Chris is too embarrassed to do this herself, but she grudgingly gave
me permission. She is supposed to have a knee replacement surgery
soon, but was physically unable to keep working long enough to save up
for her insurance premiums. She needs this surgery, but needs our
help. I persuaded her to post a request to Wish Upon a Hero. Here is
that request. Any hereos out there?
http://www.wishuponahero.com/wishes/?id=1209315

Thanks,
Carol

On Wed, 6 Jun 2012 13:13:15 -0700 (PDT), Damsel in dis Dress
> wrote:

>Chris is too embarrassed to do this herself, but she grudgingly gave
>me permission. She is supposed to have a knee replacement surgery
>soon, but was physically unable to keep working long enough to save up
>for her insurance premiums. She needs this surgery, but needs our
>help. I persuaded her to post a request to Wish Upon a Hero. Here is
>that request. Any hereos out there?
>http://www.wishuponahero.com/wishes/?id=1209315
>
>Thanks,
>Carol

Quite a few views on the web page, but little help. If everyone that
looked gave even $10 she would be halfway there. Christine has been
a regular here for years, I thought shed get a little more help.

"Ed Pawlowski" > wrote in message
...
> On Wed, 6 Jun 2012 13:13:15 -0700 (PDT), Damsel in dis Dress
> > wrote:
>
>>Chris is too embarrassed to do this herself, but she grudgingly gave
>>me permission. She is supposed to have a knee replacement surgery
>>soon, but was physically unable to keep working long enough to save up
>>for her insurance premiums. She needs this surgery, but needs our
>>help. I persuaded her to post a request to Wish Upon a Hero. Here is
>>that request. Any hereos out there?
>>http://www.wishuponahero.com/wishes/?id=1209315
>>
>>Thanks,
>>Carol
>
> Quite a few views on the web page, but little help. If everyone that
> looked gave even $10 she would be halfway there. Christine has been
> a regular here for years, I thought shed get a little more help.


Thanks, Damsel! Seems to me I've seen Chris posting here in the last few
days so I'll say this. My email address isn't munged. If she contacts me
I'll be happy to chip in what I can to help out. BTDT when it comes to not
being able to afford medical care! I just don't want to do it through a web
site, you know? I'd rather send her a check directly.

Jill

In article >, Brooklyn1 says...
>
Most people incur a fee with a personal check.

Must be an American thing; no fees are payable for bank cheques here (so
long as the account is in credit).


Janet UK

On Thu, 7 Jun 2012 20:25:42 +0100, Janet > wrote:

>In article >, Brooklyn1 says...
>>
> Most people incur a fee with a personal check.
>
> Must be an American thing; no fees are payable for bank cheques here (so
>long as the account is in credit).
>
>
> Janet UK

I don't know what you mean by "the account is in credit"... here in
the US a checking account is required to maintain a minimum balance or
the account will be closed, but still folks have to buy their check
books and pay the bank a fee per check used. Because of the fees
fewer and fewer people have checking accounts anymore, they've
switched to plastic and the occasional money order. The only
exception I know of to have free checking is if one maintains a rather
large minimum bank balance. Also a lot of people have stopped using
checking accounts because they are lousy at handling money so use
debit accounts instead... in the US writing a check with insufficient
funds (passing a bad check) is a serious criminal offence, they can go
to prison. Attempting to make a purchase with insufficient funds in a
debit account simply cancels/blocks the sale at point of purchase and
stuff has to be put back. I hate to be on the checkout line behind
debiters (debters).

On Jun 7, 1:19*pm, Brooklyn1 <Gravesend1> wrote:
> On Thu, 7 Jun 2012 20:25:42 +0100, Janet > wrote:
> >In article >, Brooklyn1 says....
>
> > *Most people incur a fee with a personal check.
>
> > *Must be an American thing; no fees are payable for bank cheques here (so
> >long as the account is in credit).
>
> > *Janet UK
>
> I don't know what you mean by "the account is in credit"... here in
> the US a checking account is required to maintain a minimum balance or
> the account will be closed, but still folks have to buy their check
> books and pay the bank a fee per check used. *Because of the fees
> fewer and fewer people have checking accounts anymore, they've
> switched to plastic and the occasional money order. *The only
> exception I know of to have free checking is if one maintains a rather
> large minimum bank balance. *Also a lot of people have stopped using
> checking accounts because they are lousy at handling money so use
> debit accounts instead... in the US writing a check with insufficient
> funds (passing a bad check) is a serious criminal offence, they can go
> to prison. *Attempting to make a purchase with insufficient funds in a
> debit account simply cancels/blocks the sale at point of purchase and
> stuff has to be put back. *I hate to be on the checkout line behind
> debiters (debters).

