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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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19783 clicks; posted to Main » on 19 Feb 2012 at 3:14 PM (2 years ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-02-19 05:44:00 PM
Bank Of America (I know I know) Home Loans lets you make an electronic payment for a 5$ fee. Mighty friendly of them....

I pay them electronically from my online banking (PNC) .... no charge.
 
2012-02-19 05:45:49 PM
I like writing checks. Its just a personal preference because it gives me a feeling that I've paid something which doing billpay online just doesn't for whatever reason.

I would never use them to pay for anything at a store though.
 
2012-02-19 05:48:03 PM

boozehat: culebra: jst3p: Elephantman: /no pin number to remember

no pin number to remember
pin number to remember
pin number
personal identification number number


/I hate you

Yeah, I prefer to go to the automatic ATM machine myself. How hard is it to remember a 4 digit personal PIN number anyway?

You can get the HIV virus with that kind of talk.


I had a friend get a nasty cut when he was installing a nic card,
 
2012-02-19 05:52:09 PM
I use checks for two things:

- Taxes when I can't file for free. - I'd rather mail it with a check than pay a filing fee to "eFile". Just not worth it to me. Given it's cheaper for the government to do it electronically, you'd think they'd make Intuit pass it on for free at fed and for all states (I file for 2 states.. not paying $15 or whatever for that).

- When I don't trust someone/something - Courts are pretty clear on how they treat canceled checks. They are much more muddy regarding electronic payments and credit cards when it comes to "proof". Until our legal system figures out how to make that better, I'll use a check since there's millions of court cases where a canceled check has been proof of payment without dispute. Electronic payments leave you open to trouble here.
 
2012-02-19 05:54:34 PM

Earpj: No shiat.
I'd like to see some "manly" football player do that.

Besides, he's the only boy in a class full of cute girls.


Back when I was going to college night classes, I would sometime regret going for an engineering degree when I saw all the cute women going for medical degrees.

/*sigh*
 
2012-02-19 05:55:24 PM
My landlord insists on checks.

The government insists on checks (Though, they insist on paying me direct deposit. Bunch of hypocrites.)

So, needless to say, the only checks I've ever written are to my landlord and the IRS.
 
2012-02-19 05:56:30 PM

AirForceVet: .

Back when I was going to college night classes, I would sometime regret going for an engineering degree when I saw all the cute women going for medical degrees.

/*sigh*


Now days, It seems to be pretty even.
My daughter is going for a science degree (thinking of switching to pre-med).
Her friend is in engineering.
 
2012-02-19 05:57:02 PM

casual disregard: 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.


Having worked at Goodwill in the past, the reason they now refuse televisions and monitors is that they are pretty much unsellable, and therefore have to be disposed of or take up lots of room in storage or on store shelves. Fees are charged per item disposed and that eats into the money they can use for charitable purposes.
 
2012-02-19 06:01:31 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 agree except about the SSN. Checks do not have SSNs at least not in my experience. It wouldn't surprise me if that was true a few decades ago, but even then I sorta doubt it.
 
2012-02-19 06:02:48 PM

jake3988: The government insists on checks (Though, they insist on paying me direct deposit. Bunch of hypocrites.)


I like direct deposit as long as it's free, but I don't like being told that I HAVE to do it and I don't like the hypocrisy you mentioned.

I had a job once where they charged $20 per paycheck (we were paid weekly) to provide direct deposit. I don't think anyone at all opted for it.
 
2012-02-19 06:04:22 PM

Jument: I agree except about the SSN. Checks do not have SSNs at least not in my experience. It wouldn't surprise me if that was true a few decades ago, but even then I sorta doubt it.


Check-printers will put whatever you want on there, but all of the ones I have used have always had a disclaimer saying it's discouraged to put your SSN on. I'd imagine it is for older customers who did in fact used to commonly do that back in their day.
 
