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05/13/06, 11:01 PM
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writing some wrongs
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Join Date: Apr 2006
Location: SW Ohio
Posts: 6,870
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So basically, they're using your check like a debit card, is that right? They scan your check and give it back and you still have to sign, like you would if you'd swiped your card. I don't understand what the difference is, except that you get the check back to tear up or use as proof of payment. And WM has less paper to handle.
Sounds like you're making a mountain out of a molehill.
IIRC, it's so easy nowadays to get overdraft protection, why worry about Check 21? My checking account is tied to my credit card. Nothing bounces, though if I'm not careful that credit card balance keeps sneaking up on me. 
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05/13/06, 11:01 PM
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Join Date: Mar 2006
Location: Georgia
Posts: 45
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Sounds like they're doing us a favor by speeding up the whole process. Like Drippingsprings said, unless you're looking to float the money a few days, there's no difference in anything except they can get people in and out faster. Also cuts down on bad checks which should save everybody a little bit of money...
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05/13/06, 11:29 PM
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Banned
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Join Date: Nov 2003
Location: Dysfunction Junction, SW PA
Posts: 4,808
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you intended to pay with funds drawn from your account ANYWAY.
what exactly is the problem.... I am missing something?
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So the last time I checked out , I wrote a check , they processed the check and had me sign an authorization to remove the funds from my account and let me keep my check .
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ok lots of places do that here.... next >>
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So Today , I get ready to checkOUT and they try this same type of transaction . I tell the girl I won't sign the authorization and I want to pay with MY check
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you paid with your check the last time. and why wouldnt you ssign the suthorization again this time like the last time?
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She says . "We have already processed the transaction and it's TOO late".....
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how did they possibly debt your account if they did not process a card or a check???
you had to have given them some form of "authotization", a debt card (handing it to them is saying "take my money") or a check (also saying "take my money")
explain how they compleated a transaction without a check or a debt card....?
either you are tripping over something simple or I am missing some huge detail.
lol
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05/13/06, 11:34 PM
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Nohoa Homestead
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Join Date: May 2005
Location: SW Missouri near Branson (Cape Fair)
Posts: 5,398
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Quote:
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Originally Posted by fordy
..................Alittle background.......I spend probably 5 or 6 thousand dollars a year in wally world . Until recently , I had always paid by check . Last week I forgot my check book and paid with a Debit card . So the last time I checked out , I wrote a check , they processed the check and had me sign an authorization to remove the funds from my account and let me keep my check . So Today , I get ready to checkOUT and they try this same type of transaction . I tell the girl I won't sign the authorization and I want to pay with MY check . She says . "We have already processed the transaction and it's TOO late".....  ...So , I tell her , You had better NOT remove any funds from MY account without MY permission because I'm NOT taking the Groceries With ME !!! If , you remove funds from My acct and I haven't rece'd any merchandise you have committed ...Theft>>>. After all , they prosecute people who steal merchandise without paying . They are trying to make ME transact business....Their way when I'm the customer and ......isn't the Customer ...ALways Right  ...LOL . Like I'm some kinda big wal-mart stockholder or something  . Anyway we'll see what happens , thanks for Listening.....fordy...  |
Apparently EFT (electronic funds transfer) is the "wave of the future". I would expect that somewhere there is a little sign "notifying" you that your money will be transferred eletronically. Many stores are using this process now - probably a few that you patronize, and don't even know about it.
The best way to avoid this is, of course, to use cash. That way, too there is no record anywhere connecting you to your purchases.
donsgal
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Life is what happens while you are making other plans. (John Lennon)
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05/13/06, 11:56 PM
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Join Date: Sep 2003
Location: Whiskey Flats(Ft. Worth) , Tx
Posts: 8,749
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.................I don't write Hot checks , and float makes NO difference as I have overdraft protection thru a savings account! The issue is , Either take MY check the way you've done in the Past or you keep your stuff and I go someplace Else . In any case , You Don't Withdraw funds from my account UNless I leave the the Building , Period . fordy... 
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05/14/06, 12:07 AM
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Unreality star
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Join Date: May 2003
Location: New York
Posts: 9,894
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Originally Posted by Cheryl in SD
Actually this is the 'new' system that started over a year ago and to which all banks/retailers are going to be moving, by federal law. Checks will no longer be processed, it will all be done electronically.
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Yes, and when they "debit" process my check, they charge me a $1.00 DEBIT FEE for each check.
I dont like that. I get charged a buck each time I use my card as a debit. I write a check out, a check I paid to have printed , and they process it as a debit and charge me a buck, for each check.
That doesnt seem legal.
__________________
Recognize the beauty in things, in creation, even when thats difficult to do.
Be loving, show compassion. Create while we're here.
Enjoy this life, be in this life but not be of it.
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05/14/06, 12:17 AM
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AFKA ZealYouthGuy
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Join Date: Oct 2004
Location: NW Pa./NY Border.
