Canadians, where do you deposit your Fat american checks?? - GoFuckYourself.com

juice · 07-03-2003, 08:46 AM

Canadian banks seems to always freeze the funds for 25 days of checks above $1000...

Im thinking of going across the border and open an account...

is it pretty much what you all do..?

JFK · 07-03-2003, 08:53 AM

what are you with the IRS ? Or Canadian Customs and revenue ?

You can open a us funds acct in any major bank, they will only hold the funds for the first 30 days until the acct is established.After that you can usually have immediate acces to your funds.

PenetratinP · 07-03-2003, 08:53 AM

gigi · 07-03-2003, 08:53 AM

If you've been with your bank for a while and they know you, you might get away with not having it held.

If not, sometimes you have to 'prove' yourself to the bank....so a few held checks at the beginning, and then they generally won't hold it anymore.

Mine were never held because I had been with my bank for quite some time and do pretty much all my banking through them from loans to rrsp's etc...

I have this problem now that I moved to the interior and had to open a new account here. All my small checks are fine for deposit here, but my big ones are still sent down to Vancouver to my old bank who cashes them just fine.

Pipecrew · 07-03-2003, 08:57 AM

Open a USD dollar account and get a decent balance and they will never hold your checks, most just assume its like an American Paycheck.

chowda · 07-03-2003, 09:00 AM

im with the rbc.. and they told me they wont put a hold on checks as long as u have the CAD equivalentor more in ur cheq/save account...

Quotealex · 07-03-2003, 09:22 AM

Quote:

Originally posted by chowda
im with the rbc.. and they told me they wont put a hold on checks as long as u have the CAD equivalentor more in ur cheq/save account...

I'm also with RBC and deposit 4 degits checks without any holding period.

jact · 07-03-2003, 09:25 AM

Scotia have never held funds on me, Royal Bank however held a fucking US money order for 60 days so I refuse to deal with them ever again. I don't maintain a balance in my US account and I have immediate access to my funds at Scotia. Of course my business and personal banking is all done at the branch and they know me, so that helps.

Thrawn$ · 07-03-2003, 09:27 AM

Instant check

take 5min to change a check with no fucking question, they take 2.99%

digi · 07-03-2003, 09:28 AM

is rbc = royal bank of canada?

im going to canada in september and would also like to know which bank I should use

Pipecrew · 07-03-2003, 09:30 AM

Quote:

Originally posted by digi
is rbc = royal bank of canada?

im going to canada in september and would also like to know which bank I should use

Bank of Montreal is pretty sweet, so is CIBC

JFK · 07-03-2003, 09:31 AM

Quote:

Originally posted by digi
is rbc = royal bank of canada?

im going to canada in september and would also like to know which bank I should use

Try TD Canada Trust....open a Borderless Acct

archer · 07-03-2003, 09:32 AM

fat american CHEQUES (proper canadian spelling!!!!)

what the f**k are u talking about?

those cheques are looking pretty damn skinny nowadays with the american dollar tanking big time.... talk about a pay cut.

seven · 07-03-2003, 09:33 AM

Quote:

Originally posted by Alex from Montreal
I'm also with RBC and deposit 4 degits checks without any holding period.

Try a branch other than your main branch they'll put your check on hold for 25 days.. so basically tellers have to either know you or one of those nice ones NOT on a rag

StuartD · 07-03-2003, 09:41 AM

Royal Bank for me too... just slip them into the ATM machine and I'm good to go.

Dunno if I get special treatment for that... but they've never given me a problem for it. No holding or anything.

jact · 07-03-2003, 09:43 AM

Quote:

Originally posted by MaskedMan
Royal Bank for me too... just slip them into the ATM machine and I'm good to go.

Dunno if I get special treatment for that... but they've never given me a problem for it. No holding or anything.

When I was with Royal, I was told that depositing a US check in the ATM constitutes fraud and they would press charges if anyone did it. I guess times have changed.. Course, I haven't been with Royal for a long while....

FlyingIguana · 07-03-2003, 09:43 AM

Quote:

Originally posted by MaskedMan
Royal Bank for me too... just slip them into the ATM machine and I'm good to go.