I don't have to have a certain balance and my checking is free.

On 6/7/2012 3:25 PM, Janet wrote:
> In article >, Brooklyn1 says...
>>
> Most people incur a fee with a personal check.
>
> Must be an American thing; no fees are payable for bank cheques here (so
> long as the account is in credit).
>

No, I don't pay a fee per check, it's not an American thing.

There might be some kinds of checking that might have that,
just none that I ever had.

nancy

On 2012-06-07, Brooklyn1 <Gravesend1> wrote:


> the account will be closed, but still folks have to buy their check
> books and pay the bank a fee per check used.

Sounds like yer bank sucks.

My local bank imposes no fees for my senior acct. For paper checks,
zero balance, MOs, xfers, checks issued, online service, jar of loose
change, coffee, lollipops, etc ....pretty much anything. I guess they
sock it to the youngsters.

nb

--
vi --the heart of evil!
Support labeling GMOs
<http://www.labelgmos.org/>

On Jun 7, 4:19*pm, Brooklyn1 <Gravesend1> wrote:
> On Thu, 7 Jun 2012 20:25:42 +0100, Janet > wrote:
> >In article >, Brooklyn1 says....
>
> > *Most people incur a fee with a personal check.
>
> > *Must be an American thing; no fees are payable for bank cheques here (so
> >long as the account is in credit).
>
> > *Janet UK
>
> I don't know what you mean by "the account is in credit"... here in
> the US a checking account is required to maintain a minimum balance or
> the account will be closed, but still folks have to buy their check
> books and pay the bank a fee per check used. *Because of the fees
> fewer and fewer people have checking accounts anymore, they've
> switched to plastic and the occasional money order. *The only
> exception I know of to have free checking is if one maintains a rather
> large minimum bank balance. *Also a lot of people have stopped using
> checking accounts because they are lousy at handling money so use
> debit accounts instead... in the US writing a check with insufficient
> funds (passing a bad check) is a serious criminal offence, they can go
> to prison. *Attempting to make a purchase with insufficient funds in a
> debit account simply cancels/blocks the sale at point of purchase and
> stuff has to be put back. *I hate to be on the checkout line behind
> debiters (debters).

People with a history of credit problems wind up with those kind of
checking accounts. Something you want to share, catlady?

On Jun 7, 3:19*pm, Brooklyn1 <Gravesend1> wrote:
> On Thu, 7 Jun 2012 20:25:42 +0100, Janet > wrote:
> >In article >, Brooklyn1 says....
>
> > *Most people incur a fee with a personal check.
>
> > *Must be an American thing; no fees are payable for bank cheques here (so
> >long as the account is in credit).
>
> > *Janet UK
>
> I don't know what you mean by "the account is in credit"... here in
> the US a checking account is required to maintain a minimum balance or
> the account will be closed, but still folks have to buy their check
> books and pay the bank a fee per check used. *Because of the fees
> fewer and fewer people have checking accounts anymore, they've
> switched to plastic and the occasional money order. *The only
> exception I know of to have free checking is if one maintains a rather
> large minimum bank balance. *Also a lot of people have stopped using
> checking accounts because they are lousy at handling money so use
> debit accounts instead... in the US writing a check with insufficient
> funds (passing a bad check) is a serious criminal offence, they can go
> to prison. *Attempting to make a purchase with insufficient funds in a
> debit account simply cancels/blocks the sale at point of purchase and
> stuff has to be put back. *I hate to be on the checkout line behind
> debiters (debters).


Actually, most banks allow a customer to say yes or no to coverage of
over-balance expenditures. You have to opt in or opt out, depending
on the bank's policies. It's expensive - here, like $27 per instance
- but it saves embarrassment if you find yourself in a position of not
realizing what your balance is.

