Frogthebountyhunter
60956
1974
109
Oct 19, 2016 1:25 AM
Frogthebountyhunter
60956
1974
109
sodaklegend
Fun fact: you can write everything out besides the dollar amount and have your check book out before the cashier finishes ringing u up.
jessinthedark
*cough*cheque*cough*
LongAndHardSausage
What are these? Greetings, Europe.
RabbiRothschildren
I hope Mary A. Morrison has LifeLock
djbigley
Step 1: have money
bikett
In which 3rd world country people still write checks?
daxx0r
Only in america...
iAmAHamster
I carry a check in my wallet for in case I forget my debit or credit card. It has totally saved my ass. That was my Grammys advice.
d3jake
Wow... I feel ancient that I know how they work, and I'm in my 20's.
Sorcatarius
Cute? No, I write "Thanks for letting me poop on your chest" on every one so the teller sees it.
MoonBaseClavius
"We no longer accept checks"
SonicBoomYourFamily
Lol I learned this in the 4th grade. Also, use your bank's online bill pay function, people. Writing a check is ridiculously antiquated.
livingthedream
How to write a check: Don't. Pay your bills online, it's not the Dark Ages.
oratoriotangram
Dad tip: in the " For:" section put your child's name and child support or she can claim you haven't paid
bananasinpyjamas
if that knowledge is from your own experience, i feel bad for you man :(
toboldlygowherenomanhasgonebefore
A check? Is this the stone age? Last time I saw one was > 15 years ago (Germany calling).
angelxaces
Fun fact: technically a "check" doesn't have to be written on a check. As long as it has the correct info it is legal.
DavidBrooker
With a few exceptions, yeah. Normal checks are just legally-binding instructions for your bank.
SonicBoomYourFamily
Incorrect. Legit checks are printed with special MICR ink. Don't encourage morons out there to start writing checks on napkins and such.
ChristopherNixon
bu...but it comes with instructions
FeykroYol
Once, I was working at a gas station and, one of our illiterate regulars asked me to fill out his only check and, I wrote the wrong amount.
FeykroYol
Like an idiot
AgamemnonsMemes
Pro Tip: Its 2016, stop using cheques.
madjecks
Seriously.
ChloeRed
i still get a lot from call outs where people want to pay it on the spot.
Cuntard
What does the current year have to do with it?
Nanoxt
I think we haven't used those like after 1930s? So; much.
ColoradoDiceCo
DO NOT WRITE DOLLARS. The check already says "dollars". If you write out "twenty dollars," you're actually writing "twenty dollars dollars."
AuBoss
Dollar dollar bill yall
Glumerlink
fun fact, whatever you write in that box to the right doesn't actually matter, the only part that does is the bit with the words written out
Glumerlink
so if you happen to write 10,000 dollars in the line and 100 dollars in the box, welp, you're paying 10,000
IAmGodot
Although it'd be really tough to write "ten thousand" when you meant "one hundred"
Glumerlink
it happens more than you think, i've done data entry for tax season and people do way crazier variations
schmajin
Poor Mary A Morrison is about to hook me up with that electronic wire.
NeverNonplussed
Methinks the account numeros may be less than legit...
schmajin
Yeah, thats what a COP WOULD SAY ISN'T IT?
Cowlerson
What sorcery is this paper transaction?!
DespiseEveryone
A what now? Is this advice for time travellers?
MrToday
My roommates usually write "For the glorious Blumpkins you give ;) " in the bottom right
fatbitcheslovecake
I always write "booty call" or "drugs"
MancrushonThor
"Sensual Massage"
Grad12
Bottom left
MrToday
Yes, that
theREALanon4000
Years ago, my roommate wrote for a "blowjob". A few weeks later, i noticed a weird deposit amount...called the bank and they told me who
theREALanon4000
wrote the check...and then read the memo aloud in the most professional, non-judgmental way
DieBySnuSnu
I was lending my dad some money. I wrote "hookers and blow" in the memo line. He thought it was funny. He said the bank teller didn't.
