Why do people even use checks?

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  • woj
    <&(©¿©)&>
    • Jul 2002
    • 47880
    #51
    50..........
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      Comment

      • Vitasoy
        GFY HALL OF FAME DAMMIT!!!
        • Oct 2003
        • 58202
        #52
        I don't mind them, but I prefer epass.


        [email protected]

          Comment

          • Nicky
            Too lazy to set a custom title
            • Mar 2003
            • 30071
            #53
            Originally posted by Dirty Dane
            130 dollars????? don't u mean swedish kroner?

            Here in Denmark I pay 100 kroner (about $16) per exchange, i.e. the same fee no matter how many checks at the same time. The fee is also tax deductable, and the money is debited on the account same day 4pm because they know me well enough.
            So for small amounts I prefer many checks, but for bigger its worth wire fee.
            Nope, they changed the laws beginning of 2006, it's now $130 per check, before that it was $17 per check and 1 week hold of the money, thats abit high too but I could live with it, but $130 and 4 weeks hold is just insane so I told my bank to go fuck themselves. I also went to 4 other banks they said the same thing, I want to burn down every bank I see accually.....

            gfynicky @ gmail.com

              Comment

              • rotterdammer
                Confirmed User
                • Feb 2006
                • 1523
                #54
                What do you think of a 15$ fee per check?

                  Comment

                  • cranki
                    Confirmed User
                    • Feb 2005
                    • 5162
                    #55
                    I used checks before and spent 7.50 euros and 15.00 euros as fees for checks over 300$ repectively. that's too fuckin expensive... haven't thought about that tax issue whatsoever... seems like I got to do some explaining then... ;)

                      Comment

                      • gecko
                        ******
                        • Jun 2002
                        • 21846
                        #56
                        The pay stubs so that I can file accordingly.
                        [email protected]

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                          • woj
                            <&(©¿©)&>
                            • Jul 2002
                            • 47880
                            #57
                            If wires were free, I would never use checks again... depositing checks doesn't take a lot of time, but it's still wasted time...
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                              • Barefootsies
                                Choice is an Illusion
                                • Feb 2005
                                • 42635
                                #58
                                Originally posted by MikeSmoke
                                wires cost way too much, especially if you're getting payments from many sources.
                                if you trust epass with your primary source of income, you're most trusting than I would ever be.
                                if you're operating that close to the line where you need the money in one day instead of one week, you're not operating in a "business" framework to start with.
                                and unless you live in the frozen tundra and have to get the dog team and sled out, it's really a burden to stop at the bank once a week?
                                Correct. This is supposed to be a business, not weekend beer money.
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                                  • BlackCrayon
                                    Too lazy to set a custom title
                                    • Jun 2003
                                    • 19634
                                    #59
                                    Originally posted by xlogger
                                    Hello, its 2006 people... I get checks from small programs and cbill. I have never cashed a check, they all get lost somewhere. I need the money NOW, checks are show as shit! Why do people even use that?
                                    if you need the money now your business skills must not be that great. i like checks, i save them all up over the course of a month then take them in. don't see how you could lose them. put them somewhere safe. much easier to keep books with checks too. with epass you don't have stubs and with wires its almost impossible to tell where its from as with my bank at least all its shows is a bunch of numbers beside the amount. i can't transfer money straight from epass to my bank since im in canada, and wires cost 25-50 bucks a shot.
                                    you don't know you're wearing a leash if you sit by the peg all day..

                                      Comment

                                      • Choppa
                                        Confirmed User
                                        • Mar 2006
                                        • 4079
                                        #60
                                        Cheques ( as we call them here) are fine by me, it shows a nice paper trail

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                                          • TheDoc
                                            Too lazy to set a custom title
                                            • Jul 2001
                                            • 13827
                                            #61
                                            Originally posted by BlackCrayon
                                            i can't transfer money straight from epass to my bank since im in canada, and wires cost 25-50 bucks a shot.
                                            You can use the visa card and just take the money out at the ATM.
                                            ~TheDoc - ICQ7765825
                                            It's all disambiguation

                                              Comment

                                              • BlackCrayon
                                                Too lazy to set a custom title
                                                • Jun 2003
                                                • 19634
                                                #62
                                                Originally posted by TheDoc
                                                You can use the visa card and just take the money out at the ATM.
                                                true, just adds an extra step as i would usually have to go into my bank and deposit it after taking it out of the atm. i still have to get one of those electron cards, they would in handy im sure.
                                                you don't know you're wearing a leash if you sit by the peg all day..