Dunno if I get special treatment for that... but they've never given me a problem for it. No holding or anything.

i was told they would hold anything done through the atm. i ended up switching to scotiabank, they have much better policies in place.

StuartD · 07-03-2003, 09:44 AM

Cool... guess that makes me special.

I like my bank even more now

Quotealex · 07-03-2003, 09:49 AM

Quote:

Originally posted by archer
fat american CHEQUES (proper canadian spelling!!!!)

lol. people here will think you are writing it in French

CoolE · 07-03-2003, 09:52 AM

You need a new bank Juice. Yours is treating you like shit.

MaskedMan: you can deposit US checks in a bank machine with the RBC? I can't do that - last time I checked.

Archer: I always spell it "checks", and "colour" as "color" - just my way of rebelling against the Canadian Liberal establishment. It pisses central-Canadian Liberals off to see the American influence in Canada and it makes my day to piss those crooks off. Vive L'Alberta!

StuartD · 07-03-2003, 09:54 AM

Quote:

Originally posted by CoolE

MaskedMan: you can deposit US checks in a bank machine with the RBC? I can't do that - last time I checked.

Yup, I do all the time. I deposit it and it shows up instantly on my balance as the amount I deposited it for.

Then the next day or couple days later... I'll get a balance adjustment on my statement for the currency exchange from US to CAD.

I never go to a teller... the ATM is so much faster.

CoolE · 07-03-2003, 09:56 AM

Oh okay, but you can't deposit a US check into your US acct at an ATM? Last time I checked that was not possible.

quiet · 07-03-2003, 09:58 AM

i have no problems with bank of montreal. but i do know most of the tellers, as well as the manager.

Jimmer · 07-03-2003, 10:02 AM

I am with CIBC and never had a problem cashing cheques. I have been with them for a while though.

sexyclicks · 07-03-2003, 10:05 AM

Quote:

Originally posted by CoolE
Oh okay, but you can't deposit a US check into your US acct at an ATM? Last time I checked that was not possible.

that sucks so much I always have to go the line to deposit the US checks

gigi · 07-03-2003, 10:05 AM

I can't use the ATM to deposit my US checks (cheques..lol) either.

Quotealex · 07-03-2003, 10:14 AM

In September RBC will have some ATM (mostly the new ones) that will permit US cheque deposits. Until then, you can not deposit them into ATM even though some do.

Dusen · 07-03-2003, 10:21 AM

I went in to BMO, talked to the branch manager, and after a credit check they offered me 0 hold on US cheques. Although, as Alex said I don't have the option to deposit with ATMs.

Just go talk to someone in your bank who can get things done (Not a teller). If they want your money they will work to get it.

skillfull · 07-03-2003, 10:23 AM

i use Desjardins, and they doing good me,, they dont retain check if i have the cash in my accoutn allready, or freeze it for 10days (i think its reasonable) everyone have tell em they suck, but royal bank is a joke here and desjardins doesnt take a big cut on the currency changes

daprofessor · 07-03-2003, 10:26 AM

i use my bed, instant checking, works like an ATM, and i got myself instant 24 hour banking...
protected by viper, stand back!

Martin · 07-03-2003, 10:29 AM

Quotealex · 07-03-2003, 10:30 AM

Quote:

Originally posted by skillfull
i use Desjardins, and they doing good me,, they dont retain check if i have the cash in my accoutn allready, or freeze it for 10days (i think its reasonable) everyone have tell em they suck, but royal bank is a joke here and desjardins doesnt take a big cut on the currency changes

Technically Dejardins is not a bank and they don't have branches across the country (even around the world) like a real bank does.

Jimbo · 07-03-2003, 10:43 AM

make nice eyes to one of the girl working there shes gonna make sure your account is not being frozen.

I can deposit 5,000+ checks without a single min frozing.

07-03-2003, 10:44 AM

Laurentian Bank never freezes my checks.
I bring them many thousand dollar checks at a time and they just pay me in cold cash

juice · 07-03-2003, 10:45 AM

Quote:

Originally posted by Jimbo
make nice eyes to one of the girl working there shes gonna make sure your account is not being frozen.

I can deposit 5,000+ checks without a single min frozing.

where?

