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  1. #1
    Super Member
    Join Date
    Apr 2004
    Posts
    9,199
    Location
    SF Bay Area-Ca Olympia WA Salzburg Austria
    Tractor
    Cat D3, Deere 110 TLB, Kubota BX23 and L3800 Craftsman Mower, Deere 350C Dozer

    Default the last person paying bills by check?

    Each month I pay bills for a number of different people/entities

    Some are property accounts, some are elderly and also for Mom...

    Recently, I've noticed an uptick is payment errors... thank goodness I have the cancelled checks as proof.

    Just received a delinquent bill for underpayment plus penalty for an account I pay water for the last 30 years...

    I don't have delinquent bills... not now or never.

    Pulled my cancelled check and it was endorsed and deposited by water company within a week from when I received it...

    Clear as day with account number and property address on face of check...

    Turns out the payment was credited to someone else and not my account.

    When asked how this could happen I was told I should not use checks because it is automated and mistakes happen.

    In the old days there were several local offices to walk in and pay... not anymore... only one office downtown with no parking...

    So far it's taken 30 minutes being passed around to resolve.

    In the past 12 months similar has happened with a car insurance payment, property tax payment and HOA dues...

    I can only imagine where I would be if I couldn't produce a cancelled check.

    Did sign up for auto mortgage payments throught the credit union for my credit union mortgage... that too was screwed up for about 6 weeks because someone transposed the account number... since then, the last 7 years have been trouble free. At least is was from one Credit Union Account to another under one roof.

  2. #2
    Super Member
    Join Date
    Apr 2004
    Posts
    9,199
    Location
    SF Bay Area-Ca Olympia WA Salzburg Austria
    Tractor
    Cat D3, Deere 110 TLB, Kubota BX23 and L3800 Craftsman Mower, Deere 350C Dozer

    Default Am I the last person paying bills by check?

    Each month I pay bills for a number of different people/entities

    Some are property accounts, some are elderly and also for Mom...

    Recently, I've noticed an uptick is payment errors... thank goodness I have the cancelled checks as proof.

    Just received a delinquent bill for underpayment plus penalty for an account I pay water for the last 30 years...

    I don't have delinquent bills... not now or never.

    Pulled my cancelled check and it was endorsed and deposited by water company within a week from when I received it...

    Clear as day with account number and property address on face of check...

    Turns out the payment was credited to someone else and not my account and their payment to mine.

    When asked how this could happen I was told I should not use checks because it is automated and mistakes happen.

    In the old days there were several local offices to walk in and pay... not anymore... only one office downtown with no parking...

    So far it's taken 30 minutes being passed around to resolve.

    In the past 12 months similar has happened with a car insurance payment, property tax payment and HOA dues...

    I can only imagine where I would be if I couldn't produce a cancelled check.

    Did sign up for auto mortgage payments through the credit union for my credit union mortgage... that too was screwed up for about 6 weeks because someone transposed the account number... since then, the last 7 years have been trouble free. At least is was from one Credit Union Account to another under one roof.

  3. #3
    Super Member timswi's Avatar
    Join Date
    Nov 2008
    Posts
    5,362
    Location
    Beaver County Pa
    Tractor
    Kubota BX23 TLB, Kubota RTV1100, Kubota Z724 & Polaris Sportsman 570 Touring

    Default Re: Am I the last person paying bills by check?

    I still pay by check as I don't want my checking account online anywhere---However, if the postal service keeps raising stamp prices, I might bite the bullet to save a not insignificant amount of money---I work for a bank too.
    BX23TLB with 54" MMM
    RTV1100 with 72" Power Angle Plow
    Z724 ZTR
    Polaris Sportsman 570 Touring

  4. #4
    Super Member ovrszd's Avatar
    Join Date
    May 2006
    Posts
    8,867
    Location
    Missouri
    Tractor
    Kubota M9540, Ford 3910FWD, JD2210

    Default Re: Am I the last person paying bills by check?

