Why do Checking Accounts NOT work?
928560
you only get fees if you mess up, dont mess up and youll be fine.
709998
Florida law, which I assume is similar elsewhere, states that checks older than 6 months MAY be rejected for deposit/cashing by the bank, but do NOT have to be rejected.
573942
Well I am a senior teller.  Deposit account fraud would consist of "Kiting", which is setting up an account at another institution and then writing a check even though the funds are not available there and then deposit into the other account. And back and forth it goes. This worked much better when check clearing took much longer. \n\nNow there is check 21 and that makes thing more difficult to circumvent the system as the image of the check is put through electronically and it is instantaneous, much like a debit card. Not a "float" time.  \n\nAlso there are scams like on-line purchases.  You agree on a price, they send you a check but they accidentally "overpay" you and request you just remit back to them a cashiers check for the overpay.  Trouble is THEIR check is BOGUS and you are out the cash.  Many variations of that scam.  \n\nAny of these and others can be considered Deposit Account Fraud. Even a forged check.\nHope this helps. Good luck.
954416
I don't think it really matters the amount of the check or which state.  Its illegal regardless and you very well could do time if whomever's account you wrote them on presses charges.
715236
lack of funds in ones account maybe
499975
All banks verify new accounts.  They have to because of the level of fraud they are exposed to.  \n\nIf you're trying to avoid something from coming up, the best way is to go deal with the problem so you can show that while it did happen, you resolved it.
143107
Most corporate banks will charge a fee. I sold something on eBay, accepted a check which bounced and was charged $30 by BankOne. The DON'T take checks on eBay. Make them pay with PayPal, they can use their checking account. \n\nThey charge a fee to avoid people floating checks. If someone gives you a bad check, you're completely justified in going after them for the fee you were charged.
827771
"if it was made out to you", maybe, most checks etc, usually have a limitation/expiry date/time.\nyou will have to inquire at your bank.\ngood luck.
162190
I have been using paypal for many years and have had alot of problems with them. They make their own rules since they are not with FDIC. They got sued a few years back for doing illegal things with peoples account, now they are much better. \n\nIn my eyes still a little shady, they will limit your account for weeks at a time if the slightest problem occurs. I have a business account so I have a different point of view with them. My personal account I have never had problems with.
805677
yes right now i have the same problem, they are making backup(maintenance) on their servers(it would depend on which server your account info is located)., that's why it's working for some and not working for others...so it's not a big deal..try in an hour or so...
590467
A very limited amount of software publishers allow you to send them checks or you can try going to your bank and transfering money to the publisher's account.\n\nHope this Helps!
242670
It depends on what you mean by "didn't go through."  If you mean that you got an error back that said you were declined, then that account will not be charged.  If the website just sat there and didn't do anything, you'll have to wait until you can check your bank account to see if a charge went through.
1112338
Most banks won't do business with you unless you have an account with them. Also it would help if the ink on the 100 was dry before you tried to cash it! Just Kidding!
535185
They shouldn't. But, to avoid any attention from IRS, Have them give you two $6,000 checks. The reason is that the banks are required to report any transactions of $10,000 and over. Also do not deposit the two checks on the same day. Banks have people who look for any suspicious activities. Although they do that to look for illegal transactions, you don't want to be on their watch list.
494022
people who's credit sucked and couldn't get a checking account
1182601
Perhaps you have made some mistakes in your past with your banking account, and have ended up on Chexsystem's database. It will be very difficult to open a new bank account because 80% of all banks are using their systems to verify your banking history. Not only that, but you will remain in the system for a period of 5 years. My advice would be to perhaps go to a smaller bank. One of those local banks that may only have 1-2 branches in your area. The larger the bank, the better chance that it will be using Chexystems to verify all new applicants. There really is no way to know though, unless you contact the bank. You can also check out the Chexsystems consumer website https://www.consumerdebit.com/consumerinfo/us/en/index.htm and get more information on how they work and tips on how to avoid ending up in their system in the future.
687149
Don't use Wal-Mart.  They sent me checks with the wrong account number and I got screwed.  Then they said it was my responsibility to verify the info I entered on their website.   I would understand if I had a typo, but the bank info as well as my account number are completely wrong.