Im at RoyalBank...and they are a pain in the ass...

Jimbo · 07-03-2003, 11:13 AM

Quote:

Originally posted by juice

where?

Im at RoyalBank...and they are a pain in the ass...

I'm with National Bank Of Canada. You shouldn't have any problems at Royal Bank.

just always go to the same bank and when they say we'll have to freeze that for 15days, say : "I deposited check from these companies last [week,month,or whatever]; ask this girl working for the bank who was there, she saw the checks".

you have to let them know your not writing check in your basement thats all, if the previous went true this one should too. all about trust. Make them trust you or at least one employee whos always there.

Seriously I only got frozen once!

sherie · 07-03-2003, 11:18 AM

In my fat US bank account, right here!

directfiesta · 07-03-2003, 12:15 PM

Lately, my checks have been on a diet....

Quotealex · 07-04-2003, 10:48 AM

Quote:

Originally posted by directfiesta
Lately, my checks have been on a diet....

Same here. Every summer the damn cheques become thinner.

jojojo · 07-04-2003, 11:01 AM

First of all.. Royal Bank is great is for me

Understand that it is 'teller discretion' whether they put any hold at all. If they don't know you etc and you have no money in your account etc - they can hold it - however you can request that after 5 days they call the US bank that issued the check and verify that it has cleared - then they will release it - they will charge you a few bucks for the long distance phone call too if you can beleive it.

Here is what you do. Always go to your home branch. Try and deal with the same tellers all the time. And the most ideal thing is to talk to the branch manager after a few months of depositting so many US checks on a regular basis and ask them to put notes on your account that say: Do not hold US checks

Once you have that - it doesn't matter what teller you get or what they say - just tell them to check the notes.

And of course this should be academic but show up dressed professional and act reserved until you get those notes

GTS Mark · 07-04-2003, 11:09 AM

I use CIBC and have all my business/personal with them.

Nothing is ever held. I have access to my money at all times.

DH

ZoiNk · 07-04-2003, 11:16 AM

I use TD canada trust. Let them know the checks are all work related, and once the tellers know you, they won't put any holds on them. I opened my account and was instantly depositing us cheques, took ~3 months of 25 day holds and then never had any holds again (that was years ago).
ZoiNk

07-03-2003, 08:46 AM	#1
juice Confirmed User Join Date: Jan 2003 Posts: 628	Canadians, where do you deposit your Fat american checks?? Canadian banks seems to always freeze the funds for 25 days of checks above $1000... Im thinking of going across the border and open an account... is it pretty much what you all do..?

07-03-2003, 08:53 AM	#2
JFK FUBAR the ORIGINATOR Industry Role: Join Date: Jan 2002 Location: FUBARLAND Posts: 67,374	what are you with the IRS ? Or Canadian Customs and revenue ? You can open a us funds acct in any major bank, they will only hold the funds for the first 30 days until the acct is established.After that you can usually have immediate acces to your funds. __________________ FUBAR Webmasters - The FUBAR Times - FUBAR Webmasters Mobile - FUBARTV.XXX For promo opps contact jfk at fubarwebmasters dot com

07-03-2003, 08:53 AM	#4
gigi Confirmed User Join Date: Apr 2001 Location: Vancouver, BC, Canada Posts: 691	If you've been with your bank for a while and they know you, you might get away with not having it held. If not, sometimes you have to 'prove' yourself to the bank....so a few held checks at the beginning, and then they generally won't hold it anymore. Mine were never held because I had been with my bank for quite some time and do pretty much all my banking through them from loans to rrsp's etc... I have this problem now that I moved to the interior and had to open a new account here. All my small checks are fine for deposit here, but my big ones are still sent down to Vancouver to my old bank who cashes them just fine. __________________ eMail ICQ: 32862272

07-03-2003, 09:00 AM	#6
chowda Confirmed User Join Date: Jun 2003 Location: Gooch city Posts: 9,527	im with the rbc.. and they told me they wont put a hold on checks as long as u have the CAD equivalentor more in ur cheq/save account... __________________ Someone finds you... 2007 PS: Nationalnet is the best host I've ever had. And i tried alot of them.

