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take a check?

Posted: October 1st, 2017, 8:21 pm
by scrutney
yeah right.
apparently no one does anymore.
or at least, not many retailers do.

publix always cheerfully takes my check...and then the young, part time cashier has a problem shoving it into the machine, slowing the line up, with everyone summarily giving me the stink eye for having the temerity to pay for my groceries.

target takes checks hassle free. write, sign, leave.
wal mart...who cares? no civilized person shops there anyway.

i was at the outlet mall this afternoon with my son beezer...and familiar with the declining number of merchants who accept checks...i asked "do you take checks":

merrell's (small label, extremely tough sneakers and mountain shoes)...no.
asics...no.
clarkes...(remember wallabies from the 70's) nope.

nautica?...the last 2 times i was there they did take checks but the processing time ( a half hour?) was a bit of a drag...
i didn't bother to ask.

i was there to shop and by my humble accounting $400 worth of custom walked out the door unfulfilled.

when the music bug bites, my favorite purveyor of tunes always takes my check as a personal favor and hey, i used to work there and the owner and i are friends.

i don't have a credit card. well i do, for bug out emergencies and we've had two in less than a year, but i haven't used it. plastic and i don't get along and never have.
ditto the debit card.

i keep enough money in my account so i don't have to check my balance every day.

i spend way less money without credit and debit cards.
if i want to eat out during the week, i ask myself; "is it worth the hassle of going to the bank?" maybe it is but if it isn't...look at the money i saved.
i usually keep enough cash in my pocket for smokes and dunkin' doughnuts coffee...and it seems to work well for me.

and while i sympathize with retailers who decline to accept checks, this is the digital age.
lowes and home depot have some funky system to take the money directly out of the account and give you back the check.

for what it's worth, i haven't bounced a check since my college days, when my mindset was:
i have checks, i have parents, so i must have money.
but i've grown up a bit since then

Re: take a check?

Posted: October 2nd, 2017, 11:02 am
by RichWhitey
I have a bank account because the government says i have to have one to collect social security. They don't write checks anymore, either.

NO SHIRT - NO SHOES - NO CHECKS

Posted: October 3rd, 2017, 12:35 pm
by mike
In my stores, I stopped taking checks years ago. It's just a matter of cost and convenience.

If a customer's check is returned by their bank, our bank started charging us a $25 fee for processing the returned item. You are out for the merchandise and the processing fee unless you can collect -- and if you send the check to a collection agency, even if they collect, it's going to cost you 50% for their fee.

Its been a long time since banks opened checking accounts for customers that didn't include a free ATM/debit card, even if the customer had marginal credit. Many of those cards are branded and can be accepted by VISA or MasterCard merchants. A "card present" (swiped) transaction can cost the merchant less than 2% in fees. Ours always did. Rather than just saying "no" to a customer who wanted to pay by check, we took the opportunity to suggest a "check card", or, of course, any major credit card.

BTW, scrutney, a customer who ASKS "Can I write you a check?" is a customer you need to be careful of since they are more likely to bounce. A customer with a comfortable balance just pulls out their checkbook and starts writing.

Re: take a check?

Posted: October 3rd, 2017, 1:12 pm
by scrutney
mike...i do keep a comfortable balance...and i'm not looking to change anyone's policy on check acceptance.

however...i don't like being told no...and i DO love to bitch.
...as if you didn't know that
:D

Re: take a check?

Posted: October 3rd, 2017, 1:31 pm
by mike
scrutney wrote:
October 3rd, 2017, 1:12 pm
however...i don't like being told no...and i DO love to bitch.
We're two peas in a pod on that score.
:roll: It's also gotten me behind the eight ball a few times :roll:

Re: take a check?

Posted: October 3rd, 2017, 10:10 pm
by Coebul
scrutney wrote:
October 1st, 2017, 8:21 pm

for what it's worth, i haven't bounced a check since my college days, when my mindset was:
i have checks, i have parents, so i must have money.
but i've grown up a bit since then
I never had the luxury?

Re: take a check?

Posted: October 3rd, 2017, 10:36 pm
by scrutney
coebul...our parents bailed me out more times than i care to think about...and i'd probably say; "you too."...but i'm the youngest and therefore ridiculously self centered...and wasn't paying attention.

i'm not sure which of us was the more problematic.
and at this stage of the game, it's kind of moot...as we're both upstanding citizens, family men, and one of us is devilishly handsome to boot.

cool parents, cool sibs, and cool kids....and some cool grand kids too.
what more can one ask for?