Comments on: Don’t Write Personal Checks

By: John

John — Fri, 12 Aug 2011 03:55:44 +0000

Apparently rick_go’s bank honors his considerations. Don’t try to act smart because you “think” you know how all banks work because when you do you look foolish.

smarter . . . HAHAHAHA! What a hypocrite you are.

By: smarter

smarter — Sat, 12 Mar 2011 23:49:56 +0000

Anybody can take a check with anybodies name and cash it. Banks like BofA don’t even look at “who its written to”… just drop it in an ATM deposit and its cashed because its automated… You seriously think your giving “instructions”?

The RDFI(ur bank) isnt going to give one hoot about your “instructions”. Also since the RDFI (ur bank) cant see who cashed or where the money really went you cant verify your “instructions” were followed.

Your statement is so intellectually foolish in regards to how banking really works.

By: nargo

nargo — Mon, 19 Apr 2010 20:05:39 +0000

you can use a debit card at the Post Office for money orders

By: Prasath

Prasath — Tue, 19 Jan 2010 17:27:10 +0000

Even I pay my Apartment Rent by “Bill Pay” feature from checking account.

Not issuing any Check for the past 8 years unless the receipent does not accept it.

Also Good Thing is We can sort/add the amount paid to the receipent through online whereas it has to do manually while issuing check.

[My older roommate fought with me , why you are not sending check ? eventhough we are living in the same house. i told him this is the policy i am following. otherwise, i will give cash (but no cash)]

By: Soccer9040

Soccer9040 — Tue, 01 Dec 2009 14:26:53 +0000

This is out of right field, but it always seems to be 2 different demographics that use checks in line at the stores. People my grandparents age. I’ll give them a fair pass because its hard to teach an old dog new tricks. Plus they are generally slower, I’m fine with that. The other demographic seems to be lower class less well kept people. It could just be the stores I am at when I see people writing checks…

By: Soccer9040

Soccer9040 — Tue, 01 Dec 2009 14:24:16 +0000

If their “poor choice” doesn’t effect me then I don’t mind at all. When it starts to slow me down, I begin to notice.

Im not ever at the point where I’m going to boo someone, but in my head I am thinking it.

By: paystolivegreen

paystolivegreen — Tue, 01 Dec 2009 14:01:39 +0000

Not only do I hate writing checks, but all the points you make about how unsecure they are. Using a credit card is so much easier and doesn’t hold up the line either

By: CK

CK — Mon, 30 Nov 2009 17:14:59 +0000

Fine, I’ll refrain “If they do it right”. That never happens though.

By: rick_go

rick_go — Mon, 30 Nov 2009 09:18:22 +0000

Checks are very powerful instruments when used correctly. I can be very specific as to who can cash it and the terms in which it can be cashed. A check is directing my bank to do something according to my express conditions. How many of you have used endorsement specific conditions? I will always bank with an institution that allows me the power to set the terms of the transaction.

By: Erika

Erika — Sun, 29 Nov 2009 18:52:50 +0000

I get so annoyed when that happens. I will actually weigh the pros and cons of going in to pay in person or just taking the charge.

By: Erika

Erika — Sun, 29 Nov 2009 18:51:31 +0000

Actually some stores will allow you to use your debit card for money orders. I’ve tried it several times when I didn’t not have any checks and plastic wasn’t an option.

By: Lee

Lee — Sat, 28 Nov 2009 03:45:51 +0000

It’s one of the most infuriating experiences, standing in line at a grocery store and someone pulls out the checkbook. What is most infuriating about these people, is they know that they’re going shopping, they know where they’re going shopping, and can’t even manage to pre-fill the check details to speed things up a bit. Seriously, think about others! I especially love it when they’ll wait until all their items have been checked, and the checker gives them the total they owe, before they even bother to get their check book out!!! ARRRRRRRRRRRRGH!

By: centsandthecity

centsandthecity — Sat, 28 Nov 2009 03:32:15 +0000

I only use them for electric and cable. I should probably just switch to online bill pay though.

By: Tina

Tina — Fri, 27 Nov 2009 23:12:21 +0000

I stopped using personal checks a few years ago. I never liked the idea of sharing all of my personal information. I have noticed that when customers use them that many stores are returning them back to them.

By: kosmo @ The Casual Observer

kosmo @ The Casual Observer — Thu, 26 Nov 2009 16:43:21 +0000

We’ve been doing this for probably 3 years? It has never caused a problem. We have the initials + last name (A and B Doe), and these do match up, as well as an address that matches the address on the ID. So it’s pretty obvious that we’re the correct people when someone checks ID, but it’s not possible to derive our full names from the info.