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vaxvms
ferroequine fan
Premium
join:2005-03-01
Wormtown
kudos:3
Reviews:
·Charter

Thumb print required to cash a check?

Is it SOP for a bank to require a thumb print in order to cash a check?

I went into a branch of local_bank to cash a check I had received that was written on an account at local_bank. I don't have an account at local_bank. There are signs all around the tellers saying 2 forms of ID required. I get to the teller, hand over the check and IDs. The teller asks me if I have an account at local_bank. Before I can finish saying no, he's got an ink pad in front of me and is telling me to put my thumb print on the check.
My thumb print? Really? This is a joke, right?
No sir I can't cash the check without your thumb print on the check.
You need 2 forms of id AND my thumb print to give me $25?
Yes sir.
--
The new Oldsmobiles are in early this year!

drjenkins

join:2005-03-30
Bealeton, VA
The last time I cashed a check at an Air Force Base Exchange (BX) I had to put a thumb print on the check and they took a picture of the check and my face. They had a camera stand with a mirror that would focus on both the check and my smiling face.

redwolfe_98
Premium
join:2001-06-11
kudos:1
Reviews:
·Time Warner Cable
reply to vaxvms
i have been asked to put my fingerprint on checks, before.. however, i am not always asked to do that.. i didn't worry about it..

i think that what is odd is that it seems that, whenever i use cash, the clerk uses an an ink pen to make sure that it isn't counterfeit.. i don't know what i would do if the money ever turned out to be counterfeit..


CylonRed
Premium,MVM
join:2000-07-06
Bloom County

1 recommendation

quote:
i think that what is odd is that it seems that, whenever i use cash, the clerk uses an an ink pen to make sure that it isn't counterfeit.. i don't know what i would do if the money ever turned out to be counterfeit..
Not odd at all - it is far quicker to use the pen than to try and find the security measures - especially in a busy store.

Counterfeit bills have been found locally before. Be up from and honest and if you got money from an ATM it will likely have more of them. Same from a drawer of a bank teller. They will check you out but if nothing is suspicious then nothing will happen.

I have never been asked for a fingerprint - I believed our credit unions test ATM had a finger print ID but they were never tolled out. I believe these machines could do far more than take money in and give money out.

I am not the least surprised with the number of bad checks and scams that if you do not have a working relationship with the bank - they are going to try and protect themselves as much as possible.
--
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain


Kilroy
Premium,MVM
join:2002-11-21
Saint Paul, MN
reply to vaxvms
If you're not a customer yes. I used to work for a bank and that was SOP (Standard Operating Procedure) Even with two forms of ID they have no proof of who you are, fake IDs aren't unheard of. With a thumb print they have someone to come after if there are issues with the check.
--
“Progress isn't made by early risers. It's made by lazy men trying to find easier ways to do something.” ¯ Robert A. Heinlein


StuartMW
Who Is John Galt?
Premium
join:2000-08-06
Galt's Gulch
kudos:2

2 recommendations

reply to vaxvms
Well Bob et al already have all my fingerprints etc (not because I'm a criminal) so I guess I better not try and cash suspect checks
--
Don't feed trolls--it only makes them grow!


Kilroy
Premium,MVM
join:2002-11-21
Saint Paul, MN
said by StuartMW:

Well Bob et al already have all my fingerprints etc (not because I'm a criminal) so I guess I better not try and cash suspect checks

You an me both brother. They should have a few sets to see if they have changed over the years.
--
“Progress isn't made by early risers. It's made by lazy men trying to find easier ways to do something.” ¯ Robert A. Heinlein


StuartMW
Who Is John Galt?
Premium
join:2000-08-06
Galt's Gulch
kudos:2
said by Kilroy:

They should have a few sets to see if they have changed over the years.

Yup. Multiple sets of ink prints and electronic scans too

. o O (My life of crime ended before it ever got started)
--
Don't feed trolls--it only makes them grow!


vaxvms
ferroequine fan
Premium
join:2005-03-01
Wormtown
kudos:3

1 recommendation

reply to vaxvms
When they start asking for Facebook account info I'll never be able to cash another check.
--
The new Oldsmobiles are in early this year!


StuartMW
Who Is John Galt?
Premium
join:2000-08-06
Galt's Gulch
kudos:2

1 recommendation

Me either.


TheJoker
Premium,VIP,MVM
join:2001-04-26
Charlottesville, VA
kudos:5

2 recommendations

reply to vaxvms
said by vaxvms:

When they start asking for Facebook account info I'll never be able to cash another check.

You mean there's another person (besides me) that doesn't have a Facebook account?
--
Proud ASAP member since 2005
Microsoft MVP/Consumer Security 2009-2010

PX Eliezer
Premium
join:2013-03-10
Graustark
kudos:6
Reviews:
·Optimum Voice
·callwithus
·Callcentric
reply to vaxvms
said by vaxvms:

Is it SOP for a bank to require a thumb print in order to cash a check?