TorturdChaos
I wish they had covered this in school.....
Hizoran
They might in the special classes
realtorboi
You must've gone to a crappy school if they never covered this. Now I know how to write checks and successfully use the quadratic formula
TorturdChaos
Quadratic formula was covered, checks no. Maybe I should have taken that life's skills class that sounded boring as hell....
spudcosmic
Well now you figured it out here, in 30 seconds, that you could have figured out any time you needed it with one quick google search.
spudcosmic
It's almost like it was never taught in school because it would have been a massive waste of time.
Ulthirm
Remember to add a line through the fully written out part at the end to prevent modification. and use a fucking pen you twits.
Arenvalde
It's called a "meganagrabber".
IdontTradeTeaForALiving
in The UK we write 'only' after the amount, ex: 'fifty pounds only'
sorple
How does it prevent modification? If a person is skilled enough to modify letters, can't they add a line? Never used checks, FWIW.
Zombraina
It's not like that. You can write out "One hundred" but if you don't mark out the end someone can add "and fifty" or whatever afterwards.
ItsNakedTime
I was taught to add " and no/100" after my amount. I don't know why "no" instead of 00 but it's how I was raised.
Zombraina
Well, whatever works right?
mikethegratest
Also a line through the blank space after the "who the money is for" line. Otherwise someone can add "or XXXX" and it's depositable by them.
Karatian
Wow, I've honestly never even thought of that
mikethegratest
Well, I've created a criminal.
Karatian
Or just given a criminal advice on how not to get criminal-ed by others (PS I'm not really a criminal unless you count speeding)
toddscat
...and recreational drug use.
5A5Wolf
You're a horrible human being. Say NO to drugs! Damn speedsters...
Arizoniac
Use a pen for all serious documents
DavidBrooker
Just use a pen generally.
mikethegratest
Blue pen if you can. Easier to prove the original.
Arizoniac
Good point
toddscat
It's mightier than a sword.
EngineerZero
People use cheques these days?
blitherypoop
I haven't in 5+ years. I packed my old checkbook in a move and never found it again. Never replaced it.
DirtyAxeWound
Upvote for using "cheques"
LilSis061016
My lawn service gets them, and charities...but usually I don't use them. I love google wallet or direct bank transfers for most things.
parksAndRings
I use them to pay rent and for random stuff where they take cash or check but not a card
ArneLoff
I was amazed when I moved to the states (for a limited time) and people expected to be payed by cheque.
ArneLoff
Last time I saw one in Norway was the early nineties.
ArneLoff
I lived in the states in 2009.
LordNoodles
Contractors. Lots of them. Paid and cashed same day.
IAlwaysUpvoteRickAndMorty
Rarely but yes.
circlebreaker
Yep. A dozen every year hahahahaha
Silliosophical
I get them in lieu of cash for longer housesitting & dogwalking jobs. Usually when it's over $100.
luxiem
My kid's school asks for checks to pay for things like chess club, etc. I pay my hair stylist by check so she doesn't have to pay CC fees
Soulwindow
Only because the bank doesn't "allow" me over $100 a day.
toomanyostriches
My utilities company doesn't let you sign on for paperless billing until 6 months of bills paid on time. Also to buy Girl Scout Cookies.
DavidBrooker
I've mostly used cheques as an instrument where they weren't actually cashed, like post-dated deposits.
CrazyLikeEd
Only until all the old fucks who are so angrily terrified of the internet die.
cyno01
Cant come soon enough.
ivegottwolegs
Often. For local small businesses.
AlanRodriguezSz
Exactly
IMakeAlternativeFacts
Rent.
BwibbleBwobble
I haven't used one in a while, but for my first two years of adulting I did. Then I was almost late on a car payment and decided to internet
moxymox
Electronic transfer.