2012-02-19 06:04:44 PM

Jument:

I agree except about the SSN. Checks do not have SSNs at least not in my experience. It wouldn't surprise me if that was true a few decades ago, but even then I sorta doubt it.


The Commissaries on military bases stopped requiring SS#'s on checks a long time time ago..I wanna say it's been over 10 years.
 
2012-02-19 06:10:24 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?


Well, it is the original spelling. Plus, 'check' means many different things in different contexts, while 'cheque' means only one thing. I didn't get a huge sense of pretentiousness off of his post, but I do get a sense of 'UNITED STATES OF AMERICA IS BEST AMERICA' from you. I'd even bet a small amount of money that you think the imperial system of measurement is the best system.

Then again I'm one of those 'Hosers'. As you put it so eloquently.
 
2012-02-19 06:13:47 PM

Lsherm: I'll tell you who still writes checks: old women. At the grocery store. In the line in front of me. In the express checkout lane.

farkING DIE ALREADY!


...and of course the cashier has to get the manager to ok the check; so she gets on the phone to page him, but he's out the back on the loading bay having a cigarette and can't hear the page...

Old people love their checks, even though the potential for fraud is much, much higher than with electronic payment.
 
2012-02-19 06:14:32 PM
I don't use checks, but then I don't use banks either. Cash only operator. Always makes me nervous to see the broad abandonment of cash/physical currency and sudden embrace of electronic only transaction.
 
2012-02-19 06:16:38 PM

xl5150: Has anybody said yet that the only person who writes checks at the grocery store is the old lady who's always ahead of them in line LOL?


Yeah - apparently this is a real thing - something people actually get upset about.
White people problems.
 
2012-02-19 06:21:32 PM

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


So you trust writing a paper IOU ... that ends up initiating an automatic electronic transfer when the recipient cashes it?
 
2012-02-19 06:24:37 PM
Who farking cares? I remember a woman at work proudly telling me how she "never wrote checks anymore!" and how everything was done on-line, and how she had her bank account set up to auto-pay everything, and how SHE just didn't see why anyone had to write checks anymore, why, SHE never wrote checks......

Like I said, who farking cares? She was an idiot, BTW.
 
2012-02-19 06:26:05 PM
bravian 2012-02-19 03:23:10 PM

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

Learn how to manage your checking account.



Not good enough. My mother set up an auto payment to pay off her washer and dryer. They upped it one month without asking her or infoming her (according to their rules, they're supposed to notify her 30 days in advance) . What's worse, they weren't applying the difference in payments to her account.

Example: Let's say her payment was 35 dollars. They upped it to $40 bucks but they were still only applying $35 to her account. It took a year to get that straightened out and the additional money applied to her account.

Their next little trick was doubling the payment for 4 months in a row. It took 6 months to get that incident straightened out.

After that, she made them take her off auto pay and now they have to mail her a paper bill and get mailed a check every month. It's their own damned fault for being irresponsible with her automatic payments.
 
2012-02-19 06:30:28 PM

aerojockey: jst3p: culebra: jst3p: Elephantman: /no pin number to remember

no pin number to remember
pin number to remember
pin number
personal identification number number


/I hate you

Yeah, I prefer to go to the automatic ATM machine myself. How hard is it to remember a 4 digit personal PIN number anyway?

For all intensive purposes it isn't that difficult. Irregardless it is a mute point.

Supposably some people have a hard time remembering numbers, per say, and are using the ATM machine as an escape goat.


You, sir, are a geniuss geniosse janissary smart guy.
 
2012-02-19 06:35:55 PM

Asplenium: 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?

Well, it is the original spelling. Plus, 'check' means many different things in different contexts, while 'cheque' means only one thing. I didn't get a huge sense of pretentiousness off of his post, but I do get a sense of 'UNITED STATES OF AMERICA IS BEST AMERICA' from you. I'd even bet a small amount of money that you think the imperial system of measurement is the best system.

Then again I'm one of those 'Hosers'. As you put it so eloquently.


