Originally Posted by Gridlock (Post 8129555)

Yeah, I get it. We deal with about 80 or so checks a month. Usually its just a straight deposit, move on with your life kind of thing.

I just get annoyed with companies treating their customers like criminals.

It USED to be that as 'I' was a good, long-term customer then you would have no problem because 'I' was the one putting it through my account. You know me, so you should have some faith in me.

I had problems with BMO regarding checks for my business account. We only had a small BMO where I grew up. Mom banked there. Dad banked there. Hell, everyone banked there. So when its time for me to get an account, it got set up there. Then I need a checking account, so off to BMO I go. Then, years later, life changes, and I need a business account. Off to BMO I go.

And I get told, "there will be a hold on your checks for 5 days"...you are kidding me, right? I've been a customer since I was 12. Did not matter. I had my client that I was working for pay me in a couple smaller checks to up the volume but still had to get in a fight with the manager to get the hold lifted.

Insane. It was...insane. I'm still bitter about BMO, even though I get treated like a fucking rock star now...there must be notes on file that I get angry when I'm told no. :)

Originally Posted by Gridlock (Post 8129555)

Yeah, I get it. We deal with about 80 or so checks a month. Usually its just a straight deposit, move on with your life kind of thing.

I just get annoyed with companies treating their customers like criminals.

It USED to be that as 'I' was a good, long-term customer then you would have no problem because 'I' was the one putting it through my account. You know me, so you should have some faith in me.

I had problems with BMO regarding checks for my business account. We only had a small BMO where I grew up. Mom banked there. Dad banked there. Hell, everyone banked there. So when its time for me to get an account, it got set up there. Then I need a checking account, so off to BMO I go. Then, years later, life changes, and I need a business account. Off to BMO I go.

And I get told, "there will be a hold on your checks for 5 days"...you are kidding me, right? I've been a customer since I was 12. Did not matter. I had my client that I was working for pay me in a couple smaller checks to up the volume but still had to get in a fight with the manager to get the hold lifted.

Insane. It was...insane. I'm still bitter about BMO, even though I get treated like a fucking rock star now...there must be notes on file that I get angry when I'm told no. :)

Originally Posted by entrax (Post 8128484)

cheques expire after 6 months, 1 year if govt of canada cheques.

to OP, like most people have said, he can endorse the cheque but he HAS to also be there, give two pieces of ID. basically the teller needs to verify that the endorsement is from the right person before the teller would want to get their stamp (and their responsibility) on it. after that, you take ownership of the cheque, and is responsible if the cheque bounces or is in any other way not cleared, not your brother anymore.

alternatively, if your teller refuses 3rd party endorsed cheques, he can sign the endorsement on the cheque, and you toss it into the machine as if you're depositing your own. if it takes 5 business days to clear, so be it, but this used to be something done on a regular basis back when cheques were more common.

Originally Posted by ImpactZ (Post 8132119)

Government cheques do not have a stale date.

Originally Posted by Gridlock (Post 8129555)

Insane. It was...insane. I'm still bitter about BMO, even though I get treated like a fucking rock star now...there must be notes on file that I get angry when I'm told no. :)