life. Yet, it's impossible to order less than 150 of them. In fact my bank didn't offer packages of less than 300; I had to go to a third party check printing place just to get a package as small as 150.

So I guess I'm set for life, but everyone else will be carrying around stacks of unused checks forever. Kinda sad.
 
2012-02-19 04:23:54 PM  
I use checks for some stuff and electronic payments for others. I can't keep farking track of all my damn online accounts and passwords so stuff that can stand to be paid in the mail, I pay through the mail.

I don't make any automated payments because of horror stories I've heard of credit cards quietly tweaking their due dates, so you pay late and then your credit and APR go to hell in a handbasket. Plus some things I can afford to pay more, in some months. Anyway, I like the control.
 
2012-02-19 04:24:06 PM  

Winston Smith '84: I can't stand the credit card and debit card users who wait until the last item is scanned before they swipe their card - usually twenty and thirty somethings who perceive themselves as trendy and with it! As soon as the first item is scanned I will swipe my debit card and select which options (cash back) I want. As soon as the cashier finishes scanning, my receipt is printed and I'm ready to leave. I can't stand the f*ckers who think it's cool that they're using a card but still can't figure out how do perform the transaction quickly. I would almost rather be behind a gray-headed elderly person writing a check - at least they have an excuse for slowing up the line!


If this 12 second delay annoys you as much as your post makes it seem, you need to switch to decaf.
 
2012-02-19 04:24:08 PM  

TDBoedy: Cheques (that is how it should be spelled by the way)


If you're a pretentious douchebag who likes to make yourself "exotic" by acting like a Hoser. Do you also insist that it MUST be spelled "colour" to make yourself seem even more deep?
 
2012-02-19 04:26:49 PM  

casual disregard: Phoenix_M: You must be under 25, the guy's 52 not 82.

I'll very soon be 30, but I guess that's still "young" to the near-deads.


That is still young. Enjoy it. I am, and i'm older than you.
 
2012-02-19 04:27:18 PM  
I just ordered new checks this week. They will last a long time because I only use them at the grocery store ( Not a pain in the ass. Everything is filled out exept the amount.) I also use at Rite Aid. You don't have to fill it out. Only sign your name. So no difference than a credit card.
 
2012-02-19 04:27:41 PM  

jst3p: Winston Smith '84: I can't stand the credit card and debit card users who wait until the last item is scanned before they swipe their card - usually twenty and thirty somethings who perceive themselves as trendy and with it! As soon as the first item is scanned I will swipe my debit card and select which options (cash back) I want. As soon as the cashier finishes scanning, my receipt is printed and I'm ready to leave. I can't stand the f*ckers who think it's cool that they're using a card but still can't figure out how do perform the transaction quickly. I would almost rather be behind a gray-headed elderly person writing a check - at least they have an excuse for slowing up the line!

If this 12 second delay annoys you as much as your post makes it seem, you need to switch to decaf.


I think he is mocking the people who complain about people who use checks because having to stand in a line is too much of an inconvenience.
 
2012-02-19 04:29:22 PM  

thamike: casual disregard: Phoenix_M: You must be under 25, the guy's 52 not 82.

I'll very soon be 30, but I guess that's still "young" to the near-deads.

That is still young. Enjoy it. I am, and i'm older than you.


I'm both just over 30 and also near-dead, and my advice to both of you is to enjoy it because you never know when you'll get bad news and end up looking back wishing you'd made more of the time you had.
 
2012-02-19 04:29:28 PM  

vartian: SilentStrider: Once a month, for rent.

Same here. You know what truly freaks me out, though? The only time I ever write anything, or hold a pen at all, is to sign my name. Birthday cards, checks, and that's it. Anything else goes into my laptop, iphone or iPad. I tried to write a paragraph in cursive the other day and it felt like trying call up an ancestral language from my very bones.