I have free checking (free in all ways - I order checks from "Checks
Unlimited," so I do pay for those, but not a lot) - I write 2 or 3 a
month, maybe - ones that I mail. I pay no fee for my checking account
itself, nor do I pay for writing checks beyond the cost of the check.

N.

On Jun 7, 3:43*pm, notbob > wrote:
> On 2012-06-07, Brooklyn1 <Gravesend1> wrote:
>
> > the account will be closed, but still folks have to buy their check
> > books and pay the bank a fee per check used.
>
> Sounds like yer bank sucks.
>
> My local bank imposes no fees for my senior acct. *For paper checks,
> zero balance, MOs, xfers, checks issued, online service, jar of loose
> change, coffee, lollipops, etc ....pretty much anything. *I guess they
> sock it to the youngsters.
>
> nb
>
> --
> vi --the heart of evil!
> Support labeling GMOs
> <http://www.labelgmos.org/>

Counting change - both my banks have a machine just hanging out there
in the general lobby - dump your coins in, take the accounting slip of
paper to a bank clerk, and get cash or make a deposit. No charge.

N.

On 2012-06-07, Nancy2 > wrote:

> in the general lobby - dump your coins in.....

YOU gotta dump the change in? Philistines!

nb

--
vi --the heart of evil!
Support labeling GMOs
<http://www.labelgmos.org/>

On 6/7/2012 3:43 PM, notbob wrote:
> On 2012-06-07, Brooklyn1<Gravesend1> wrote:
>
>
>> the account will be closed, but still folks have to buy their check
>> books and pay the bank a fee per check used.
>
> Sounds like yer bank sucks.
>
> My local bank imposes no fees for my senior acct. For paper checks,
> zero balance, MOs, xfers, checks issued, online service, jar of loose
> change, coffee, lollipops, etc ....pretty much anything. I guess they
> sock it to the youngsters.


No fees on my personal checking account... my business account is no fee
as long as I keep a $5K balance... otherwise it is a flat $12 per month.
I haven't seen a fee per check account in years.

I write very few checks any more... most bills are paid by EFT and most
of my commissions are paid to me by EFT.

George L

On Jun 7, 3:41*pm, Nancy Young <replyto@inemail> wrote:
>
> On 6/7/2012 3:25 PM, Janet wrote:
>
> > In article >, Brooklyn1 says....
>
> > * *Most people incur a fee with a personal check.
>
> > * *Must be an American thing; no fees are payable for bank cheques here (so
> > long as the account is in credit).
>
> No, I don't pay a fee per check, it's not an American thing.
>
> There might be some kinds of checking that might have that,
> just none that I ever had.
>
> nancy

>
>
Mine either.

On Jun 7, 4:04*pm, George Leppla > wrote:
>
>
> I write very few checks any more... most bills are paid by EFT.
>
> George L
>
>
Mine, too. I write, on average, 6 checks per year. Property taxes
and drivers license renewal are two that get checks. They'll accept
debit or credit cards but tack on a 2.75% fee, checks are accepted
with no charge and I can whip out that checkbook in a flash!

In article >, Brooklyn1 says...
>
> On Thu, 7 Jun 2012 20:25:42 +0100, Janet > wrote:
>
> >In article >, Brooklyn1 says...
> >>
> > Most people incur a fee with a personal check.
> >
> > Must be an American thing; no fees are payable for bank cheques here (so
> >long as the account is in credit).
> >
> >
> > Janet UK
>
> I don't know what you mean by "the account is in credit"...

In the black, not overdrawn. In credit means there's enough money in the
account to cover the outgoings.

If an account is overdrawn, there's a charge for cheques drawn on it.

here in
> the US a checking account is required to maintain a minimum balance or
> the account will be closed, but still folks have to buy their check
> books and pay the bank a fee per check used.

Usual practice here is for banks to offer credit-worthy customers an
automatic overdraught limit so the customer needn't seek consent to over
draw (to the agreed amount) and is confident the bank won't stop debit
card payments or bounce cheques etc.

Here cheque books are free so are use of cheques; direct debits and
standing orders (regular bills paid automatically by the bank), use of
debit card, telephone and online banking, and a monthly statement.
(This is for individual accounts; business accounts do face charges).

> Because of the fees
> fewer and fewer people have checking accounts anymore, they've
> switched to plastic and the occasional money order.

