Using checks

rgp said:
"Otherwise, we use electronic pay. RGP, not sure I understand what your experience was "when the grid went down"? Can you explain?"

Never said I had one, I just meant that if the grid does go down, in your area or nation wide. If everything is connected to it / depended on it, nothing can be accessed.
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when the grid is down nothing gets cashed . we went through that with hurricane sandy as well as parts of the city 9-11. CASH ONLY
 
I write on the average of eight or so checks a month.....when out and about we normally use our bank debit card that draws against our checking account.
 
Very seldom, usually only for major home repairs, or deposits from an IRA to a non linked checking account.
 
.

I hardly ever use a check except to send gift or deposit money through the mail.

Almost all of my everyday shopping purchases go on my rewards credit card.

All of my monthly bills are either automatically debited from my checking account or automatically put on my rewards credit card.
 
I do banking mostly on line....Except if I'm sending a check for a Birthday Gift to our Niece's and Nephew's....And I send checks to our Volunteer Fire Department and our local Police....
I do give checks for Christmas Gifts for my family....
 
peppermint said:
I do banking mostly on line....Except if I'm sending a check for a Birthday Gift to our Niece's and Nephew's....And I send checks to our Volunteer Fire Department and our local Police....
I do give checks for Christmas Gifts for my family....
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I used to give checks at Christmas but the "grands" did not have bank accounts and was getting to be a problem getting them cashed. Now I give gift cards as everybody has a favorite store. Starbucks, Forever 21, Amazon and TJ Maxx are favorites. Others get MC or Visa and they can use anywhere!. I never worry about if something fits or the right color. I buy one or 2 each month during the year and so I have them all by December. Also get them for the maintenance guys at the complex as they help me all year long with things. Leaves only a few actual gifts to be bought. Works for me.
 
Gary O' said:
I have a checking acct
....and some checks, somewhere





Power grid goes down?
Try cashing yer paper checks then
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Why not? At the local level anyway. Get out the old rubber stamp & ink pad.

We did that long before the digital world emerged.
 
rgp said:
Why not? At the local level anyway. Get out the old rubber stamp & ink pad.

We did that long before the digital world emerged.
Click to expand...

I know the company I work for will not accept any check that doesn't get approved by the Telecheck machine we have which is hooked up to.........................the grid. Not many companies that I know of except maybe some Mom & Pop stores accept checks without using these machines first.
 
terry123 said:
I used to give checks at Christmas but the "grands" did not have bank accounts and was getting to be a problem getting them cashed. Now I give gift cards as everybody has a favorite store. Starbucks, Forever 21, Amazon and TJ Maxx are favorites. Others get MC or Visa and they can use anywhere!. I never worry about if something fits or the right color. I buy one or 2 each month during the year and so I have them all by December. Also get them for the maintenance guys at the complex as they help me all year long with things. Leaves only a few actual gifts to be bought. Works for me
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For younger children, I've successfully sent cash via the mail...
but I mail the birthday card & cash in another type of envelope
so it's not obvious from the outside it's a greeting card.
 
KingsX said:
For younger children, I've successfully sent cash via the mail...
but I mail the birthday card & cash in another type of envelope
so it's not obvious from the outside it's a greeting card.
Click to expand...
My Christmas gift cards are put inside regular Christmas cards and mailed with other goodies in a box. Most of my family lives away so we mail boxes to each other with homemade candy, cookies, presents and the gift cards. One family lives here in Clear Lake near me and we gather together for the day and exchange gifts and have our meal. When the "grands" were very young, I did the cash thing also, then checks as they got older and now gift cards. Makes it easier for me since I cannot get out much anymore. Reminds me that I need to check my stash and see how I am coming with this year's cards.
 
I went paperless as soon as it was offered. I receive all my bill notifications via email and pay everything electronically. All incoming moneys are direct deposit. I trust the "power grid" more than I trust the USPS.:D
 
terry123 said:
My Christmas gift cards are put inside regular Christmas cards and mailed with other goodies in a box. Most of my family lives away so we mail boxes to each other with homemade candy, cookies, presents and the gift cards. One family lives here in Clear Lake near me and we gather together for the day and exchange gifts and have our meal. When the "grands" were very young, I did the cash thing also, then checks as they got older and now gift cards. Makes it easier for me since I cannot get out much anymore. Reminds me that I need to check my stash and see how I am coming with this year's cards.
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My only child died young, so all birthday and Christmas gifts [usually money] and eventually my estate go to my niece and nephew and their children. What bothers me is this... none of them will voluntarily send me back any notification the gifts have been received... much less a "thank you"... neither the children nor their parents. When I send a gift via Amazon, I will send an email alerting them to expect it and asking them to let me know it was received.... but no... they never send back an email to let me know it was received unless I send yet another email after the fact asking if it was received. In other words, my gifts all seem to go down a black hole of bad etiquette. So, to confirm they even received the gift, I have to follow up and ask. Frankly, I am getting tired and more than a little put off by it. When I was young and older relatives sent me or my child gift money in the mail, I always responded with a thank you note. If for no other reason, you'd think my relatives would want to encourage me to keep sending gifts [usually money]... which I am seriously considering NOT continuing to do in the future. I do have another adult nephew [single, no children] who I also used to send Christmas money [checks] to.... but after years of only getting a canceled check back in return, I stopped. It makes me want to rethink who will get my estate or if I will just spend it all on myself. Maybe one of my young grand nieces or nephews will prove themselves worthy [but I'm not holding my breath.]

This is such an aggravating problem... I have reposted this as a new topic.

https://www.seniorforums.com/showth...uot-Thank-You-quot-cards-emails-texts-anymore
 
quote_icon.png
Originally Posted by Gary O' I have a checking acct
....and some checks, somewhere





Power grid goes down?
Try cashing yer paper checks then


rgp said:
Why not? At the local level anyway. Get out the old rubber stamp & ink pad.

We did that long before the digital world emerged.
Click to expand...

What ā€˜local levelā€™?

The two small town stores nearest me has trouble with checks when the grid is up (Iā€™ve seen this happen while in line)
I seriously doubt they just shrug and go ahead when the grid is down

Perhaps one should bring in a dozen range free eggs in trade for a gallon of milk
Did that long before the rubber stamp and ink pad
 
Gary O' said:
quote_icon.png
Originally Posted by Gary O' I have a checking acct
....and some checks, somewhere





Power grid goes down?
Try cashing yer paper checks then




What ā€˜local levelā€™?

The two small town stores nearest me has trouble with checks when the grid is up (Iā€™ve seen this happen while in line)
I seriously doubt they just shrug and go ahead when the grid is down

Perhaps one should bring in a dozen range free eggs in trade for a gallon of milk
Did that long before the rubber stamp and ink pad
Click to expand...

And how will checks go through the bank clearing houses if the grid is down?? Even the rubber stamp pad doesn't do any good if checks can't get through the clearing houses.
 
Gary O' said:
quote_icon.png
Originally Posted by Gary O' I have a checking acct
....and some checks, somewhere





Power grid goes down?
Try cashing yer paper checks then




What ā€˜local levelā€™?

The two small town stores nearest me has trouble with checks when the grid is up (Iā€™ve seen this happen while in line)
I seriously doubt they just shrug and go ahead when the grid is down

Perhaps one should bring in a dozen range free eggs in trade for a gallon of milk
Did that long before the rubber stamp and ink pad
Click to expand...

Say there feller, I'd be willing to trade some mutton for those eggs and milk.
 
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