Not unusual.

The system these days expects that you'll cash that check at [your] bank. That way you don't get hit with a fee either.

Under current rules, your bank should give you the first $200 the next business day, and the rest of it the day after (unless over $5,000 or something else special).


StuartMW
Who Is John Galt?
Premium
join:2000-08-06
Galt's Gulch
kudos:2
reply to TheJoker
said by TheJoker:

You mean there's another person (besides me) that doesn't have a Facebook account?

Yup.

»Pretty sure you're dead
--
Don't feed trolls--it only makes them grow!


vaxvms
ferroequine fan
Premium
join:2005-03-01
Wormtown
kudos:3
Reviews:
·Charter
reply to PX Eliezer
said by PX Eliezer:

The system these days expects that you'll cash that check at [your] bank. That way you don't get hit with a fee either.

It was easier to get to local_bank. There's a branch across the street from where I work. And if they had told me I'd have to pay a fee to cash a check drawn on an account at that bank I would have been taken for a ride in a car with blue flashing lights.
--
The new Oldsmobiles are in early this year!


goalieskates
Premium
join:2004-09-12
land of big
reply to Kilroy
said by Kilroy:

If you're not a customer yes. I used to work for a bank and that was SOP (Standard Operating Procedure) Even with two forms of ID they have no proof of who you are, fake IDs aren't unheard of. With a thumb print they have someone to come after if there are issues with the check.

But only if that thumbprint is in some database and can be identified, and only if the cost of the lookup/pursuit is cost effective. I doubt a $25 check would fall under cost-effective.

This sounds like another entry for security theater. Good grief.


Blackbird
Built for Speed
Premium
join:2005-01-14
Fort Wayne, IN
kudos:3
Reviews:
·Frontier Communi..
said by goalieskates:

said by Kilroy:

If you're not a customer yes. I used to work for a bank and that was SOP (Standard Operating Procedure) Even with two forms of ID they have no proof of who you are, fake IDs aren't unheard of. With a thumb print they have someone to come after if there are issues with the check.

But only if that thumbprint is in some database and can be identified, and only if the cost of the lookup/pursuit is cost effective. I doubt a $25 check would fall under cost-effective.

This sounds like another entry for security theater. Good grief.

I suspect the thumbprint isn't for routinely identifying you just for cashing the check... it's for identifying you if the check turns out to be forged or faked. In the case of a bad check, the bank can have the thumbprint run through various LE databases to try to get a match for the perp.
--
“The American Republic will endure until the day Congress discovers that it can bribe the public with the public's money.” A. de Tocqueville


CylonRed
Premium,MVM
join:2000-07-06
Bloom County
And if they identify a person on tape and think they know who that person is - they can use the finger prints to make sure.
--
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain


Anonymous_
Anonymous
Premium
join:2004-06-21
127.0.0.1
kudos:2

1 edit

3 recommendations

reply to vaxvms
In capitalist America, bank robs you!

Mele20
Premium
join:2001-06-05
Hilo, HI
kudos:5

1 recommendation

reply to goalieskates
said by goalieskates:

But only if that thumbprint is in some database and can be identified, and only if the cost of the lookup/pursuit is cost effective. I doubt a $25 check would fall under cost-effective.

This sounds like another entry for security theater. Good grief.

If you have a driver's license and/or Hawaii State ID then your fingerprints are on file since the 70's. I haven't seen any signs in banks here about 2 forms of ID needed much less fingerprints to cash a check at a bank other than one you have an account with. The OP should have used his cell phone to take a pic and deposit it (that's being pushed here) and then withdraw the money from his own account. We will all be going back to writing lots of checks as soon as merchants start the charge back fee they now can down when we use a credit card to purchase. To avoid the new charge back fee we'll have to start writing checks instead or use cash.
--
When governments fear people, there is liberty. When the people fear the government, there is tyranny. Thomas Jefferson


Blackbird
Built for Speed
Premium
join:2005-01-14
Fort Wayne, IN
kudos:3
Reviews:
·Frontier Communi..
said by Mele20:

... If you have a driver's license and/or Hawaii State ID then your fingerprints are on file since the 70's. I haven't seen any signs in banks here about 2 forms of ID needed much less fingerprints to cash a check at a bank other than one you have an account with. ...

If I were the bank and had to stand for the cost of a successfully-passed bad check, I'd want the check-presenter's actual thumbprint on the check. While remotely possible, it's harder to come by a fake, real-time thumbprint than a fake driver's license or other ID.
--
“The American Republic will endure until the day Congress discovers that it can bribe the public with the public's money.” A. de Tocqueville


Juggernaut
Irreverent or irrelevant?
Premium
join:2006-09-05
Kelowna, BC
kudos:2
reply to PX Eliezer
said by PX Eliezer:

Under current rules, your bank should give you the first $200 the next business day, and the rest of it the day after (unless over $5,000 or something else special).