                                                  Comment

                                                  • cool1
                                                    sex is good
                                                    • Sep 2001
                                                    • 24939
                                                    #63
                                                    I don't really have a problem with checks
                                                    but I also don't like getting checks from overseas cause it cost me an arm and a leg to cash them.
                                                    also don't like bounced checks
                                                    so epassporte is my favorite way to go right now.

                                                      Comment

                                                      • Gottis
                                                        Confirmed User
                                                        • May 2004
                                                        • 1746
                                                        #64
                                                        Originally posted by Nicky
                                                        Yea, thats for you, here in Sweden they charge $130 to cash a US check, and it's a 4 weeks hold on the money due to fraud check. So for me wire's and epass is the only option.
                                                        Nah homie, SEB charges around $20 and if you're a good customer they don't charge shit nor hold the money.
                                                        Hit me up for ABC link trades - icq 7583011

                                                          Comment

                                                          • martinsc
                                                            Too lazy to set a custom title
                                                            • Jun 2005
                                                            • 27043
                                                            #65
                                                            Originally posted by Manowar
                                                            any reason?
                                                            i live in Israel and it takes ages for the money to arrive in my account...
                                                            Make Money

                                                              Comment

                                                              • CDSmith
                                                                Too lazy to set a custom title
                                                                • May 2001
                                                                • 51460
                                                                #66
                                                                Originally posted by rotterdammer
                                                                What do you think of a 15$ fee per check?
                                                                I think it's crazy.

                                                                At my bank (here in Winnipeg, Canada, NOT the usa btw) If I were to take a US funds cheque there and deposit it directly into my regular savings account, it would cost me something like $10 per cheque.

                                                                However,

                                                                If you register a US funds account, and deposit your US cheques into THAT, it costs you nothing. No fee. Nada. ZIP.

                                                                You can then do a funds transfer from your US account to your regular savings account, the system automatically exchanges the currency at the current rate... which again costs nothing.... and voila, your money is in your regular savings account. For free.

                                                                I don't know if they do this at all banks here, or if something like that can be done in the banks of other countries, but it's worth it to go and ask at your bank. It saves me several hundred bucks per year on wire fees and other fees.

                                                                And that, people, is why I like cheques.
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                                                                  • Agent 488
                                                                    Registered User
                                                                    • Feb 2006
                                                                    • 22511
                                                                    #67
                                                                    cuz ccbill only pays w/checks.

                                                                      Comment

                                                                      • Agent 488
                                                                        Registered User
                                                                        • Feb 2006
                                                                        • 22511
                                                                        #68
                                                                        wtf man i bank w/scotia and just put my checks in the machine and they issue a correction in a few days for the exchange difference no account transfers. that sounds difficult.

                                                                        Originally posted by CDSmith
                                                                        I think it's crazy.

                                                                        At my bank (here in Winnipeg, Canada, NOT the usa btw) If I were to take a US funds cheque there and deposit it directly into my regular savings account, it would cost me something like $10 per cheque.

                                                                        However,

                                                                        If you register a US funds account, and deposit your US cheques into THAT, it costs you nothing. No fee. Nada. ZIP.

                                                                        You can then do a funds transfer from your US account to your regular savings account, the system automatically exchanges the currency at the current rate... which again costs nothing.... and voila, your money is in your regular savings account. For free.

                                                                        I don't know if they do this at all banks here, or if something like that can be done in the banks of other countries, but it's worth it to go and ask at your bank. It saves me several hundred bucks per year on wire fees and other fees.

                                                                        And that, people, is why I like cheques.