Oh, come off it, eh?

As a Yank of the deepest dye, I've ALWAYS wanted to do that!
 
2012-02-19 06:38:50 PM

Asplenium: I'd even bet a small amount of money that you think the imperial system of measurement is the best system.


There is a fair argument that the 12-base foot/inch system is convenient for human-scale measurements as the basic unit (foot) can be divided by 2, 3, 4, and 6 for everyday use instead of just 2 and 5 as with the met[er|re].
 
2012-02-19 06:42:02 PM
Da Spouse and I do about 5-7 checks a month. Used to do 50-60 before the age of Debit and EFT. Eventually we'll go to zero, but that is still a little ways off.
 
2012-02-19 06:42:51 PM
I have only written checks to pay off speeding/parking tickets, a textbook or two (from those "creative" professors that sell their own books for a slightly less inflated price) and to place an advertisement in a local senior citizen complex newsletter :\.
Got a free box of checks from my credit union when I was 17/18 (and I could get a free box once a year if I was an old person)...maybe have used 12 or so in the last 4 years. Everything else is debit card, cash, or a few things here and there on a credit card.

It seems like only local government-type outfits (schools, police), still rely on checks :\.
 
2012-02-19 06:50:57 PM
"Wait, people still write checks. Ha Ha..."

Yes, 23 million folks a day according to the article, so dont go acting like it is that unusual.

Sometimes a check is just the best way to go. Debit is fine, if its under whatever your banks daily limit is. $300 in my case. That is just not always enough. Just last week I bought flooring for my entire house. It was the price of a small car. While I might like to have used my debit card, it just wasnt an option.

I also use checks for many of the monthly bills. It gives me more control over who I pay and when. The moment you give the goons your account numbers and set up auto-pay, good luck ever stopping payment to them or controlling when they get the money.
 
2012-02-19 06:52:55 PM
I'd bet most of your parents wrote a check for your education.
 
2012-02-19 06:59:16 PM

TheOmni: I'm still working through the 50 checks they gave me when I opened my checking account almost a decade ago. I've started using checks for rent instead of cash, so that's burning through them pretty quick now.


I opened a checking account in my old home town when in high school. After my dad passed away, the only checks on that account are for the farm that he left me. One for the property tax and a couple per year for upkeep and maintenance. The land is actually rented out to a tenant. The last batch of checks have the year 19__ printed on them.

/Have enough left to last until 2020 at least...
 
2012-02-19 07:03:44 PM
I just got my first debit card a few months ago. Until then, I used checks for pretty much everything. It works fine around here, but it sucked for traveling.
 
2012-02-19 07:03:45 PM

xl5150: Has anybody said yet that the only person who writes checks at the grocery store is the old lady who's always ahead of them in line LOL?


Oh, you think that's funny do you? I'm a professional shopper so I go through 20-30 transactions in a week. That means I spend up to an hour and a half in a week waiting for some biddy to write her check. For $3.78.

Although I don't mind when it's a check for $100-1000. Since my shopping is at thrift stores it means that person is putting a lot more into the coffers than I am.
 
2012-02-19 07:05:37 PM

Ima4nic8or: I also use checks for many of the monthly bills. It gives me more control over who I pay and when. The moment you give the goons your account numbers and set up auto-pay, good luck ever stopping payment to them or controlling when they get the money.


I will never use auto-pay for anything. There's no way I trust anyone to have automatic access to my banking account.

/yes, I already know everybody already has access to my bank account, since I pay on-line. It's the principle.
 
2012-02-19 07:07:27 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?


no but the word cheque comes from the word exchequer...which from wikipedia says - "The Exchequer was named after a table used to perform calculations for taxes and goods in the medieval period. The table was ten feet by five feet and had a raised edge or lip on all sides of about the height of four fingers to ensure that nothing fell off it. It was covered by a black cloth bearing green stripes of about the breadth of a human hand, in a chequer-pattern. The spaces represented pounds, shillings and pence"

And being a part of the government revenue service the government would not pay up in cash but rather in bank notes...or cheques. And later the money is transferred between parties.

so...if by pretentious then you mean correct...then yes
 
2012-02-19 07:07:38 PM
I write checks to pay my mortgage. Why is that a bad thing?
 