IMakeAlternativeFacts
Landlords in their 80s who don't know what the hell an electronic transfer is. Ugh.
Cowhoney
If you have anyone working on a house or anything cheques are handy, don't usually keep thousands of dollars in cash.
LeatherBoots
Why would you pay for them in cash? In Finland they'd just send you a bill which you would pay online, even with your phone in like 2 secs.
DavidBrooker
My bank allows email transfers of up to $10,000 at at $0.25 per transaction (which is cheaper than what they charge for a book of checks).
TablesBobbyTables
what is an email transfer?
DavidBrooker
It's a cheque-like online interbank transfer meant for small payments between individuals. Notification of payments are sent via email. 1/2
DavidBrooker
In Canada, people with accounts at major banks can initiate a payment, and anyone with a Canadian bank account can receive payments. 2/2
TablesBobbyTables
So basically a normal transfer with email notifications?
MixMasterPants
Does anyone outside of the US use cheques still?
H2O52
Yes, but less and less. Here in France they are free so that's a free payment method.
RuthlessRuben
School spent a year to teach us how to work with checks in accounting, and then they got abolished the year before I graduated. Oh well.
fixxxation
I have never actually seen a cheque in my nearly-30 years on this earth.
Chefofrats
I last saw a cheque in Poland some 20 years ago.
Gliepss
In France, cheques are still very common.
nikkologen
havent seen one in over 10 years
grumpykraut
Nope. Never written a single one in my entire life. My parents used to, but that's almost 20 years ago. Now it's all cash or bill/transfer.
Reijm11
Not in the EU anyway
Rookofpawns
Actually in the UK they sti....oh, right. Nevermind.
CryptoCopter
In France they do
ItsQuiteHardToFindAGoodUsernameThatIsntTakenYet
France doesn't count.
IAmGodot
Fun fact: The dollar amount in numbers doesn't matter, the fully written out amount is the binding amount.
seqouia
Almost... in any contractual document written takes precedent over #s if there's a dispute. #s are still important though
LizLemmon
http://www.thetoddanderinfavoritefive.com/wp/wp-content/uploads/2014/12/94290-I-did-not-know-that-gif-Waynes-Eu3m.gif
tyfi91
But should it be one thousand two hundred, or twelve hundred? Or does that even matter?
cdlong
Doesn't matter.
ArandomDane
Here the two numbers must match or the check is invalid.
PigsWeGetWhatPigsDeserve
Fun Fact: Checkques were abandoned in the late 80’s in the rest of the world.
glgdrummer2123
Can confirm, I'm a Banker.
Alientongue
Not at all. I've had my bank take more out because one of my numbers was alittle sloppy. When I called they said the machine doesn't bother
IAmGodot
If you're in the US, the ATM might look at the numbers but it sounds like you've got an issue with your bank. Words > numbers.
IAmGodot
Lots of comments so I'll expand on my comment. United States UCC § 3-114: Handwritten > Typewritten > Printed. Words > Numbers.
Tigernos
In a British bank they'll reject it if the number doesn't match the written.
thegarlicawakens
My dad was given grieft by his bank because I goofed and the number did not match the written out amoutn.
Snooj
Another fun fact: You can literally use any piece of paper to write a check as long as you put the routing and bank account number on it.
LordNoodles
Man I don't remember routing numbers. Lucky me we have smartphones now.
PassThePinotPlz
Are you pullin my leg
Snooj
Nope. The specific font is only there so they can be automatically processed. You could write a check on a napkin.
OutDatedPopCultureReference
As someone who works in a bank, I wish everyone knew this...and also knew how to write in general.
[deleted]
[deleted]
Smilemoar
Or reject the cheque depending on the bank. Source: Personal experience.
supraman2turbo
Sometimes having really old parents is useful my dad was 43 when I was born
eviscera
As someone who manages ATMs remotely for a bank, the dollar amount in numbers is what the ATMs scan. :P
laughatmecasey
Yes but the back office and legally, it's the written amount.
eviscera
Correct.