UK banks wanted to go the same way and announced they were going to phase
out cheques and chequebooks; but there was such an outcry from irate
customers they have abandoned the idea. Like most, I use few cheques these
days but I like to keep the option...there are still small businesses that
don't accept plastic (and big ones, like smkts, that won't accept
cheques).

The only
> exception I know of to have free checking is if one maintains a rather
> large minimum bank balance.

Here so long as an account stays out of the red /in credit, all
transactions within the UK can be managed completely charge-free.

Janet

In article >, replyto@inemail
says...
>
> On 6/7/2012 3:25 PM, Janet wrote:
> > In article >, Brooklyn1 says...
> >>
> > Most people incur a fee with a personal check.
> >
> > Must be an American thing; no fees are payable for bank cheques here (so
> > long as the account is in credit).
> >
>
> No, I don't pay a fee per check, it's not an American thing.
>
> There might be some kinds of checking that might have that,
> just none that I ever had.
>
> nancy

Just a Sheldon thing then :-)

Janet

"Nancy Young" <replyto@inemail> wrote in message
...
> On 6/7/2012 3:25 PM, Janet wrote:
>> In article >, Brooklyn1
>> says...
>>>
>> Most people incur a fee with a personal check.
>>
>> Must be an American thing; no fees are payable for bank cheques here
>> (so
>> long as the account is in credit).
>>
>
> No, I don't pay a fee per check, it's not an American thing.
>
> There might be some kinds of checking that might have that,
> just none that I ever had.

I paid a per check fee many years ago. I think it was 25 cents. I was 19
then. Will be 53 soon so that gives you an idea of how long ago this was.
Eventually the bank changed it to a flat fee of $1.25 per month. In those
days I did write a lot of checks. No ATMs about then and everything
involved going to the bank. Also in those days you could write checks in
stores for over the amount and get some cash back. Yes, you still can do
that in some stores now. But some do not let you do that.

I switched to another bank that offered later hours on Fridays and also
Saturday hours. They also charged a checking account fee but I believe it
was also a flat fee of $1.25 per month. I also got a Visa card through them
and they charged $25 a year for the card. When they tried to up that fee to
$35, I pitched a fit and switched over to BECU. No fees for anything. Not
even the ATM. I think my prior bank originally charged no fee to use their
ATM but they did charge for others. But then they began charging 25 cents
for every transaction. Even a deposit. I will pay a fee now at some ATMs
that are not connected to BECU. But there are so many BECU ATMs around now
that it's easy to find one.

Nancy Young wrote:
>
> On 6/7/2012 3:25 PM, Janet wrote:
> > In article >, Brooklyn1 says...
> >>
> > Most people incur a fee with a personal check.
> >
> > Must be an American thing; no fees are payable for bank cheques here (so
> > long as the account is in credit).
> >
>
> No, I don't pay a fee per check, it's not an American thing.
>
> There might be some kinds of checking that might have that,
> just none that I ever had.
>
> nancy

I don't pay a fee per check either, but I do have to buy the checks in the
first place so that would be a minimal fee per check.

Gary

On 6/7/2012 5:23 PM, Janet wrote:
> In article >, replyto@inemail
> says...
>>
>> On 6/7/2012 3:25 PM, Janet wrote:
>>> In article >, Brooklyn1 says...
>>>>
>>> Most people incur a fee with a personal check.
>>>
>>> Must be an American thing; no fees are payable for bank cheques here (so
>>> long as the account is in credit).
>>>
>>
>> No, I don't pay a fee per check, it's not an American thing.
>>
>> There might be some kinds of checking that might have that,
>> just none that I ever had.

> Just a Sheldon thing then :-)

(laugh) Well, the thing is, it's a big country and every state
has their own banking rules, and regionally there are probably
what's the word I'm looking for grrr ... traditions, for lack of
the right word.

In my state, the banks had to offer no frills, free, no minimum
etc etc to low income people so they could cash their paycheck.
Over 5 checks a month, there is a small fee. That's all I could
think of that might have a per check fee.

But I don't know what it's like where Sheldon lives so I am not
disputing his statement. Just that it's not an American thing.

nancy

On 6/7/2012 5:54 PM, Gary wrote:
> Nancy Young wrote:

>> No, I don't pay a fee per check, it's not an American thing.
>>
>> There might be some kinds of checking that might have that,
>> just none that I ever had.