Posts: 11,453
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There won't even be paper money transactions 10 years from now. (It may exist, but people will want credit transfers)
It's my prediction, mark it down...
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05/14/06, 12:40 AM
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Join Date: Jan 2004
Location: MN
Posts: 7,610
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Originally Posted by fordy
.................I don't write Hot checks , and float makes NO difference as I have overdraft protection thru a savings account! The issue is , Either take MY check the way you've done in the Past or you keep your stuff and I go someplace Else . In any case , You Don't Withdraw funds from my account UNless I leave the the Building , Period . fordy... |
I understand you want to have control of transactions. You are paying, you should have some say.....
I'm not understanding how this was a bad transaction. You bought something, & the money came out of your account to pay for it.
If you had paid cash, then you hand over cash at the checkout: not when you walk out the door.
So, how was this transaction a bad thing? Why should they wait for you to leave the building before getting the money?
I'm not disagreeing with you....
I just can't grasp the issue from the way you are describing it. I'm hoping to understand is all, not disagree?
--->Paul
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05/14/06, 01:18 AM
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Join Date: Mar 2006
Location: West Virginia
Posts: 243
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I worked in Walmart between 2001-2004 when I quit. The # on the bottom of your check is your checking account # that they'd have regardless whether they put the check in the drawer or process it electronically & hand the check back. Have you ever given your drivers license to cash a check? If so it automatically goes through the system & tells them if you've written bad checks there. If your checks were reported stolen it also gives that information too when a possible thief tries to cash your check. Either way they only take the total amount for the purchase. Even when they accepted checks it went through a security check service immedietly telling them if the check was good or not & would decline it if you didn't have the funds in the bank. In other words they already have the information directly from the bank telling them if you have the funds in the bank to cover the check. The only difference to the consumer is now you have the paper to destroy instead of the banks dealing with it. Basically just a total waste of paper to throw away & they don't have to wait several days for the check to process through the bank. It's really a simple process that consumers find confusing. Nothing additional is being taken out of your bank account & the earlier transaction several weeks ago with your debit had absolutely nothing to do with how your check was just processed.
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05/14/06, 08:22 AM
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Join Date: Jun 2002
Posts: 695
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Quote:
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Originally Posted by fordy
.................I write a check at WM and they (use to) accept my check !! I write this check and they stick it in their little check reader and up and down it goes !! Then, they print out an authorization to debit my account and I say No Sign , You ALready have MY check . Either process my check or keep your _hit!! She says , "but we've already debited your acct" , and I say Better NOT cause I'm leavin your _hit here . i.e. , you don't remove funds from my acct when the Sale is null and Void . This situation is a Heads UP issue that could happen TOO anyone so consequently it's here instead of General Chat cause i didn't post it to start an Argument ! Makes NO difference too me , they can delete It , move it to the Solar power forum or cast it into the Abyss . fordy... |
Ooooo~key Dokey..... thanks for clearing all that up.......I'm fairly sure I understand it all completely now
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05/14/06, 08:55 AM
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Join Date: May 2002
Posts: 7,692
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I just dont write checks much anymore, but use a credit card which I pay off each month. I get a float that way though I dont buy anything that I cant pay for that very minute. I treat the credit card just like I would a check book.
By way this electronic transfer is very insecure. Once somebody has just info printed on your check they can get money from your account with no verification whether you authorize it. Course there is a record since it has to go into their account. And I might mention since there is no float, if I write a check, why does the bank make me wait before I can write checks against a deposit of somebody elses check? Since everything is electronic anymore, there should be no float in the system on either side.
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"What would you do with a brain if you had one?" -Dorothy
"Well, then ignore what I have to say and go with what works for you." -Eliot Coleman
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05/14/06, 08:58 AM
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Join Date: May 2002
Posts: 7,692
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Originally Posted by Shygal
Yes, and when they "debit" process my check, they charge me a $1.00 DEBIT FEE for each check.
I dont like that. I get charged a buck each time I use my card as a debit. I write a check out, a check I paid to have printed , and they process it as a debit and charge me a buck, for each check.
That doesnt seem legal. |
That sounds like the debit fee is something your bank imposes, not the merchant. Banks have discovered the wonderful windfall of nickel and diming people to death with fees. Switch to a bank that doesnt charge such a fee. Mine doesnt.
__________________
"What would you do with a brain if you had one?" -Dorothy
"Well, then ignore what I have to say and go with what works for you." -Eliot Coleman
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05/14/06, 09:00 AM
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Join Date: Apr 2006
Location: Wisconsin
Posts: 606
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I'm not sure that a correlation exists between use of a debit card and EFT on a written check. It's likely that store policy shifted at such a time to make the two seem connected when they are not. Paper checks are a pretty big risk for retailers. Thus the widespread use of EFT. Blame the deadbeats who write bad checks hand over fist.
If you want to avoid the problem entirely, just take cash with you when you shop. There's no account number on a $20 bill, that I can recall I always use my debit card as a credit card at places like Wal-mart. I'm guessing they have to pay a fee when I do, versus using it as a debit card. The only places I use a debit card as such are smaller locally owned businesses.
