vaxvmsferroequine fan Premium Member join:2005-03-01 Polar Park |
vaxvms
Premium Member
2013-May-10 12:56 pm
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. |
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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. |
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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.. |
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·Metronet
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. |
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Kilroy MVM join:2002-11-21 Saint Paul, MN |
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. |
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2 recommendations |
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 |
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Kilroy MVM join:2002-11-21 Saint Paul, MN |
Kilroy
MVM
2013-May-10 3:10 pm
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. |
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StuartMW
Premium Member
2013-May-10 3:13 pm
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) |
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vaxvmsferroequine fan Premium Member join:2005-03-01 Polar Park
1 recommendation |
vaxvms
Premium Member
2013-May-10 3:46 pm
When they start asking for Facebook account info I'll never be able to cash another check. |
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1 recommendation |
StuartMW
Premium Member
2013-May-10 3:52 pm
Me either. |
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TheJoker MVM join:2001-04-26 Charlottesville, VA
2 recommendations |
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? |
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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). |
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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 |
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vaxvmsferroequine fan Premium Member join:2005-03-01 Polar Park |
to PX Eliezer1
said by PX Eliezer1: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. |
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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. |
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BlackbirdBuilt for Speed Premium Member join:2005-01-14 Fort Wayne, IN |
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. |
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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. |
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Anonymous_Anonymous Premium Member join:2004-06-21 127.0.0.1 1 edit
3 recommendations |
to vaxvms
In capitalist America, bank robs you! |
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Mele20 Premium Member join:2001-06-05 Hilo, HI
1 recommendation |
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. |
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BlackbirdBuilt for Speed Premium Member join:2005-01-14 Fort Wayne, IN |
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. |
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JuggernautIrreverent or irrelevant? Premium Member join:2006-09-05 Kelowna, BC |
to PX Eliezer1
said by PX Eliezer1: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. |
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vaxvmsferroequine fan Premium Member join:2005-03-01 Polar Park |
vaxvms
Premium Member
2013-May-10 9:20 pm
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. |
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SnowyLock him up!!! Premium Member join:2003-04-05 Kailua, HI |
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_ ··· ,00.html |
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AVDRespice, Adspice, Prospice Premium Member join:2003-02-06 Onion, NJ |
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. |
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AVD |
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? |
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StuartMW
Premium Member
2013-May-11 4:21 pm
quote: Oh, you want a check? I thought you wanted money!
--Jeff Foxworthy
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BlackbirdBuilt for Speed Premium Member join:2005-01-14 Fort Wayne, IN |
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". |
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Phoenix22Death From Above Premium Member join:2001-12-11 SOG C&C Nrth |
to vaxvms
you still use currency???????? |
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BlackbirdBuilt for Speed Premium Member join:2005-01-14 Fort Wayne, IN |
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.) |
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to Phoenix22
Everyone I know does - I know of no one who does not use cash at all. |
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