> I don't pay a fee per check either, but I do have to buy the checks in the
> first place so that would be a minimal fee per check.

Semantics, but I wouldn't call that a fee.

I have a choice of banks that offer free checking to geezers ...
I mean, people over 50/whatever. That would get me free checks.
Fact is, I pay most of my bills online, so that box of checks I have
will last a loooong time.

nancy

Nancy Young wrote:
>
> On 6/7/2012 5:54 PM, Gary wrote:
> > Nancy Young wrote:
>
> >> No, I don't pay a fee per check, it's not an American thing.
> >>
> >> There might be some kinds of checking that might have that,
> >> just none that I ever had.
>
> > I don't pay a fee per check either, but I do have to buy the checks in the
> > first place so that would be a minimal fee per check.
>
> Semantics, but I wouldn't call that a fee.
>
> I have a choice of banks that offer free checking to geezers ...
> I mean, people over 50/whatever. That would get me free checks.
> Fact is, I pay most of my bills online, so that box of checks I have
> will last a loooong time.
>
> nancy

I last bought a box of checks (200) several years ago. I only write a few
per month. The debit card has eliminated most of the checks that I used to
write. I'm getting low though and need to order another box. Those cheap
offers in the Sunday paper ads work fine. My last box cost me $5.00 vs
almost $20.00 if I had ordered from my bank.

Gary

On 07/06/2012 5:54 PM, Gary wrote:

> I don't pay a fee per check either, but I do have to buy the checks in the
> first place so that would be a minimal fee per check.
>
>

We get the seniors rate at our bank..... no fees at all, except we have
to pay for cheque books. Since we use the debit card most of the time
we rarely write cheques. I had to write one last week for a load of
gravel for the driveway. I had to get my wife to find the chequebook.
The month bank statements for our chequing account used to include the
cancelled cheques and there would be dozens of them each month. Now
there is one or two, sometimes none.

On Thu, 07 Jun 2012 16:04:24 -0500, George Leppla
> wrote:

>On 6/7/2012 3:43 PM, notbob wrote:
>> On 2012-06-07, Brooklyn1<Gravesend1> wrote:
>>
>>
>>> the account will be closed, but still folks have to buy their check
>>> books and pay the bank a fee per check used.
>>
>> Sounds like yer bank sucks.
>>
>> My local bank imposes no fees for my senior acct. For paper checks,
>> zero balance, MOs, xfers, checks issued, online service, jar of loose
>> change, coffee, lollipops, etc ....pretty much anything. I guess they
>> sock it to the youngsters.
>
>
>No fees on my personal checking account... my business account is no fee
>as long as I keep a $5K balance... otherwise it is a flat $12 per month.
> I haven't seen a fee per check account in years.

Your $12/month is a fee. That you have to maintain a 5K balance on a
business acct but no balance on a personal account doesn't make sense
unless the accounts are linked... and no bank is going to maintain a
checking acct with a zero balance, typically the minimum balance is
like $250 just to open an account, you can't open a checking acct with
no money. Many banks still offer a per check fee because especially
nowadays folks don't write more than a few checks a month, even most
businesses don't write many checks anymore... a per check fee for most
people is less costly than a monthly fee. Also most free accounts
don't snail mail a statement or send your cancelled checks back, you
need to see your statement on line but you can't see your cancelled
checks on line let alone print them, and for a photocopy of a
cancelled check the fee can be very pricey. I'm one of the few people
I know who still uses checks and tellers, most people I know use debit
cards and ATMs, I've never used either. I pay no fee for my checking
or even for checks because I keep over a minimum bank balance, I get
my platinum Visa for free too as well as several other services
including free safe deposit boxes... when I say minimum bank balance
I don't mean minimum checking acct balance. I maintain checking
accounts at three different banks and have two different checking
accounts at each, a regular checking and a money market checking, plus
savings accts, and jumbo CDs I even have a passbook account... some
banks still have them. Naturally banking rules vary by State but
they're very similar. I've used banks in several States, NYC banks by
far conduct business the most professionally, you won't see tats and
body piercings... CA and FL the least professionally, they don't even
dress like bankers, in FL I've seen tellers in shorts and flip
flops... in CA tellers dress like they work at a titty bar.