07-03-2003, 09:25 AM	#8
jact Confirmed User Join Date: Sep 2002 Location: Oakville, Canada Posts: 9,134	Scotia have never held funds on me, Royal Bank however held a fucking US money order for 60 days so I refuse to deal with them ever again. I don't maintain a balance in my US account and I have immediate access to my funds at Scotia. Of course my business and personal banking is all done at the branch and they know me, so that helps. __________________ Free agent

07-03-2003, 08:53 AM	#3
PenetratinP Confirmed User Industry Role: Join Date: Aug 2002 Posts: 2,689	.

07-03-2003, 08:57 AM	#5
Pipecrew Master of Gfy.com Industry Role: Join Date: Feb 2002 Posts: 14,887	Open a USD dollar account and get a decent balance and they will never hold your checks, most just assume its like an American Paycheck.

07-03-2003, 09:27 AM	#9
Thrawn$ Confirmed User Join Date: Apr 2002 Location: Mtl Posts: 4,596	Instant check take 5min to change a check with no fucking question, they take 2.99% __________________ Tracking 202 \| Start Tracking PPC Campaigns Like A Pro

07-03-2003, 09:28 AM	#10
digi Confirmed User Join Date: Feb 2002 Location: ON, Canada Posts: 1,314	is rbc = royal bank of canada? im going to canada in september and would also like to know which bank I should use

07-03-2003, 09:32 AM	#13
archer Confirmed User Join Date: Jul 2002 Location: Canada Posts: 1,721	fat american CHEQUES (proper canadian spelling!!!!) what the f**k are u talking about? those cheques are looking pretty damn skinny nowadays with the american dollar tanking big time.... talk about a pay cut. __________________ Looking to promote uncut cock? Check out Uncut Cash. It rocks.

07-03-2003, 09:41 AM	#15
StuartD Sofa King Band Join Date: Jul 2002 Location: Outside the box Posts: 29,903	Royal Bank for me too... just slip them into the ATM machine and I'm good to go. Dunno if I get special treatment for that... but they've never given me a problem for it. No holding or anything. __________________ This is me on facebook This is me on twitter

07-03-2003, 09:44 AM	#18
StuartD Sofa King Band Join Date: Jul 2002 Location: Outside the box Posts: 29,903	Cool... guess that makes me special. I like my bank even more now __________________ This is me on facebook This is me on twitter

07-03-2003, 09:52 AM	#20
CoolE Confirmed User Join Date: Jul 2002 Location: Canada Posts: 451	You need a new bank Juice. Yours is treating you like shit. MaskedMan: you can deposit US checks in a bank machine with the RBC? I can't do that - last time I checked. Archer: I always spell it "checks", and "colour" as "color" - just my way of rebelling against the Canadian Liberal establishment. It pisses central-Canadian Liberals off to see the American influence in Canada and it makes my day to piss those crooks off. Vive L'Alberta!

07-03-2003, 09:56 AM	#22
CoolE Confirmed User Join Date: Jul 2002 Location: Canada Posts: 451	Oh okay, but you can't deposit a US check into your US acct at an ATM? Last time I checked that was not possible.

07-03-2003, 09:58 AM	#23
quiet we'll miss you our friend. RIP Industry Role: Join Date: Sep 2001 Location: Fernie, BC Posts: 25,115	i have no problems with bank of montreal. but i do know most of the tellers, as well as the manager.

07-03-2003, 10:02 AM	#24
Jimmer Confirmed User Join Date: Mar 2002 Location: Waterloo Ont Posts: 878	I am with CIBC and never had a problem cashing cheques. I have been with them for a while though.

07-03-2003, 10:05 AM	#26
gigi Confirmed User Join Date: Apr 2001 Location: Vancouver, BC, Canada Posts: 691	I can't use the ATM to deposit my US checks (cheques..lol) either. __________________ eMail ICQ: 32862272

07-03-2003, 10:14 AM	#27
Quotealex Confirmed User Join Date: Sep 2001 Location: The Global Digerati Village Posts: 6,265	In September RBC will have some ATM (mostly the new ones) that will permit US cheque deposits. Until then, you can not deposit them into ATM even though some do.

