What about services? What do you Canadians do when a plumber comes to your house? I don't really feel comfortable giving them my credit card number on paper, so I write a check. Canadians don't pay cash for home repair, do they?
I used to be teller/drive up only until recently.
I moved to another state, then tried to deposit a check at my bank. Well apparently, National City in Ohio is different from National City in Indiana. Because I live in both states different times of the year, I thought having the same bank in both places would work just fine.
They informed me at the bank, that while I can't deposit a check inside, I am more than welcome to deposit it into the ATM outside.
I haven't talked to a real teller since, with one exception. Sometimes I'll be running an errand back home when I visit my parents, and they'll give me some banking to do for them. No ATM's in Podunk, Ohio
People that use checks in the grocery store annoy me. Wic checks are even worse. They always section their groceries into lots so they fit on each check or something. Tonight at the store, there was a girl who had FOUR items. It took her longer to check out than my 20 items (paying with CC).
I moved to another state, then tried to deposit a check at my bank. Well apparently, National City in Ohio is different from National City in Indiana. Because I live in both states different times of the year, I thought having the same bank in both places would work just fine.
They informed me at the bank, that while I can't deposit a check inside, I am more than welcome to deposit it into the ATM outside.
I haven't talked to a real teller since, with one exception. Sometimes I'll be running an errand back home when I visit my parents, and they'll give me some banking to do for them. No ATM's in Podunk, Ohio
People that use checks in the grocery store annoy me. Wic checks are even worse. They always section their groceries into lots so they fit on each check or something. Tonight at the store, there was a girl who had FOUR items. It took her longer to check out than my 20 items (paying with CC).
dullard
Elite Member
- May 21, 2001
- 26,105
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The problem is that the bank can accidentally slip in a charge and without the receipts you cannot refute it. Purely trusting online banking means giving up your right to dispute charges... People post here all the time about a $300 bank error or something like that. I wouldn't want to be screwed like that.
I write checks everywhere, including restaurants sometimes. If I have the cash but see some young fidgety guy behind me, I'll pull out the checkbook just to piss him off. What's the hurry, anyway? Enjoy life.
LOL Yeah, in all my life i've never ever seen a check used in a store... EXCEPT when i went to the US... inwhich case almost every line i was in, somebody used a damn check.
Bill gets sent to us actually. If it's a private individual, then cash or check... but normally, the repairman will come, do his thing, write an invoice, and we either send the payment to them, drop it off to them, or they'll send a bill for the payment.
Just keep them in your pocket or wallet until you get home... then organize it. That's what i do, and i don't have a hard time keeping a papertrail (and trust me, i do... almost half the things i buy are business expenses).
Aves
Lifer
- Feb 7, 2001
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I don't know where Skoorb is going to spend his money but I NEVER carry cash and it's never a problem.
Virtually everyone accepts my Visa Checkcard, every branch of my bank I've ever gone to had an ATM and other than those it doesn't matter because I'm not paying a damn fee to use someone elses ATM.
In fact can think of 4 ATM machines that are 5 minutes walking distance from where I'm sitting right now, not that I'd use them.
So stop being an ass. I grew up in California and go back there all the damn time. Californians still use drive up tellers and walk into the bank just like they do in any other state in the US.
that makes no sense. the only way to dispute a non-existant charge is to have the receipt for the charge? you know, the one that never took place?
- Sep 29, 2000
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Um I remember my parents had a plumber come in some years back and paid with a cheque/check. So in this circumstance a check if fine.
dullard you seem to have a serious fear of being ripped off by your bank. I wouldn't use an automated deposit for $10k. However I've been using automated banking for a decade and I've NEVER had a problem with it and neither has anybody I know. Not a single person. If your bank is charging you extra to use THEIR ATM find another bank cause you're getting screwed. The benefit of ATMs is they are open at all hours and are FAST. I've gotten to the point I can take out money at ridiculous speeds. I've never made a single input error and all of the processing time, save a few keystrokes, is on the ATM's side. I can get to a teller and within 30 sec be walking away with money in hand and my bank card back. Contrast that to filling out a silly withdrawal slip and waiting for some bored teller to pull out your money. It's circa 1980 and you must see that!
I know you're kidding but i enjoy life more when people in front of me are FAST.
aves2k I rarely have cash either. I have $40 in my wallet now which is the most I've had in many weeks. Electronics is the way to go it. BTW I still have your PM. My damn inbox is filling up I'll get to it
XZeroII
Lifer
- Jun 30, 2001
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I don't use ATM's because it promotes such financial irresponsibility (for me). I think that I might drain my bank account in a week. I always deposit checks to a person because I need a reciept. There's now way that I'm gonna risk $1000 to some idiot getting paid $6 /hour
- Sep 29, 2000
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i don't know but I presume that tellers doing the deposits are under constant surveillance. I have to say that if tellers skimming is a problem I've never heard of it. I doubt they're making anymore in Canada and I've simply never heard of somebody being screwed by a teller on a deposit. Of course on a check (how often do you deposit CASH) it's damn near impossible for a teller to skim a penny from you.
- Sep 29, 2000
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Actually I use my MBNA (MBNA pimps me hard) card for everything I possibly can. We get the equivalent of $.01 for every buck we spend and can use towards a slew of gift certificates from home depot to best buy.Originally posted by: aves2k
I think I have a Ruby Tuesday reciept, a movie ticket stub and some lint in mine.