    We are the opposite of Timswi. We pay everything we can electronically. Have never had a problem. I'll write 2 or 3 checks a year. Those are to small business people I might deal with buying tires or something like that. I pay them with a check so they can avoid the electronic transaction fee of a Debit Card. I'm probably nave, but so far, electronic payment has worked great for us.
    Richard

    "Happiness isn't having everything you want, it's wanting everything you have."

  5. #5
    Super Member ovrszd's Avatar
    Join Date
    May 2006
    Posts
    8,867
    Location
    Missouri
    Tractor
    Kubota M9540, Ford 3910FWD, JD2210

    Default Re: the last person paying bills by check?

    Did you post this thread in two locations??
    Richard

    "Happiness isn't having everything you want, it's wanting everything you have."

  6. #6
    Elite Member
    Join Date
    Dec 2000
    Posts
    2,715
    Location
    Southern VT, Southern ME
    Tractor
    John Deere 4100 HST /410 FEL, R4s

    Default Re: Am I the last person paying bills by check?

    I still write a few checks maybe 2 dozen annually, mainly my payments are all electronic BUT no automatic withdrawls. Nope

    Recently I have several banking issues one was a teller that entered a cash deposit as a withdrawl...boy would that mess things up but I caught it before anything happened only because before I made my next payment I pulled up my bank account just to reassure myself on the balance whew!

    The other was partially my own fault I accidently mixed 2 checks up and a banking payment got sent to the electric company and the financial institution got the other one. The electric company promptly returned the check notifying me of the error, but the bank get this...deposited the other one even though it didn't have their name on it. That didn't go over very well needless to say.

    A lot of places limit now how far back you can research prior transactions online and anything beyond that cutoff you have to make request in writing to get a paper print and sometimes they require a fee too.

  7. #7
    Super Star Member murphy1244's Avatar
    Join Date
    Nov 2011
    Posts
    18,977
    Location
    Ohio
    Tractor
    Kioti DK-40, MF-135, Ventrac 4500Y

    Default Re: the last person paying bills by check?

    Wow not just a double post but a double thread??? Amazing
    Murph

  8. #8
    Super Member ovrszd's Avatar
    Join Date
    May 2006
    Posts
    8,867
    Location
    Missouri
    Tractor
    Kubota M9540, Ford 3910FWD, JD2210

    Default Re: the last person paying bills by check?

    Quote Originally Posted by murphy1244 View Post
    Wow not just a double post but a double thread??? Amazing
    It's an epidemic!!!
    Richard

    "Happiness isn't having everything you want, it's wanting everything you have."

  9. #9
    Super Member ovrszd's Avatar
    Join Date
    May 2006
    Posts
    8,867
    Location
    Missouri
    Tractor
    Kubota M9540, Ford 3910FWD, JD2210

    Default Re: Am I the last person paying bills by check?

    DFB, I am in no way picking on you or trying to argue.

    That's why I like electronic. The problems you outlined won't happen with electronic payment.

    Automatic Withdrawal, I have no problem with. All it needs is managed. That's as simple as time on the home computer.
    Richard

    "Happiness isn't having everything you want, it's wanting everything you have."

  10. #10
    Super Member Gary Fowler's Avatar
    Join Date
    Jun 2008
    Posts
    8,853
    Location
    Bismarck Arkansas
    Tractor
    2009 Kubota RTV 900, 2009 Kubota B26 TLB & 2010 model LS P7010

    Default Re: Am I the last person paying bills by check?

    I only write checks to pay property taxes and just because they charge a fee to do debit, really strange way of doing business since there is no additional work involved with a debit card and no transaction fee either.
    2010 LS P-7010C 20F/20R gear tractor & FEL, 2009 Kubota B 26 TLB, RTV 900 Kubota,17 foot Lund boat with 70HP motor, 2012-20 ft 12k GVW trailer, 2011- 52" Craftsman ZTR mower, 2013 Ferris Zero Turn, 3 weed whackers, pressure washer, leaf blowers, 7 foot bush hog, 8 foot landscape rake , 8 foot 3 PH disc, 2 row cultivator, 350 amp Miller AC/DC welding machine and all the tools needed to keep them all repaired and running.

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