Yeah, I've given up on writing cursive. I've used it so seldom that I can't comfortably write it anymore. I do use pens on occasion still but not often. Phone messages normally go on paper and sometimes just general notes do also. If I'm trying to work out some math it's generally easier on paper, especially if there is geometry involved. (Yes, the computer has a calculator. Calculators don't do algebra or higher stuff.) Then there's forms. Doctors practically want you to fill out a book before they'll do anything. Only once have I seen that done electronically rather than on paper.

HawgWild: I just put a down payment on a new car yesterday, and I wrote a check.

/largest check I've ever written
//'scuse me, I need to go drive somewhere
///who cares, anywhere!


Yup, that's the second biggest check I've ever written. (The biggest was when we did a IRA -> Roth IRA conversion and got hit with a big estimated tax payment as a result.)

thelordofcheese: A check is more secure than cash in some instances, and more portable than a farking piece of plastic that needs a computer to work.

/cashier's checks FTW


It also leaves a paper trail. For example, the professional association my wife belongs to. It's very small (it's reason for existence is to organize a continuing education class, it does very little beyond that) and most people pay the membership fee at the meeting that's normally held in January. As it's a Schedule C expense for her we of course use a check.
 
2012-02-19 04:29:57 PM  

xl5150: TDBoedy: Cheques (that is how it should be spelled by the way)

If you're a pretentious douchebag who likes to make yourself "exotic" by acting like a Hoser. Do you also insist that it MUST be spelled "colour" to make yourself seem even more deep?


Uh, no. Just because Canadians spell cheque correctly does not mean that the word was derived in Canada. We're simply copying the English. You know, the ones whose language we speak? Well, *I* do.

The US is unique in its corrupted spelling of the word.
 
2012-02-19 04:31:00 PM  
I have to pay Harley-Davidson by check because the dirty rotten bustards charge a "convenience" fee, which I call a farking penalty, for making the payment on-line. So they have to hire a human to open the envelope, take out the check, put all checks together, stamp them and take them to their bank.

Morons.
 
2012-02-19 04:31:17 PM  

Egalitarian: I use checks for some stuff and electronic payments for others. I can't keep farking track of all my damn online accounts and passwords so stuff that can stand to be paid in the mail, I pay through the mail.

I don't make any automated payments because of horror stories I've heard of credit cards quietly tweaking their due dates, so you pay late and then your credit and APR go to hell in a handbasket. Plus some things I can afford to pay more, in some months. Anyway, I like the control.


Set up your auto pay for 3-5 days prior to the due date. Then double check the day before/of to make sure it has gone through.
 
2012-02-19 04:31:33 PM  

Loren: The biggest was when we did a IRA -> Roth IRA conversion


Just curious, why?
 
2012-02-19 04:32:36 PM  
The only way United Water in my state accepts electronic payments if you sign up for auto-pay, which I refuse to do. So they get a check from me. I hope it costs them more money to process it.
 
2012-02-19 04:32:43 PM  

rebelyell2006: casual


There's no anger or malice in what I think. I will patiently wait behind a person writing a check. I will patiently wait for all delays. I'm the kind of person who instead of becoming angry becomes sad.

I just find it outdated. Might as well mimeograph your freshly written check for posterity, and then you can board your sleigh and wield your buggy-whip on your way back to work at the print-press.

aerojockey: So I guess I'm set for life, but everyone else will be carrying around stacks of unused checks forever. Kinda sad.


Checks aren't the only thing over which we trip. Schools have recently started to refuse donations of computers. The Military Order of the Purple Heart recently handed me a flyer asking for gently used clothing, but a note at the bottom indicated that they now refuse monitors and televisions. We now live in a society where most hand-me-downs are refused. Too many checks? Come on, that's not a real problem.
 
2012-02-19 04:33:07 PM  
Well yeah. Not everywhere takes cards in all situations and I want a record beyond a hand written receipt.

/subby sounds retarded
 
2012-02-19 04:33:21 PM  

Darkrover2: Only the old ladies in front of me in the checkout line. Especially it's the express lane.


I share your pain. I especially like the ones that wait until everything is rung up and they have the total before they reach into their purse and take out their checkbook. Last time that happened I just left my items on the conveyor and walked out.
 
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