2012-02-19 07:12:31 PM

TDBoedy: 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?

no but the word cheque comes from the word exchequer...which from wikipedia says - "The Exchequer was named after a table used to perform calculations for taxes and goods in the medieval period. The table was ten feet by five feet and had a raised edge or lip on all sides of about the height of four fingers to ensure that nothing fell off it. It was covered by a black cloth bearing green stripes of about the breadth of a human hand, in a chequer-pattern. The spaces represented pounds, shillings and pence"

And being a part of the government revenue service the government would not pay up in cash but rather in bank notes...or cheques. And later the money is transferred between parties.

so...if by pretentious then you mean correct...then yes


You're right. And people using "check" instead is surely the only incident of a shortening of a word taking on a similarly shorter spelling for casual use in the entirety of the English language.
 
2012-02-19 07:12:35 PM

theprinceofwands: I don't use banks either. Cash only operator.


How would you do that if you worked for a normal company? Without a bank account, you'd have to cash that paycheck at a check-cashing place for a 1-3% fee, which would be . . . suboptimal. If you're going to use credit at any point (buying a house, for instance) you're going to have a serious problem without getting a bank or a bank analogue involved. If you have $20K in cash, you have to worry about its physical security, and if sketchy people knew I had that much cash in my house, I'd get broken into inside a week.

I think of banks as a tool, like a .357 or a lawnmower. You can use banks, a .357, or a lawnmower safely and usefully, or you can use them to fark your finances up, shoot yourself in the foot, or shred your neighbor's dog. It's not that difficult to use a bank appropriately, I think. . . ICBW though.
 
2012-02-19 07:15:24 PM
My landlady only takes checks and I don't feel like setting up auto-check-sending-thingy on bank for one damned thing.

/ writes 12 checks per year.
 
2012-02-19 07:17:26 PM

TDBoedy: 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?

no but the word cheque comes from the word exchequer...which from wikipedia says - "The Exchequer was named after a table used to perform calculations for taxes and goods in the medieval period. The table was ten feet by five feet and had a raised edge or lip on all sides of about the height of four fingers to ensure that nothing fell off it. It was covered by a black cloth bearing green stripes of about the breadth of a human hand, in a chequer-pattern. The spaces represented pounds, shillings and pence"

And being a part of the government revenue service the government would not pay up in cash but rather in bank notes...or cheques. And later the money is transferred between parties.

so...if by pretentious then you mean correct...then yes


Somehow I doubt that you do not use one of these tables when writing your cheque. Guess that makes you a hyopcrite, right?
 
2012-02-19 07:31:12 PM

jake3988: My landlord insists on checks.

The government insists on checks (Though, they insist on paying me direct deposit. Bunch of hypocrites.)

So, needless to say, the only checks I've ever written are to my landlord and the IRS.


You don't pay the IRS you pay the U.S. Treasury

About EFTPS

The Electronic Federal Tax Payment System (EFTPS) is a free service from the U.S. Department of the Treasury. Since it began in 1996, millions of businesses, individuals, federal agencies, tax professionals, and payroll services have used EFTPS.

All federal taxes can be paid using EFTPS. You can make payments via this Web site, a voice response system, or special channels designed for tax professionals, payroll services, and financial institutions.

Quick, secure, and accurate, EFTPS is available by phone or online 24 hours a day, 7 days a week. You can schedule a business payment up to 120 days in advance or an individual payment up to 365 days in advance.
 
2012-02-19 07:36:41 PM

CravenMorehead: 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.


So, you took out your rage towards an old lady on someone else? You sure showed her, huh?
 
