check cashing....

[Killer]

so... i got some checks i need cashed... BUT i don't want to take them bank of america...

1. i'm gonna be switching banks..

2. they screwed me and now i have some overdraft charges.. and i don't want to deposit those checks into that acct then them take the money for the overdrafts....

one check is from paypal the other is a personal check from this chick on ebay who refunded my money for shipping...

question is can i go to any bank and get these cashed and them just take the charges for cashing them?
can i get them cashed at BOA and them not try to deduct the overdraft amount?

or should i just hit a wachovia set up a new checking acct there and cash the checks???

[Sammich]

go to the bank that the check is made from...

i.e. if First Federal is the name on the bank, take it to First Federal

or your other option is go to open another checking account. i went and did that while First Citizens was giving me anal rape with no astroglide when i was dealing with ID theft and overdraft charges..and i was fine.

[Killer]

go to the bank that the check is made from...

i.e. if First Federal is the name on the bank, take it to First Federal

or your other option is go to open another checking account. i went and did that while First Citizens was giving me anal rape with no astroglide when i was dealing with ID theft and overdraft charges..and i was fine.

i'll have to look at the checks and see.. but again.... they are two diff checks... one from pay pal.. one is personal... so...

[Sammich]

whoever the person with the personal check banks with is written on the check, if you have that bank in your area, you can go cash it for free.

same with the paypal check

[C_R_X]

shouldnt write bad checks then!

[redrumracer]

shouldnt write bad checks then!

thats not always the case. some banks will run your purchases or withdraws at the end of the day before the run your deposits.(especially over the weekend if you have direct deposit) and they do that so they can hopefully charge you the extra charges and and make money.

[Sammich]

thats not always the case. some banks will run your purchases or withdraws at the end of the day before the run your deposits.(especially over the weekend if you have direct deposit) and they do that so they can hopefully charge you the extra charges and and make money.

x2

[Killer]

thats not always the case. some banks will run your purchases or withdraws at the end of the day before the run your deposits.(especially over the weekend if you have direct deposit) and they do that so they can hopefully charge you the extra charges and and make money.

exactly

[_Christian_]

thats not always the case. some banks will run your purchases or withdraws at the end of the day before the run your deposits.(especially over the weekend if you have direct deposit) and they do that so they can hopefully charge you the extra charges and and make money.

they will also order your transactions for the day from largest to smallest in price. this causes people to overdraft the same overall amount, but they will have more individual overdrafts of smaller amounts. This means more overdraft fees

[Killer]

they will also order your transactions for the day from largest to smallest in price. this causes people to overdraft the same overall amount, but they will have more individual overdrafts of smaller amounts. This means more overdraft fees

that is exactly what they did... (i think)

i balanced everything out... had calculated everything by hand... had gone over a bit... deposited a check to take care of it... went back to check it over the next few days.. everything was balanced out and i was left with a positive balance...

then things that should have been processed a wee or more ago went through in some weird ridiculous order and i had some how gone over and had like 3 overdrafts... it was ridiculous.. and something is up.. BOA does this all the time to me... i've had nothing but problems out of them...

BUT my boss uses BOA and thats how he does direct deposit.... if i switch i think it'll throw things off... so i'm just gonna start withdrawing all my money and deposit it in another bank... or do an online transfer or something...

[Sammich]

that is exactly what they did... (i think)

i balanced everything out... had calculated everything by hand... had gone over a bit... deposited a check to take care of it... went back to check it over the next few days.. everything was balanced out and i was left with a positive balance...

then things that should have been processed a wee or more ago went through in some weird ridiculous order and i had some how gone over and had like 3 overdrafts... it was ridiculous.. and something is up.. BOA does this all the time to me... i've had nothing but problems out of them...

BUT my boss uses BOA and thats how he does direct deposit.... if i switch i think it'll throw things off... so i'm just gonna start withdrawing all my money and deposit it in another bank... or do an online transfer or something...

go to another bank, start a new account, get the info needed to do direct deposit and have your boss switch where your direct deposit goes

[iloveboost]

thats not always the case. some banks will run your purchases or withdraws at the end of the day before the run your deposits.(especially over the weekend if you have direct deposit) and they do that so they can hopefully charge you the extra charges and and make money.

