• We’re currently investigating an issue related to the forum theme and styling that is impacting page layout and visual formatting. The problem has been identified, and we are actively working on a resolution. There is no impact to user data or functionality, this is strictly a front-end display issue. We’ll post an update once the fix has been deployed. Thanks for your patience while we get this sorted.

Bank tells armless man: "No thumbprint, can't cash your check."

Page 3 - Seeking answers? Join the AnandTech community: where nearly half-a-million members share solutions and discuss the latest tech.
I had a cast on my right arm and was told not to drive because I would be liable in an accident. This asshole had no arms and is driving around, saw it on TV.
 
Originally posted by: Turin39789
Originally posted by: SonnyDaze
:thumbsdown: for that bank. I'd find a new bank.
Click to expand...

I agree, he should reach out for a better bank.
Click to expand...

i gotta hand this one to you.

but at anyrate, that wasn't his bank. and i believe the thumb print is only required if you do not have an account. I tried to cash a bank of america check there once, and i had to give a thumb print because i don't have an account there.

if i do it at my wells fargo bank, no problem.
 
Originally posted by: Atomic Playboy
Yes, the point of the thumbprint is so they can use it as identification.
Click to expand...

No. When officially rolled out (for Bank of America anyway) it was announced that it would be used internally to track what they thought were organized groups passing bad checks.

The real reason they rolled it out is some marketing genius somewhere did the math, and found that inconveniencing people was more likely to either get them to open an account or deal with their own banks.

It might be surprising to some, but having a teller standing there to cash your check costs the bank money. And every second they are dealing with someone who doesn't have an account is a second that they are inconveniencing an account holder, who might be tempted to take his business elsewhere.

So this hassle that they put you through when you try and cash a check at a bank you don't hold an account with is calculated. They are betting next time you inconvenience your own bank with your presence.


 
Originally posted by: Pantoot
Originally posted by: Atomic Playboy
Yes, the point of the thumbprint is so they can use it as identification.
Click to expand...

No. When officially rolled out (for Bank of America anyway) it was announced that it would be used internally to track what they thought were organized groups passing bad checks.

The real reason they rolled it out is some marketing genius somewhere did the math, and found that inconveniencing people was more likely to either get them to open an account or deal with their own banks.

It might be surprising to some, but having a teller standing there to cash your check costs the bank money. And every second they are dealing with someone who doesn't have an account is a second that they are inconveniencing an account holder, who might be tempted to take his business elsewhere.

So this hassle that they put you through when you try and cash a check at a bank you don't hold an account with is calculated. They are betting next time you inconvenience your own bank with your presence.
Click to expand...

Why should I have to wait 3 days for a check to clear at my bank when I can go exchange for cash the same day?
 
amazing.

not that the bank would refuse the guy. if its not in the rules people can't think outside the box. whats amazing is people are defending the bank.

 
When they asked for his thumbprint he should have given them the finger instead.
 
Originally posted by: Perknose
When they asked for his thumbprint he should have given them the finger instead.
Click to expand...

Yeah, Perk, I'd be up in arms over the whole matter.
 
Originally posted by: Phoenix86
Originally posted by: dullard
Could someone here please explain why that bank (or any bank) should be forced to cash any check with someone who refuses to do business with that bank (ie someone who won't open an account)?

Should Microsoft be forced to provide Excel technical support to someone who didn't buy Office? Should a theater be forced to show a movie to someone who refuses to buy a ticket? Should a taxi be forced to haul someone's luggage if that person won't pay the fare?
Click to expand...

Something about the bank's customer authorizing it, I suspect.

Bank is servicing the account holder, not the person cashing the check.
Click to expand...

I was wondering this too.

I didn't even realize you could walk into a bank you didn't have an account with and cash a check. I always just went to the bank I have my account with to cash/deposit a check.

Is there any particular reason a person wouldn't want an account with one bank somewhere now and days?
 
Originally posted by: Perknose
Originally posted by: Perknose
When they asked for his thumbprint he should have given them the finger instead.
Click to expand...

Yeah, Perk, I'd be up in arms over the whole matter.
Click to expand...

Agreed, the bank needs to shoulder its responsibility here.
 
Originally posted by: Perknose
Originally posted by: Perknose
When they asked for his thumbprint he should have given them the finger instead.
Click to expand...

Yeah, Perk, I'd be up in arms over the whole matter.
Click to expand...

Yea, fists in the air - let's rise up and stop this.
 
Originally posted by: oogabooga


Is there any particular reason a person wouldn't want an account with one bank somewhere now and days?
Click to expand...

I would like to know this answer as well. In fact there are many many people who don't have bank acct. and cash their check at payday places.
 
Originally posted by: Perknose
Originally posted by: Perknose
Originally posted by: Perknose
When they asked for his thumbprint he should have given them the finger instead.
Click to expand...

Yeah, Perk, I'd be up in arms over the whole matter.
Click to expand...

Agreed, the bank needs to shoulder its responsibility here.
Click to expand...

This man was obviously unequipped for the digital age.
 