                                                                          Comment

                                                                          • rotterdammer
                                                                            Confirmed User
                                                                            • Feb 2006
                                                                            • 1523
                                                                            #69
                                                                            for example:

                                                                            With my tgp's i sell ok with some CCbill sponsors, the ratios are not bad (1:189 and 1:550 and 1:380) so i would be silly not to using them anymore. However, I am going to receive my 1st check within a couple of days with the amount of 57 bucks so I have to pay 15 bucks fee over that.

                                                                            The check with the next payment will be 80 bucks or so, so I will have to pay another fucking 15 bucks again.

                                                                            Thats just sick!!!

                                                                            The only thing I can to about it, is promoting CCBill sponsors even more. Paying 15 bucks over 200 dollars is not as heavy as 15 bucks over a 60 dollar check!

                                                                            Damn

                                                                              Comment

                                                                              • mazdaman
                                                                                My Sig was too Big! :(
                                                                                • Apr 2006
                                                                                • 435
                                                                                #70
                                                                                Originally posted by Nicky
                                                                                Yea, thats for you, here in Sweden they charge $130 to cash a US check, and it's a 4 weeks hold on the money due to fraud check. So for me wire's and epass is the only option.

                                                                                your getting one shit deal, in england it is a charge of $15 and you get the money straight away, however there is the 4 week wait, but if your cheque bounces, then they take the money away from your account
                                                                                FAGGGGGGGGGGGGGGGG
                                                                                GGGGGGGGGGGGGGGGG
                                                                                GGGGG

                                                                                  Comment

                                                                                  • CDSmith
                                                                                    Too lazy to set a custom title
                                                                                    • May 2001
                                                                                    • 51460
                                                                                    #71
                                                                                    Originally posted by budsbabes
                                                                                    wtf man i bank w/scotia and just put my checks in the machine and they issue a correction in a few days for the exchange difference no account transfers. that sounds difficult.
                                                                                    The bank I do this at is National Bank. But my other bank is Scotia, and I've asked them before how I would best do it there. They do have fees, you best go check into what kind of fees they are charging you... because you are being charged fees, I can guarantee it.
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                                                                                      • BlackCrayon
                                                                                        Too lazy to set a custom title
                                                                                        • Jun 2003
                                                                                        • 19634
                                                                                        #72
                                                                                        Originally posted by budsbabes
                                                                                        wtf man i bank w/scotia and just put my checks in the machine and they issue a correction in a few days for the exchange difference no account transfers. that sounds difficult.
                                                                                        i do the same thing cdsmith does, its no more difficult than 3 or 4 clicks of a mouse with online banking. i don't trust putting US checks into the machines.
                                                                                        you don't know you're wearing a leash if you sit by the peg all day..

                                                                                          Comment

                                                                                          • CDSmith
                                                                                            Too lazy to set a custom title
                                                                                            • May 2001
                                                                                            • 51460
                                                                                            #73
                                                                                            I can honestly say that in the 8 years I've been in this business, not once has any of my cheques from US sponsors ever bounced.

                                                                                            Not once.


                                                                                            My bank puts no hold at all on them.
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                                                                                              • mazdaman
                                                                                                My Sig was too Big! :(
                                                                                                • Apr 2006
                                                                                                • 435
                                                                                                #74
                                                                                                recieving a cheque in the post also rules, what a feeling
                                                                                                FAGGGGGGGGGGGGGGGG
                                                                                                GGGGGGGGGGGGGGGGG
                                                                                                GGGGG

                                                                                                  Comment

                                                                                                  • BlackCrayon
                                                                                                    Too lazy to set a custom title
                                                                                                    • Jun 2003
                                                                                                    • 19634
                                                                                                    #75
                                                                                                    Originally posted by CDSmith
                                                                                                    I can honestly say that in the 8 years I've been in this business, not once has any of my cheques from US sponsors ever bounced.

                                                                                                    Not once.


                                                                                                    My bank puts no hold at all on them.
                                                                                                    same here, though its more like 7 and 1/2 for me. once in a while a teller wanted to put a hold on my cheques, i guess its what they do usually so they put a note on my account saying not to hold.
                                                                                                    you don't know you're wearing a leash if you sit by the peg all day..

                                                                                                      Comment

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