On Jun 7, 3:43*pm, Brooklyn1 <Gravesend1> wrote:
in CA tellers dress like they work at a titty bar.

Most probably do.

On Jun 7, 5:43*pm, Brooklyn1 <Gravesend1> wrote:
>
> Your $12/month is a fee. *That you have to maintain a 5K balance on a
> business acct but no balance on a personal account doesn't make sense
> unless the accounts are linked... and no bank is going to maintain a
> checking acct with a zero balance, typically the minimum balance is
> like $250 just to open an account, you can't open a checking acct with
> no money. *Many banks still offer a per check fee because especially
> nowadays folks don't write more than a few checks a month, even most
> businesses don't write many checks anymore... a per check fee for most
> people is less costly than a monthly fee.

I'm in Iowa and pay no monthly service fees, no minimum balance, and
no per-check fees. It was the same in Minnesota. I think it's free
because I have automatic deposits.

On 6/7/2012 5:56 PM, Nancy Young wrote:

> (laugh) Well, the thing is, it's a big country and every state
> has their own banking rules, and regionally there are probably
> what's the word I'm looking for grrr ... traditions, for lack of
> the right word.

It was aggravating me, the word is customary. Regionally,
there might be banking practices that are customary and that aren't
elsewhere.

nancy

On Thu, 07 Jun 2012 17:56:39 -0400, Nancy Young <replyto@inemail>
wrote:

>On 6/7/2012 5:23 PM, Janet wrote:
>> In article >, replyto@inemail
>> says...
>>>
>>> On 6/7/2012 3:25 PM, Janet wrote:
>>>> In article >, Brooklyn1 says...
>>>>>
>>>> Most people incur a fee with a personal check.
>>>>
>>>> Must be an American thing; no fees are payable for bank cheques here (so
>>>> long as the account is in credit).
>>>>
>>>
>>> No, I don't pay a fee per check, it's not an American thing.
>>>
>>> There might be some kinds of checking that might have that,
>>> just none that I ever had.
>
>> Just a Sheldon thing then :-)
>
>(laugh) Well, the thing is, it's a big country and every state
>has their own banking rules, and regionally there are probably
>what's the word I'm looking for grrr ... traditions, for lack of
>the right word.

Just for the record-- I'm in the same state and within an hour or so
of Sheldon and I haven't seen a check fee in 25 years. They just
stopped paying me interest on balances over a certain amount a few
years ago. I do buy my own checks- so my wife can have our dog's
picture on them.<g>

-snip-
>
>But I don't know what it's like where Sheldon lives so I am not
>disputing his statement. Just that it's not an American thing.
>

I don't dispute that *he* pays those fees--- but I don't know why.

Jim

On 6/7/2012 5:23 PM, Janet wrote:
> In >, replyto@inemail
> says...
>>
>> On 6/7/2012 3:25 PM, Janet wrote:
>>> In >, Brooklyn1 says...
>>>>
>>> Most people incur a fee with a personal check.
>>>
>>> Must be an American thing; no fees are payable for bank cheques here (so
>>> long as the account is in credit).
>>>
>>
>> No, I don't pay a fee per check, it's not an American thing.
>>
>> There might be some kinds of checking that might have that,
>> just none that I ever had.
>>
>> nancy
>
> Just a Sheldon thing then :-)
>
Could well be.

On Jun 7, 6:21*pm, Gary > wrote:
> Nancy Young wrote:
>
> > On 6/7/2012 5:54 PM, Gary wrote:
> > > Nancy Young wrote:
>
> > >> No, I don't pay a fee per check, it's not an American thing.
>
> > >> There might be some kinds of checking that might have that,
> > >> just none that I ever had.
>
> > > I don't pay a fee per check either, but I do have to buy the checks in the
> > > first place so that would be a minimal fee per check.
>
> > Semantics, but I wouldn't call that a fee.
>
> > I have a choice of banks that offer free checking to geezers ...
> > I mean, people over 50/whatever. *That would get me free checks.
> > Fact is, I pay most of my bills online, so that box of checks I have
> > will last a loooong time.
>
> > nancy
>
> I last bought a box of checks (200) several years ago. *I only write a few
> per month. The debit card has eliminated most of the checks that I used to
> write. *I'm getting low though and need to order another box. *Those cheap
> offers in the Sunday paper ads work fine. *My last box cost me $5.00 vs
> almost $20.00 if I had ordered from my bank.
>
> Gary

Same here. A box lasts me many years. I write about 3 checks on
average per mo. Hell, I'm sure not going to drive to the dentist or
doctor to pay my part of the bill.
Even my yard guy wants cash - under the table, shall we say.