07-03-2003, 10:21 AM	#28
Dusen Confirmed User Join Date: Aug 2002 Location: East Coast. Posts: 2,251	I went in to BMO, talked to the branch manager, and after a credit check they offered me 0 hold on US cheques. Although, as Alex said I don't have the option to deposit with ATMs. Just go talk to someone in your bank who can get things done (Not a teller). If they want your money they will work to get it. __________________ Penis Pill Sponsor List and Reviews: http://www.pillsponsors.com

07-03-2003, 10:23 AM	#29
skillfull Confirmed User Industry Role: Join Date: Apr 2003 Location: Quebec Calisse Posts: 4,716	i use Desjardins, and they doing good me,, they dont retain check if i have the cash in my accoutn allready, or freeze it for 10days (i think its reasonable) everyone have tell em they suck, but royal bank is a joke here and desjardins doesnt take a big cut on the currency changes __________________ mind at underdark dot cc SEO Analyst Thunder-Ball.net - Member

07-03-2003, 10:26 AM	#30
daprofessor Registered User Join Date: Jun 2003 Location: Compton Posts: 52	i use my bed, instant checking, works like an ATM, and i got myself instant 24 hour banking... protected by viper, stand back!

07-03-2003, 10:29 AM	#31
Martin "Assassins" Industry Role: Join Date: Dec 2001 Location: At home Posts: 17,277	cibc __________________

07-03-2003, 10:43 AM	#33
Jimbo Confirmed User Industry Role: Join Date: Oct 2001 Location: Montreal Posts: 3,989	make nice eyes to one of the girl working there shes gonna make sure your account is not being frozen. I can deposit 5,000+ checks without a single min frozing. __________________ free sex videos

07-03-2003, 10:44 AM	#34
buddyjuf Guest Posts: n/a	Laurentian Bank never freezes my checks. I bring them many thousand dollar checks at a time and they just pay me in cold cash

07-03-2003, 11:18 AM	#37
sherie Confirmed User Join Date: Feb 2002 Posts: 7,020	In my fat US bank account, right here! __________________ AIM sherierocks ICQ 127-296-286 Skype traffichor

07-03-2003, 12:15 PM	#38
directfiesta Too lazy to set a custom title Industry Role: Join Date: Oct 2002 Location: Punta Cana, DR Posts: 29,942	Lately, my checks have been on a diet.... __________________ I know that Asspimple is stoopid ... As he says, it is a FACT ! But I can't figure out how he can breathe or type , at the same time ....

07-04-2003, 11:01 AM	#40
jojojo Too lazy to set a custom title Join Date: Mar 2002 Location: Vancouver, BC Posts: 2,318	First of all.. Royal Bank is great is for me Understand that it is 'teller discretion' whether they put any hold at all. If they don't know you etc and you have no money in your account etc - they can hold it - however you can request that after 5 days they call the US bank that issued the check and verify that it has cleared - then they will release it - they will charge you a few bucks for the long distance phone call too if you can beleive it. Here is what you do. Always go to your home branch. Try and deal with the same tellers all the time. And the most ideal thing is to talk to the branch manager after a few months of depositting so many US checks on a regular basis and ask them to put notes on your account that say: Do not hold US checks Once you have that - it doesn't matter what teller you get or what they say - just tell them to check the notes. And of course this should be academic but show up dressed professional and act reserved until you get those notes __________________ Learn SEO - make $$ residually - icq me 333485092

07-04-2003, 11:09 AM	#41
GTS Mark Vrume Mark Industry Role: Join Date: Jan 2001 Location: Toronto, Canada Posts: 20,912	I use CIBC and have all my business/personal with them. Nothing is ever held. I have access to my money at all times. DH

07-04-2003, 11:16 AM	#42
ZoiNk Confirmed User Join Date: Feb 2002 Location: Canada Posts: 2,370	I use TD canada trust. Let them know the checks are all work related, and once the tellers know you, they won't put any holds on them. I opened my account and was instantly depositing us cheques, took ~3 months of 25 day holds and then never had any holds again (that was years ago). ZoiNk __________________ "People can have the Model T in any color - so long as it's black." - Henry Ford