Originally posted by: oogabooga
Originally posted by: Phoenix86
Originally posted by: dullard
Could someone here please explain why that bank (or any bank) should be forced to cash any check with someone who refuses to do business with that bank (ie someone who won't open an account)?

Should Microsoft be forced to provide Excel technical support to someone who didn't buy Office? Should a theater be forced to show a movie to someone who refuses to buy a ticket? Should a taxi be forced to haul someone's luggage if that person won't pay the fare?
Click to expand...

Something about the bank's customer authorizing it, I suspect.

Bank is servicing the account holder, not the person cashing the check.
Click to expand...

I was wondering this too.

I didn't even realize you could walk into a bank you didn't have an account with and cash a check. I always just went to the bank I have my account with to cash/deposit a check.

Is there any particular reason a person wouldn't want an account with one bank somewhere now and days?
Click to expand...

My bank will hold your check banks check for 3 days or more. I can goto your bank and cash your check right away. I'll take my money now rather than let it "float around in limbo" for 3 days.

 
Originally posted by: Baked
Originally posted by: oogabooga


Is there any particular reason a person wouldn't want an account with one bank somewhere now and days?
Click to expand...

I would like to know this answer as well. In fact there are many many people who don't have bank acct. and cash their check at payday places.
Click to expand...

Many are listed in Chexsystems, which blacklists them as deadbeats (whether they deserved it or not) and banks won't touch them. Others just don't want to pay monthly fees, don't trust the man, or simply want to remain a ghost in the machine.
 
Originally posted by: dullard
Originally posted by: Turin39789
:thumbsdown::thumbsdown:

Some people don't have checking accounts. I shouldn't have to open an account just because my grandmother mailed me a check from her BoA account.

Thats like asking me to sign up for a store credit card everywhere I shop.
Click to expand...
Walmart or some other company that charges a fee will be glad to cash your grandmother's check. The bank does it for free. There is a major difference there. Walmart can get their lost money from fake checks back through fees. The bank just loses money.

Plus, unless you have a criminal background, there is very little reason not to open an account. If you do have a criminal background, there is very little reason for the bank to just blindly trust you.
Click to expand...

YOu're really trying to explain risk management to these monkeys?
 
Originally posted by: IcebergSlim
You guys got it all wrong. They should just process the check with a normal photo ID like they always have. Thumbprints now.....the iris scans......then dna......then....fuck microchip why not .....
Click to expand...

IDs can be faked, thumbprints cannot. When fake thumbprint technology becomes prominent in bank fraud, then they will move to iris. If people like you throw your arms up about it then banks will stop cashing checks for strangers.
 
Originally posted by: JS80
YOu're really trying to explain risk management to these monkeys?
Click to expand...
I tried. I failed.

I'll try again on another topic tomorrow. I may never learn my lesson.

 
Originally posted by: JS80
Originally posted by: IcebergSlim
You guys got it all wrong. They should just process the check with a normal photo ID like they always have. Thumbprints now.....the iris scans......then dna......then....fuck microchip why not .....
Click to expand...

IDs can be faked, thumbprints cannot. When fake thumbprint technology becomes prominent in bank fraud, then they will move to iris. If people like you throw your arms up about it then banks will stop cashing checks for strangers.
Click to expand...

lol. As a member of a computer forum you should know Everything can be faked/hacked/cracked. There goal her obviously is to make such a pain in the ass that people stop from using checks altogether and everything will be cash or electronic so you can neatly be categorized and computerized. It will make the transition to chips so much tidier. We will be begging for it.....for our protection and convienience! You are a banker though so i'm sure you already know about their plans.
 
Originally posted by: Baked
Originally posted by: oogabooga


Is there any particular reason a person wouldn't want an account with one bank somewhere now and days?
Click to expand...

I would like to know this answer as well. In fact there are many many people who don't have bank acct. and cash their check at payday places.
Click to expand...

I don't want an account at Chase or BoA because I've had horrible experiences with these banks. I like my bank, but the only branch is an hour away. With direct deposit and Saturday hours I usually don't see any inconvenience. I love the customer service that I receive with this bank. On the off chance that I have to cash a check somewhere else i don't mind paying the 3 or 4 bucks to get it done. A bank should honor checks from their own accounts though... even if they require a thumb print or mushroom stamp.
 
Originally posted by: bobross419
Originally posted by: Baked
Originally posted by: oogabooga


Is there any particular reason a person wouldn't want an account with one bank somewhere now and days?
Click to expand...

I would like to know this answer as well. In fact there are many many people who don't have bank acct. and cash their check at payday places.
Click to expand...

I don't want an account at Chase or BoA because I've had horrible experiences with these banks. I like my bank, but the only branch is an hour away. With direct deposit and Saturday hours I usually don't see any inconvenience. I love the customer service that I receive with this bank. On the off chance that I have to cash a check somewhere else i don't mind paying the 3 or 4 bucks to get it done. A bank should honor checks from their own accounts though... even if they require a thumb print or mushroom stamp.
Click to expand...

give an option at least 2 forms of ID or a thumb print. Or a passport.....something like that. Thumb print or nothing is out of control.
 
You must log in or register to reply here.

TRENDING THREADS

Back
Top