On 6/7/2012 5:01 PM, notbob wrote:
> On 2012-06-07, > wrote:
>
>> in the general lobby - dump your coins in.....
>
> YOU gotta dump the change in? Philistines!
>

That's the fun part! Though my big plastic beer bottle shaped coin
collection container is too heavy to bring anywhere. Because of that
it'll just keep growing until it fills, then I'm not sure what to do
with it because I won't even be able to lift it let alone dump it.

On Thu, 7 Jun 2012 14:17:49 -0700 (PDT), "
> wrote:

>On Jun 7, 4:04*pm, George Leppla > wrote:
>>
>>
>> I write very few checks any more... most bills are paid by EFT.
>>
>> George L
>>
>>
>Mine, too. I write, on average, 6 checks per year. Property taxes
>and drivers license renewal are two that get checks. They'll accept
>debit or credit cards but tack on a 2.75% fee, checks are accepted
>with no charge and I can whip out that checkbook in a flash!

I usually write 3 or 4 checks per month: DMV, some local accounts that
I can't pay for online (housecleaners, computer guy, window washers,
handyman, the occasional doctor's bill), but almost everything else
gets paid for online. My checking account is linked to Bill's and his
checking account is linked to his law firm, so I get to enjoy
"preferred" status - no waiting on line, no fee for cashier's checks,
free safety deposit box, etc.

OB: Company dinner this weekend and I'm finally going to make the
Berry Tiramisu recipe I've been eyeballing.

Terr "Squeaks" Pulliam Burd

On Thu, 7 Jun 2012 15:56:51 -0700 (PDT), Chemo the Clown
> wrote:

>On Jun 7, 3:43*pm, Brooklyn1 <Gravesend1> wrote:
>in CA tellers dress like they work at a titty bar.
>
>Most probably do.

Oh, fer the love of Mike...CA tellers dress like everyone else in
business. Well, except for the flipflops, of course.

Terry "Squeaks" Pulliam Burd

On Thu, 07 Jun 2012 16:19:04 -0400, Brooklyn1 <Gravesend1> wrote:



>
>I don't know what you mean by "the account is in credit"... here in
>the US a checking account is required to maintain a minimum balance or
>the account will be closed, but still folks have to buy their check
>books and pay the bank a fee per check used. Because of the fees
>fewer and fewer people have checking accounts anymore, they've
>switched to plastic and the occasional money order. The only
>exception I know of to have free checking is if one maintains a rather
>large minimum bank balance.



My bank has no charge if you have direct deposit. You can buy checks
from a half dozen places though, cheaper than the bank.

This is for CT and may vary in other states where People Bank does
business.

Free checking with:
Direct Deposit, or
Age 65 or older.


If you don't have direct deposit, just keep a low $750 minimum daily
balance in your checking account and there's no monthly fee.

"Janet" > wrote in message
...
> In article >, replyto@inemail
> says...
>>
>> On 6/7/2012 3:25 PM, Janet wrote:
>> > In article >, Brooklyn1
>> > says...
>> >>
>> > Most people incur a fee with a personal check.
>> >
>> > Must be an American thing; no fees are payable for bank cheques here
>> > (so
>> > long as the account is in credit).
>> >
>>
>> No, I don't pay a fee per check, it's not an American thing.
>>
>> There might be some kinds of checking that might have that,
>> just none that I ever had.
>>
>> nancy
>
> Just a Sheldon thing then :-)
>
> Janet

Nope. There are plenty of checking accounts that still charge a fee.
Particularly if you don't keep something like a $2,000 balance.