Wrong. Bank of America processes credits (deposits) before debits (purchases/checks). Killer just can't balance a checking account.

they will also order your transactions for the day from largest to smallest in price. this causes people to overdraft the same overall amount, but they will have more individual overdrafts of smaller amounts. This means more overdraft fees

This is because if I were ever in a bind I'd rather my mortgage payment is paid instead of the five McDonalds purchases and 2 gas station charges are paid and other meaningless crap.

Would you rather McDonalds, a Texaco get their money or your landlord/mortgage company get paid?

You guys crack me up. Don't blame a bank for your mishaps and inadequate money management.

[Killer]

Wrong. Bank of America processes credits (deposits) before debits (purchases/checks). Killer just can't balance a checking account.


This is because if I were ever in a bind I'd rather my mortgage payment is paid instead of the five McDonalds purchases and 2 gas station charges are paid and other meaningless crap.

Would you rather McDonalds, a Texaco get their money or your landlord/mortgage company get paid?

You guys crack me up. Don't blame a bank for your mishaps and inadequate money management.

again, this is a bank problem.. not mine... a restaurant charged me 150 bucks for someone elses tab last month.. took a week to take care of.. and my bank acct hasn't been right since....

so again, unless you know the whole story stay out of pointing fingers.....

on top of that, i've talked to NUMEROUS people having these kinds of problems out of bank of america...

[redrumracer]

Wrong. Bank of America processes credits (deposits) before debits (purchases/checks). Killer just can't balance a checking account.

if you would notice i said some banks, and to be honest i havent ever heard to many good things about BOA, and banks are a business first a foremost then they might be your friend secondly. they ARE out to make money

This is because if I were ever in a bind I'd rather my mortgage payment is paid instead of the five McDonalds purchases and 2 gas station charges are paid and other meaningless crap.

Would you rather McDonalds, a Texaco get their money or your landlord/mortgage company get paid?

and on this they are covering all of it you just have to pay the bank back with a charge, so that point is invalid. and yes id rather have them run the smaller ones through first so id only get charged maybe one or 2 over charge fees.

You guys crack me up. Don't blame a bank for your mishaps and inadequate money management.

and i dont blame anyone for my mismanagement of my money, but if a bank messes with my money i take the appropriate actions necessary, thats why you keep all receipts until they have cleared your bank that way you can go back and prove the order of transactions

[Killer]

shouldnt write bad checks then!

i haven't written a check in over a year buddy try again....

[Slow Motion]

I need to open my bank if its that easy to make money....Damn but you got to have a few million to start. Damn Bastids.

[81911SC]

On your way to NC yet?

[Killer]

nah... only gays and gingers live there!!

[81911SC]

nah... only gays and gingers live there!!

Good thing I'm both.

[Evil Goat]

you cant overdraft if you dont spend money that isnt there, its as simple as that, its your own damn fault

credit unions ftw

[Killer]

you cant overdraft if you dont spend money that isnt there, its as simple as that, its your own damn fault

credit unions ftw

yeah, banks never **** up..... you're right... they are flawless...

restaurants never double charge you/over charge you...

and you can walk on water....



eat my ass buddy, as you have no idea whats going on...

[Evil Goat]

yeah, banks never **** up..... you're right... they are flawless...

restaurants never double charge you/over charge you...

and you can walk on water....



eat my ass buddy, as you have no idea whats going on...

i dont give a **** whats going, neither does IA, if youre too stupid to figure out where to get checks cashed b/c youre too stupid to control your bank account then you shouldnt be cashing checks stepehen hawking....bottom line is if you dont have money to cover a double charge and then some at some **** hole restaurants then maybe you should be eating ramen noodles instead of whining, get your priorities in order, cash that measly $90 at your local liqour store and shut the **** up

