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ChChChCh Checking......

September 12th, 2009 at 09:53 pm

It must be the day for checking chit-chat, I saw discussions on at least a couple of my other regular reads about the pros and cons of checking accounts. But it did bring something cute to mind. When DD#3 and I were opening her checking acct a while ago, the very kind clerk (whom I've know for 10 years) was explaining to her about making sure that the money is already in your account when you write a check, because many places have the auto check readers that debit it immediately out of your account. I laughed and told her that I think shes (DD#3) too young to remember post dated checks. Remember when you could send a check to whomever and the bank was supposed to hold it to cash until the date on the check? OMG I know that at least 20 years ago, one of the big news shows had a feature on banking where they presented checks, or sent them thru the system to see if the bank would catch them, dated decades earlier, written to Mickey Mouse, with two or three different handwriting styles on the same check, obviously tampered with, and the banks cashed them all!! That reminds me of an old Roseanne Barr schtick where she can't afford to pay the bills, so she sends the phone co check to the electric co, and the electic co check to the garbage man, etc. and then they would send them back to her, giving her another week or so to get the money. I must confess here that (cringe) I have actually done that a time or two, many years past. I don't think it would even work anymore, they would just deposit your check anyway, and the friendly bank would, of course, cash it! So, anyway DD#3 didn't order any checks, just got a debit card. Actually, come to think of it, DD#2 has a checking account, and I don't think that she has ever gotten any checks in 4 years or so. Oh, the times they are a-changing.

2 Responses to “ChChChCh Checking......”

  1. whitestripe Says:

    here, they would just return the check and give you a late fee!

    (actually checks are rarely used anymore - it is all Bpay or Credit card payments)

  2. dmontngrey Says:

    A few years ago my company handed out bonus checks to managers at a meeting. Bigwigs forgot to sign them first! A couple managers forged signatures, 1 signed his OWN name, the rest went through with no sigs. They ALL cleared!! A couple years later my boss called me in a panic on my day off because the company president gave a VP a VERY important large check without signing it. The VP had deposited it in the ATM (not smart) and reported the lack of signature after the fact. My boss wanted me to put a stop payment on it and reissue it because the bank was "going to deny it". I told him no way, wait and see... that was the last I heard of it. Very scary that this stuff occurs so easily.

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