In article >,
says...
>
> On Thu, 07 Jun 2012 16:19:04 -0400, Brooklyn1 <Gravesend1> wrote:
>
>
>
> >
> >I don't know what you mean by "the account is in credit"... here in
> >the US a checking account is required to maintain a minimum balance or
> >the account will be closed, but still folks have to buy their check
> >books and pay the bank a fee per check used. Because of the fees
> >fewer and fewer people have checking accounts anymore, they've
> >switched to plastic and the occasional money order. The only
> >exception I know of to have free checking is if one maintains a rather
> >large minimum bank balance.
>
>
>
> My bank has no charge if you have direct deposit. You can buy checks
> from a half dozen places though, cheaper than the bank.

If you buy checks elsewhere, not from your bank, what info do they have
printed on? Are they personalised?

In the UK cheques come as tear-off pages in a wee book, all cheque books
are printed by the banks for that specific client and their account. They
have the bank logo, the client name and a/c number, the bank branch
number, and the ID number for that cheque.Bank statements show the cheque
number as well as the amount of money).

No option for a picture of my dog, sadly :-)

Janet

On 6/8/2012 7:37 AM, Janet wrote:
> In >,
> says...
>>
>> On Thu, 07 Jun 2012 16:19:04 -0400, Brooklyn1<Gravesend1> wrote:
>>
>>
>>
>>>
>>> I don't know what you mean by "the account is in credit"... here in
>>> the US a checking account is required to maintain a minimum balance or
>>> the account will be closed, but still folks have to buy their check
>>> books and pay the bank a fee per check used. Because of the fees
>>> fewer and fewer people have checking accounts anymore, they've
>>> switched to plastic and the occasional money order. The only
>>> exception I know of to have free checking is if one maintains a rather
>>> large minimum bank balance.
>>
>>
>>
>> My bank has no charge if you have direct deposit. You can buy checks
>> from a half dozen places though, cheaper than the bank.
>
> If you buy checks elsewhere, not from your bank, what info do they have
> printed on? Are they personalised?

All bank checks here need the bank routing info and your account number
encoded using MICR (blocky special characters originally printed only
with magnetic ink) and the usual pay to field and amount spelled out and
written as numbers, date and signature line. After that there are
zillions of patterns and pictures available such as this:

http://www.checksunlimited.com/Category.aspx?catid=73


>
> In the UK cheques come as tear-off pages in a wee book, all cheque books
> are printed by the banks for that specific client and their account. They
> have the bank logo, the client name and a/c number, the bank branch
> number, and the ID number for that cheque.Bank statements show the cheque
> number as well as the amount of money).
>
> No option for a picture of my dog, sadly :-)
>
> Janet

On 6/8/2012 8:07 AM, George wrote:

> All bank checks here need the bank routing info and your account number
> encoded using MICR (blocky special characters originally printed only
> with magnetic ink) and the usual pay to field and amount spelled out and
> written as numbers, date and signature line. After that there are
> zillions of patterns and pictures available such as this:
>
> http://www.checksunlimited.com/Category.aspx?catid=73

I used to have fun with my checks, back when I wrote enough to bother
ordering different checks than the ugly ones from the bank. I got
a kick out of the grid/tecky ones, people would wonder if it was
real.

I never personalized any with a picture, thought. Cute.

nancy

On 6/7/2012 7:10 PM, Jim Elbrecht wrote:
> On Thu, 07 Jun 2012 17:56:39 -0400, Nancy Young <replyto@inemail>
> wrote:

>> (laugh) Well, the thing is, it's a big country and every state
>> has their own banking rules, and regionally there are probably
>> what's the word I'm looking for grrr ... traditions, for lack of
>> the right word.
>
> Just for the record-- I'm in the same state and within an hour or so
> of Sheldon and I haven't seen a check fee in 25 years. They just
> stopped paying me interest on balances over a certain amount a few
> years ago.

Oh, I get interest! I'm up a few pennies a month! (laugh)

I've never in my life paid a per check fee and even my check
writing days extend further than 25 years.

For whatever reason it bugs me that I do have to pay one fee,
$10 annually for each ATM card. I know they save a fortune on
staff because people don't go to the bank. But, it is what it is.
Bill paying is free, at least. Can't complain.

nancy

"Andy" > wrote in message ...
> She can't get a loan?
>
> Leech request?
>
> Absurd!
>
> Andy

Hard to get a loan if you are not working. I have no idea of her problems
and reasons, none of my business.

Sometimes people run into problems financially through their own fault and
others through no fault of their own. Casting stones, though, often gets
you into trouble and you regret doing so.