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05/14/06, 09:05 AM
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In Remembrance
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Join Date: Sep 2004
Location: Alabama
Posts: 1,947
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Quote:
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Originally Posted by Shygal
Yes, and when they "debit" process my check, they charge me a $1.00 DEBIT FEE for each check.
I dont like that. I get charged a buck each time I use my card as a debit. I write a check out, a check I paid to have printed , and they process it as a debit and charge me a buck, for each check.
That doesnt seem legal. |
My bank doesnt and yours might not either if you go to the banks and see if changing your account type will stop it. We dont get that buck your bank does.
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05/14/06, 09:48 AM
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Join Date: Feb 2004
Location: So Cal Mtns
Posts: 11,301
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Originally Posted by fordy
Makes NO difference too me , they can delete It , move it to the Solar power forum or cast it into the Abyss . fordy... |
LOL,a solar powered check,I LIKE IT! 
Hey,no Wallyworld for me,everything about that place just strikes me wrong.They are like big Banks,same attitudes.
I cant believe they cant undo a charge,Ive had them undone when they've double charged items,etc.So far as I know,there is a program to do so.
As for signing the reciept or whatever,its their store,you do it their way or shop elsewhere,so I SHOP ELSEWHERE!
BooBoo
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05/14/06, 09:55 AM
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Join Date: Feb 2004
Location: So Cal Mtns
Posts: 11,301
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Originally Posted by beorning
I always use my debit card as a credit card at places like Wal-mart. I'm guessing they have to pay a fee when I do, versus using it as a debit card. The only places I use a debit card as such are smaller locally owned businesses.
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Me too,press credit instead of debit and you save the 27 cent processing fee on debit transactions.I let the retailer pay the fee I assume?I cant see paying a fee to make their jobs easier,no money changing function on their part,they should credit me!
Always do credit at the gas pumps too,it may take a day or 2 to show as a debitted amt. on your checking acct. though.Again,save that 27 cents,they do add up over a month.
Works if your debit card also has the visa logo on it.And you do have to sign when you do it at the register,the pump asks for your zip code.
BooBoo
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05/14/06, 10:07 AM
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Join Date: Sep 2003
Location: Whiskey Flats(Ft. Worth) , Tx
Posts: 8,749
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Quote:
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Originally Posted by beorning
I'm not sure that a correlation exists between use of a debit card and EFT on a written check. It's likely that store policy shifted at such a time to make the two seem connected when they are not. Paper checks are a pretty big risk for retailers. Thus the widespread use of EFT. Blame the deadbeats who write bad checks hand over fist.
If you want to avoid the problem entirely, just take cash with you when you shop. There's no account number on a $20 bill, that I can recall I always use my debit card as a credit card at places like Wal-mart. I'm guessing they have to pay a fee when I do, versus using it as a debit card. The only places I use a debit card as such are smaller locally owned businesses. |
.............I agree completely . I will still purchase items from WM with cash or a debit card . Obviously , WM is not going to change their policy to accommodate 'ME' so I'll write checks where acceptable and use cash\debit card for others who require such . Thanks , fordy...
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05/14/06, 10:25 AM
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Join Date: Oct 2004
Location: Ohio
Posts: 4,326
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Sounds like cash is king. Just pay cash, no hidden charges
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05/14/06, 10:58 AM
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Master Of My Domain
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Join Date: Sep 2005
Location: Pennsylvania
Posts: 7,220
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Originally Posted by HermitJohn
That sounds like the debit fee is something your bank imposes, not the merchant. Banks have discovered the wonderful windfall of nickel and diming people to death with fees. Switch to a bank that doesnt charge such a fee. Mine doesnt.
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the banks have too little regulation. they should not be allowed to hold a electronic transaction for several days to make interest on the money. they should not be allowed to help create a system that prefers one type of transaction that fees can later be applied to (cooking the frog slow). if i need $20 cash and use a mac machine that charges $2, i am being charged 10% just to use MY money. electronic transfers save man hours and should result in a reduction of fees to the consumer imho. if we go to a cashless system every purchase will be subject to a fee above and beyond taxes. when are folks going to wake up and stop the banking money monsters?
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this message has probably been edited to correct typos, spelling errors and to improve grammar...
"All that is gold does not glitter..."
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05/14/06, 11:13 AM
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garden guy
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Join Date: Sep 2005
Location: AR (ozarks)
Posts: 3,516
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Quote:
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Originally Posted by btai
Sounds like they're doing us a favor by speeding up the whole process. Like Drippingsprings said, unless you're looking to float the money a few days, there's no difference in anything except they can get people in and out faster. Also cuts down on bad checks which should save everybody a little bit of money...
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I agree. I am one of those that never balances my acct I just leave a few hundred in it atleast so I dont have to worry about it.
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marching to the beat of a different drummer
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