Atria
I had a check for "5k" but the person wrote out five on the line. If I owned a business I'd be pissed if that passed as a payment.
Smilemoar
Well here in Australia the amounts in both need to add up. You know for basic fraud detection ...
TheLarrikin
I think that's why they take the written number, as its harder to change than, say, a seven into a nine.
TheLarrikin
On one had it makes sense, but on the other hand I have fingers.
Smilemoar
True. But That's why checking both is a good idea. Means now they need the numbers and the writing to match.
kargul
When you put a check in the ATM, it scans the dollar amount. Eventually, it gets approved. Do people always check to see that they match?
beautalitious90
Not necessarily true. I've had the ATM reject checks if it didn't match and make me go to the teller instead.
IAmGodot
I check to make sure they match. I could see people taking the easy road and only looking at the numbers
lexnihilo
Fun fact : in France (don't know about other countries), the date doesn't matter : the check can be cashed as soon as written
IAmGodot
Same in the US. Post-dating checks does nothing. If signed then it can be deposited/cashed.
Tigernos
Worked at HSBC in England. Post dated cheques are either cashed directly or if the teller spots the date is "wrong" rejected/shredded
OutDatedPopCultureReference
Incorrect, at least at Wells Fargo, the date is a binding part of the check.
IAmGodot
I'm gonna leave this here: http://www.consumerfinance.gov/askcfpb/967/can-bank-or-credit-union-cash-post-dated-check-date-check.html
IAmGodot
Also this: https://www.helpwithmybank.gov/get-answers/bank-accounts/checks-cashing/faq-banking-check-cashing-02.html
wutangbarrett
Ok so I don't understand this at all can you rephrase it?
Abecx
If [[numerical != written]]; then echo "Value:$written"; fi
LizLemmon
You got forty money, not 40 money.
[deleted]
[deleted]
cdlong
Does anyone else always want to reduce the fraction at the end? 9/20ths in this case?
toddscat
Now convert that to metric.
cogs
Nope, because it's in cents so always written as a fraction of a hundred. Remember, it's a Latin root.
dickable
If the numeral value and the word value aren't the same, the value of the check is the word value.
CirB
I always thought the check might be invalid if the numeral & word values didn't match?
dickable
Nope! It probably should be, but it's not.
CirB
TIL
throughthoughtthough
Write words and shit yo.
HiggityHitler
But don't catch of fire or nothin
HiggityHitler
But don't catch of fire or nothin
HiggityHitler
But don't catch of fire or nothin
jacobwgillespie
You write the check amount in words on the long line in the middle and in digits on in small box on the right. The words are binding.
wutangbarrett
Ohhhhhh ok lol I feel dumb
jacobwgillespie
eh, don't worry about it
Ryannihilation
It's fine. I bet you're pretty.
wutangbarrett
THEBEARDEDBEARWITHABEER
How to spell cheque
beyondblack
You should cheque your non-american privileges there.
Cuntard
*chequeue. Because I'm always waiting for mine
HmmICantThinkOfACleverUsernameRightNow
joebuck123
Not in Murica
dickable
*check
gunnsgalore
In Canada - cheque. In Murica- check. Also in Canada this isn't try, the amounts have to match.
THEBEARDEDBEARWITHABEER
Well I'm Canadian lol
gunnsgalore
True*
cogs
You're aware that the American spelling is the original English spelling? Britons changed it wanting to be more like the French. No, really.
Tigernos
British history is full of love/hate with France and it's language. French was in vogue enough for us to steal vocabulary then war then back
cogs
I was curious about the difference and was surprised that we got our spelling from the Brits and they changed instead of the other way.
Tigernos
Sometime in the 18th century it started being spelt with the French influence. Check>checque>cheque. Etymology is an amateur hobby of mine