Its not just Alabama. I live in Podunk Nowheresville North Carolina, and we do have quite a few ATMs, most people still use drive-up tellers, and checks.
I use my card anywhere that will accept it.
I use my card anywhere that will accept it.
dullard
Elite Member
- May 21, 2001
- 26,105
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This was in reference to making purchases. One person said he doesn't like receipts and the other said throw them away and use online banking. So there was a receipt to begin with for this discussion. For example you buy $20 worth of stuff and then throw away all receipts. Then you come home, go online, and see a nice $200 withdrawl. Simple typo of a decimal point - happens all the time. If you still had the $20 receipt it is quite handy to get your money back.
But now lets change the subject and discuss charges that appear out of nowhere (the non-existant charge you mention). Of course you won't have a receipt for that (but remember we weren't discussing this issue). Now it comes down to your word. Will the bank trust you? That comes down to how much the bank is willing to lose and how much your business is worth to them. However if you never keep track of the money you have, or the money you spend, how will you ever know you got screwed? If I just blindly look occasionally online to see how much money I have how will I know if that number is correct? Again keeping receipts is very handy. That way if you cannot remember if you withdrew $20 at an ATM on a certain day, then with your receipt, you can go back and say for certain whether you did or didn't. Yes if you have good memory and you check very frequently online you should be able to spot the error. But memorizing each and every transaction on each and every date is more work than putting the receipt in your pocket and transferring it to a shoe box at night.
I think Americans are on average just more paranoid than Canadians. Drive up tellers? We have drive up ATM machines, but i haven't ever heard of a drive up teller.
Originally posted by: Skoorb
Um I remember my parents had a plumber come in some years back and paid with a cheque/check. So in this circumstance a check if fine.
dullard you seem to have a serious fear of being ripped off by your bank. I wouldn't use an automated deposit for $10k. However I've been using automated banking for a decade and I've NEVER had a problem with it and neither has anybody I know. Not a single person. If your bank is charging you extra to use THEIR ATM find another bank cause you're getting screwed. The benefit of ATMs is they are open at all hours and are FAST. I've gotten to the point I can take out money at ridiculous speeds. I've never made a single input error and all of the processing time, save a few keystrokes, is on the ATM's side. I can get to a teller and within 30 sec be walking away with money in hand and my bank card back. Contrast that to filling out a silly withdrawal slip and waiting for some bored teller to pull out your money. It's circa 1980 and you must see that!
I know you're kidding but i enjoy life more when people in front of me are FAST.
aves2k I rarely have cash either. I have $40 in my wallet now which is the most I've had in many weeks. Electronics is the way to go it. BTW I still have your PM. My damn inbox is filling up I'll get to it
I have been ripped of my ATM's twice. Once when I made a deposit of 300 cash and check for 587.77. Only the check ended up deposited. My cash mysteriously disappeared. The other time I withdrew 40 bucks and it didn't dispense my cash. They ran a diagnostic on the ATM and said it dispensed the cash... sure it did. Since then I still withdraw cash, and I haven't had a problem but I always use the teller for any cash deposits. Checks I will deposit in the ATM because they can be reissued.
dullard
Elite Member
- May 21, 2001
- 26,105
- 4,750
- 126
It isn't really a fear - but I like to keep track since I have very little at the moment. Sure the chance of a major error occuring to me is small. But I might as well keep my hard earned money. I honestly don't use ATMs or tellers very often. I go to a teller about once every 4 months or so, and never an ATM (except the one time I travelled overseas and ATMs had no money exchange fees so that it was the cheapest method of exchanging money - but now all ATMs I've seen charge very high fees for that service killing the one reason I had for an ATM). I use a CC solely. I do it to get the 2% cash back (I've never paid a cent in fees or interest or even stamps on my CCs so that is a pure 2% profit) - plus it is just so much more convenient than either an ATM or the teller.
I'm just listing several possible reasons for the use of tellers. Everyone has his/her own reasons. And if they keep going back to the teller, the reasons must be significant to that person. The reason may be fear or whatever. Banks use ATMs as a profit generating machine. I personally wish that would stop and I'll go back to using ATMs.
yet another uninformed generalization about life in the USA by someone from canuckistan.
your basic premise is flawed, so no answer to your question is posiible. however the following commentary comes to mind:
we revel in personal freedom....
freedom to bank using an ATM,
freedom to bank using a teller (i prefer to deposit checks with a teller, get cash from an ATM)
i prefer having a choice...
i generally don't have/use cash (keep running out when ever i have some..pesky kids keep bumming cash off of me)
i generally use credit cards..
i don't carry checks (to bulky)
i know some people that only use cash..
i know some people that like using checks...
to each his/her own i say.
i am at a loss as to how one's personal banking fetish translates into having a "much better country"
i think you started this thread just to press some buttons and get people cheesed off..
your basic premise is flawed, so no answer to your question is posiible. however the following commentary comes to mind:
we revel in personal freedom....
freedom to bank using an ATM,
freedom to bank using a teller (i prefer to deposit checks with a teller, get cash from an ATM)
i prefer having a choice...
i generally don't have/use cash (keep running out when ever i have some..pesky kids keep bumming cash off of me)
i generally use credit cards..
i don't carry checks (to bulky)
i know some people that only use cash..
i know some people that like using checks...
to each his/her own i say.
i am at a loss as to how one's personal banking fetish translates into having a "much better country"
i think you started this thread just to press some buttons and get people cheesed off..
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