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Post by Pete on Sept 22, 2017 8:28:09 GMT
With fewer Americans using checks as their most common mode of payment, it might not come as a surprise that many consumers don’t know how to write the darn things. Article Here |
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Post by Sandy on Sept 22, 2017 10:41:00 GMT
"Between credit cards, online payment services, and good ol’ cash, many consumers have sequestered their checkbooks into cupboards and drawers that seldom see the light of day."
That's me. I still have an open checking account but very rarely write a check - maybe once a year. I'm still working on a box of blank checks that I purchased about 12 years ago!! And, as the article states, I've practically forgotten how to fill one out.
Standing in line at the grocery checkout counter, it really annoys me to be held up by someone writing a check for his/her purchase. The person generally needs to ask for a pen, fill out the amount, enter and update his/her bank balance in the checkbook, search for and present identification, put everything back in pocket or purse, then walk away with the borrowed pen.
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Post by Hank on Sept 22, 2017 18:18:04 GMT
I have a friend that does not use her debit card. but most stores run the check through prints the check grabs the info run a eft as if it was a card. ( sister sometimes uses check also ) Have been writing rent checks, just got notice the will now have eft option.
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Post by nquale on Sept 22, 2017 20:18:00 GMT
I use checks when shopping local stores and haven't had to write a check out in years because it's all done electronically. I just hand a blank check over to the cashier, they run it through a scanner on their register and once it's ok'd I sign my name on the credit card scanner. It takes the same amount of time as scanning a credit card and then signing your name.
It's only occasionally at some of the smaller shops around town where I actually have to fill a check.
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Post by Sandy on Sept 22, 2017 21:04:50 GMT
Wow That's interesting, Nancy. I've never seen that done at any store where I shop. How does that differ from using a debit card? Isn't the money taken from your checking account with either method?
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Post by Hank on Sept 22, 2017 21:31:16 GMT
and with same speed. What does the Walmart personal check policy say anyway? If you want to know about Walmart’s personal check policy, but you don’t want to spend your time digging through Walmart’s website or making phone calls just for one simple answer, this article was written with you in mind. This article will look at everything you need to know about the Walmart check writing policy. firstquarterfinance.com/walmart-personal-check-policy/ |
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Post by nquale on Sept 22, 2017 22:02:04 GMT
Sandy I'm not sure if there's much of a difference between debit card and check except with a debit card, if that info is hacked then the hacker can withdraw all your money from your checking account. The info from a hacked check could probably be use to create new checks but that seems like it would be alot of work for a hacker and there's a better chance of them being caught on a stores webcam cashing a fake check.
Personally I just feel safer using a check then a debit card. I've had a couple friends have their checking account wiped out by a hacker using their debit card info. With skimmers that have been found at gas stations, ATMS, Walmart and other big box stores I'm weary of giving a hacker the chance to wipe me out. Checks are scanned on the register so it's not really possible to put a skimmer on one of those unless an employee does it.
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Post by nquale on Sept 22, 2017 22:12:04 GMT
Thanks Henry for the link. I found this interesting-
That actually makes me feel safer using checks at wal-mart, knowing that telecheck checks for potential signs of fraud.
Also it states that you need to show identification but you only do that once every 6 months or so.
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Post by Pete on Sept 22, 2017 22:59:42 GMT
I don't use checks personally, I use cash. But when making purchases for equipment and supplies for my job I'm sometimes given a check to use. Some merchants scan & keep the check, others, like Lowes,scans the check & returns it to me to give to my boss.
Mostly though at work I use cash for purchases.
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Deleted Member
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Post by Deleted on Sept 23, 2017 5:30:40 GMT
I use checks when shopping local stores and haven't had to write a check out in years because it's all done electronically. I just hand a blank check over to the cashier, they run it through a scanner on their register and once it's ok'd I sign my name on the credit card scanner. It takes the same amount of time as scanning a credit card and then signing your name. It's only occasionally at some of the smaller shops around town where I actually have to fill a check. That's like when I pay my credit card bill over the phone using check-by-phone. I don't actually write a check. The credit card company has all my checking account info (which I gave them the first time I used the check-by-phone service) and I just call every month and designate how much I want the payment to be over the phone. It's like a checking account withdrawal. |
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