2012-02-19 07:39:42 PM

Mock26: I write 12 checks a year, once a month for my rent. My landlord takes cash but I like having a record of my monthly payments.


I find it odd that people are willing to pay their landlord in cash. What happens if there is a dispute? Unless the landlord issues receipts, I find it odd.
 
2012-02-19 07:52:22 PM
home.xnet.com
You know who still writes cheques?
 
2012-02-19 08:10:35 PM
I used to use BoA's online stuff till I learned how farked up their process is. It used to be: bank writes check, mails check, and funds are not debited until the check is processed. Then it became: bank pulls out funds on due date, transfers funds to a third party, and the third party issues the check. There's no easily accessible paper trail and if the electric company "misplaced" your check and cut your power off, you were boned and broke.

I pay everything with my debit card and keep screenshots/PDFs of every transaction, except the power company. They do things through ach debit unless I want to pay the 6 dollar fee.
 
2012-02-19 08:11:41 PM

capt.hollister: I have never written a check in my whole life, but sometimes I did have to write a cheque.


ha!
good show old bean.
 
2012-02-19 08:15:02 PM

Sylvia_Bandersnatch: CravenMorehead: 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.

So, you took out your rage towards an old lady on someone else? You sure showed her, huh?



No, I didn't take out any rage on her. I didn't say a word. But please, continue to read things into my post. Did you read between the lines and figure out I waited in the parking lot and kicked the shiat out of her too?
 
2012-02-19 08:17:28 PM

CravenMorehead: Sylvia_Bandersnatch: CravenMorehead: 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.

So, you took out your rage towards an old lady on someone else? You sure showed her, huh?


No, I didn't take out any rage on her. I didn't say a word. But please, continue to read things into my post. Did you read between the lines and figure out I waited in the parking lot and kicked the shiat out of her too?


He is talking about the checker who now has a bunch of extra "go backs" to deal with because you are impatient. It was kinda a dick move on your part.
 
2012-02-19 08:33:10 PM

jst3p: He is talking about the checker who now has a bunch of extra "go backs" to deal with because you are impatient.


I'm fairly certain that she was being paid at the time. Had she been a slave, I could see your point. Wait, this was a Walmart so that could be the case.
 
2012-02-19 08:38:27 PM

CravenMorehead: jst3p: He is talking about the checker who now has a bunch of extra "go backs" to deal with because you are impatient.

I'm fairly certain that she was being paid at the time. Had she been a slave, I could see your point. Wait, this was a Walmart so that could be the case.


Yeah, whenever I'm in a restaurant, I just dump food on the floor if I'm irritated by customers at another table. The staff's getting paid, so it's totally okay.
 
2012-02-19 08:44:49 PM

Sylvia_Bandersnatch: CravenMorehead: jst3p: He is talking about the checker who now has a bunch of extra "go backs" to deal with because you are impatient.

I'm fairly certain that she was being paid at the time. Had she been a slave, I could see your point. Wait, this was a Walmart so that could be the case.

Yeah, whenever I'm in a restaurant, I just dump food on the floor if I'm irritated by customers at another table. The staff's getting paid, so it's totally okay.


Oh.
Snap.
 
2012-02-19 08:45:31 PM

CravenMorehead: jst3p: He is talking about the checker who now has a bunch of extra "go backs" to deal with because you are impatient.

I'm fairly certain that she was being paid at the time. Had she been a slave, I could see your point. Wait, this was a Walmart so that could be the case.


The fact that she was getting paid does not make your action any less of a dick move. If you can't understand why then there is a high probability that you are a dick.
 
2012-02-19 08:48:14 PM

MajorityWhip: Surcharges:

[i1142.photobucket.com image 517x399]


What's your point? Just because they aren't allowed to doesn't mean they aren't gonna do it. The government does it in regards to the constitution every day.
 
2012-02-19 08:50:29 PM

vabeard: I'd bet most of your parents wrote a check for your education.


Oh wow. Sick burn.
 
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