[Killer]

i dont give a **** whats going, neither does IA, if youre too stupid to figure out where to get checks cashed b/c youre too stupid to control your bank account then you shouldnt be cashing checks stepehen hawking....bottom line is if you dont have money to cover a double charge and then some at some **** hole restaurants then maybe you should be eating ramen noodles instead of whining, get your priorities in order, cash that measly $90 at your local liqour store and shut the **** up

you gotta be efing kidding me with this garbage... i'm sorry i'm not rolling in the money.... i didn't realize i had to be rich to post on this forum... and that not having tons of extra cash made me "too stupid to control my bank acct"...

someone else screwed up my acct.. and now i'm paying for it... period.. end of story...

i've never had to worry about cashing checks at other banks cause i've never had this problem before.. 1. my pay check is direct deposit each month. 2. i don't ever get checks for anything else... so i thought i would ask some people on this site... as i've read plenty of other threads on this forum with people having bank problems...

but i for damn sure am not gonna let the bank eat up my money when they are part of the problem.... i've got other PRIORITIES right now and they need to be taken care of before the bank gets what isn't theirs...


so EAD mr high and mighty... seriously... i didn't come in here and ask anyone "why do you think i'm overdrawn" i asked where to get checks cashed other than at my bank... so that's all i need an answer to.

[Stormhammer]

Go to Wachovia. Just walk up, say you want to cash the check. Provide two forms of ID ( for me its my license and BOA card ) - they'll ask if you have an account with them, say no, you put your thumbprint on the check and walk out 5 minutes later with a wad of cash. Oh, and they won't charge you.

[Killer]

Go to Wachovia. Just walk up, say you want to cash the check. Provide two forms of ID ( for me its my license and BOA card ) - they'll ask if you have an account with them, say no, you put your thumbprint on the check and walk out 5 minutes later with a wad of cash. Oh, and they won't charge you.

how late are they open??? i just took my lunch break and wasted my time at BOA

[Djlin]

there are check cashing places that charge you a small fee to get your checks cashed but you don't have to go through a bank or anything like buford highway has one and many other places.. check cashing places..

[Killer]

there are check cashing places that charge you a small fee to get your checks cashed but you don't have to go through a bank or anything like buford highway has one and many other places.. check cashing places..

yeah, i'm trying to find one between my work and home now... (sandy springs/marietta)

[blazin']

a friend of mine gets his checks cashed at the bank in wal-mart. i don't know if they charge to cash checks though. i've heard that some liquor stores will cash them too...not for sure though, just what i've heard.

[Evil Goat]

obviously you dont have to be ballin to post on IA, look at maniac, you offered up the info for the world to see, i didnt ask you, like i said, i stay on top of my ****, i will check my account 2-3 times daily, and if you say you dont have time to stop and take less than a minute to check your account then you shouldnt have one, BOA can be checked by phone, computer, or by walking your ass in there

same thing happened to me a while back, dumb ***** at ruby tuesday decided she would add $40 to the tip, but like omg, i caught it damn near instantly, before i ever left the mall, returned back to the restaurant and had the situation taken care of, the bottom line is you dont have to be ballin to be intelligent with your money, obviously you didnt have $ to be out dining somewhere so why bother? if you were smart to begin with about your money you wouldnt have this problem genious

i ****ing hate people who always put the blame elsewhere, you were overdrawn, maybe not by your fault, but why in the hell does that not give the bank the right to charge you for overdrafts? are you somebody special who gets to escape the rules just b/c youre stupid? i dont think so, youre account probably isnt right b/c you owe more in overdraft fees than you have in your pocket...i mean for gods sake, if youre spending money you dont need to atleast be smart enough to save for awhile, open a savings, and use it as draft protection you stupid asshat

[Killer]

obviously you dont have to be ballin to post on IA, look at maniac, you offered up the info for the world to see, i didnt ask you, like i said, i stay on top of my ****, i will check my account 2-3 times daily, and if you say you dont have time to stop and take less than a minute to check your account then you shouldnt have one, BOA can be checked by phone, computer, or by walking your ass in there

same thing happened to me a while back, dumb ***** at ruby tuesday decided she would add $40 to the tip, but like omg, i caught it damn near instantly, before i ever left the mall, returned back to the restaurant and had the situation taken care of, the bottom line is you dont have to be ballin to be intelligent with your money, obviously you didnt have $ to be out dining somewhere so why bother? if you were smart to begin with about your money you wouldnt have this problem genious

i ****ing hate people who always put the blame elsewhere, you were overdrawn, maybe not by your fault, but why in the hell does that not give the bank the right to charge you for overdrafts? are you somebody special who gets to escape the rules just b/c youre stupid? i dont think so, youre account probably isnt right b/c you owe more in overdraft fees than you have in your pocket...i mean for gods sake, if youre spending money you dont need to atleast be smart enough to save for awhile, open a savings, and use it as draft protection you stupid asshat

you're right.. i'm sorry...

fwends?