My bank here allows access to the first $2000 (for me anyway) on deposited cheques, and the rest in 2-3 business days. Of course, if it bounces, the credit is withdrawn.
--
"I fear the day that technology will surpass our human interaction. The world will have a generation of idiots." ~ Albert Einstein


vaxvms
ferroequine fan
Premium
join:2005-03-01
Wormtown
kudos:3
Reviews:
·Charter
reply to vaxvms
I'm no longer going to accept checks from ANYONE. Cash only to provide me with money. Payroll is already direct deposit. The only exception will be from people who are not nearby. Still, cash in a USPS envelope is an invitation to theft.
--
The new Oldsmobiles are in early this year!


Snowy
Premium
join:2003-04-05
Kailua, HI
kudos:6
Reviews:
·Time Warner Cable
·Clearwire Wireless
reply to Blackbird
said by Blackbird:

I'd want the check-presenter's actual thumbprint on the check. While remotely possible, it's harder to come by a fake, real-time thumbprint than a fake driver's license or other ID.

But if you were a bank you'd also have managers with a minimum half a brain

"No Thumbprint, No Check-Cashing, Bank Told Armless Man"
»www.foxnews.com/printer_friendly···,00.html


AVD
Respice, Adspice, Prospice
Premium
join:2003-02-06
Onion, NJ
kudos:1
reply to TheJoker
said by TheJoker:

said by vaxvms:

When they start asking for Facebook account info I'll never be able to cash another check.

You mean there's another person (besides me) that doesn't have a Facebook account?

90% of humans in the western world over the age of 13 without a facebook account post in this forum.
--
* seek help if having trouble coping
--Standard disclaimers apply.--


AVD
Respice, Adspice, Prospice
Premium
join:2003-02-06
Onion, NJ
kudos:1
reply to Blackbird
said by Blackbird:

said by Mele20:

... If you have a driver's license and/or Hawaii State ID then your fingerprints are on file since the 70's. I haven't seen any signs in banks here about 2 forms of ID needed much less fingerprints to cash a check at a bank other than one you have an account with. ...

If I were the bank and had to stand for the cost of a successfully-passed bad check, I'd want the check-presenter's actual thumbprint on the check. While remotely possible, it's harder to come by a fake, real-time thumbprint than a fake driver's license or other ID.

can I fingerprint the guy who gave me the check?
--
* seek help if having trouble coping
--Standard disclaimers apply.--


StuartMW
Who Is John Galt?
Premium
join:2000-08-06
Galt's Gulch
kudos:2
quote:
Oh, you want a check? I thought you wanted money!

--Jeff Foxworthy

--
Don't feed trolls--it only makes them grow!


Blackbird
Built for Speed
Premium
join:2005-01-14
Fort Wayne, IN
kudos:3
Reviews:
·Frontier Communi..
reply to AVD
said by AVD:

said by Blackbird:

said by Mele20:

... If you have a driver's license and/or Hawaii State ID then your fingerprints are on file since the 70's. I haven't seen any signs in banks here about 2 forms of ID needed much less fingerprints to cash a check at a bank other than one you have an account with. ...

If I were the bank and had to stand for the cost of a successfully-passed bad check, I'd want the check-presenter's actual thumbprint on the check. While remotely possible, it's harder to come by a fake, real-time thumbprint than a fake driver's license or other ID.

can I fingerprint the guy who gave me the check?

You could always try. Since a check is not "legal tender", there's no law saying anybody has to simply accept one just because it's offered. People and organizations won't accept a check unless 'proper' ID is provided - and the check's acceptor (at every stage) gets to decide what is proper in their estimation. Otherwise, since a check is simply a paper promise to pay-on-demand from an owned account, if the offerer's ID isn't acceptable to a recipient, it constitutes a worthless promise - hence, "no deal".
--
“The American Republic will endure until the day Congress discovers that it can bribe the public with the public's money.” A. de Tocqueville


Phoenix22
Death From Above
Premium
join:2001-12-11
SOG C&C Nrth
reply to vaxvms
you still use currency????????


Blackbird
Built for Speed
Premium
join:2005-01-14
Fort Wayne, IN
kudos:3
Reviews:
·Frontier Communi..
said by Phoenix22:

you still use currency????????

A lot of us still do. And judging by the number of cash drawers at merchants and banks, many others still do as well. And, if merchants start charging customer fees for credit card usage (since they're now allowed to by the card issuers, and a number of smaller merchants are already doing it), you may see quite a few more folks using cash. (It's a lot easier handing a cashier a $10 bill than writing a check for a quick fast-food meal.)
--
“The American Republic will endure until the day Congress discovers that it can bribe the public with the public's money.” A. de Tocqueville


CylonRed
Premium,MVM
join:2000-07-06
Bloom County
reply to Phoenix22
Everyone I know does - I know of no one who does not use cash at all.