[Evil Goat]

you're right.. i'm sorry...

fwends?

smartass....btw **** banks....go to a credit union this time

[ShooterMcGavin]

there's nothing wrong w/BOA or Wachovia, have had an account w/both of them now for quite some time...last time i got hit w/an accidental overdraft fee, all i did was email customer service, explained that i made a mistake and had never had any problems before and if they could waive the fee and within 3 days it was done.

[redrumracer]

there's nothing wrong w/BOA or Wachovia, have had an account w/both of them now for quite some time...last time i got hit w/an accidental overdraft fee, all i did was email customer service, explained that i made a mistake and had never had any problems before and if they could waive the fee and within 3 days it was done.

i have wachovia and i dont have a single complaint with them. the last time i had a charge was when the banker didnt put down that i had a free student checking and i got charged a service few. went to the local branch and everything was straightened out the same day, but it did take one day for them to credit the money back to my acct because i came in near the end of the day.

[Killer]

there's nothing wrong w/BOA or Wachovia, have had an account w/both of them now for quite some time...last time i got hit w/an accidental overdraft fee, all i did was email customer service, explained that i made a mistake and had never had any problems before and if they could waive the fee and within 3 days it was done.

dude... ever since i've had an acct with them i've had problems with them.. and customer service... i was just talking to another friend about it and he basically said the same thing... he had some ridiculous problems and horrible customer service....

they cleared one charge but the other is still there.... thing is i get direct deposit.. so they'll get that money either way...

[ShooterMcGavin]

dude... ever since i've had an acct with them i've had problems with them.. and customer service... i was just talking to another friend about it and he basically said the same thing... he had some ridiculous problems and horrible customer service....

they cleared one charge but the other is still there.... thing is i get direct deposit.. so they'll get that money either way...

guess they don't like you, been with them for over 3 yrs and NEVER had a problem.

[Killer]

guess they don't like you, been with them for over 3 yrs and NEVER had a problem.

been with them for 4 and have had nothing but problems...

there was one guy i dealt with at one branch that was awesome.. really helped me out once.. then the branch closed.. and idk where he went to... other than that.. nothing but bad experiences...

[ShooterMcGavin]

been with them for 4 and have had nothing but problems...

there was one guy i dealt with at one branch that was awesome.. really helped me out once.. then the branch closed.. and idk where he went to... other than that.. nothing but bad experiences...

sounds like you do too much banking in person, in the 3+ yrs i've had all my accts there, i've probably been inside less than 10 banks and spoken to 3 tellers for a transaction. online and atm is all you need, helps you keep better track of **** too, and if you do have a problem, i sure as hell wouldn't go in to see anyone, would rather call in.

[Stormhammer]

Yeah, I've had BOA waive some overdraft fee's too. I just emailed them and explained that I needed those overdraft fee's back or else I couldn't pay me bills ( I had no bills to pay lol ) and they gave it back within a few hours.

I'm currently just going to Wachovia because I just recently started working again, and first time around ( being broke ) I had to fill up my car with $25 of gas to last the week, and I had a $1.06 in my account, so I knew what I was getting into. I just cash out to make sure I have all the $$$ to get back onto my feet before I just go back to depositing in my account. ( Btw, just finishing up a semester where finding a job to work with my schedule was a ****ing whorehouse )

You're hit or miss with Customer Service on the phone though. I just go to the website, login, and send them an email lol. They can't ask questions that way

[Sammich]

i'm with a credit union right now for my savings and checking..only have a HSA with a local bank

[Evil Goat]

credit unions....still ftw