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Things you just don't get - Page 449

post #6721 of 14598
Why banks and financial services companies have shitty apps with almost no functionality when any smartphone that can use the app has a web browser that affords access to their regular full-functionality website.
post #6722 of 14598
Vanguard's app is awesome.
post #6723 of 14598
Quote:
Originally Posted by imatlas View Post

but god forbid anybody sees un-pixellated genitalia!

this is how that "sideway vagina" rumor started
post #6724 of 14598
Quote:
Originally Posted by acidboy View Post

this is how that "sideway vagina" rumor started

Actually, that one's true. I've seen it.

Or perhaps I was just really drunk that night.
post #6725 of 14598
Quote:
Originally Posted by lawyerdad View Post

Why banks and financial services companies have shitty apps with almost no functionality when any smartphone that can use the app has a web browser that affords access to their regular full-functionality website.

Schwab's app had photo-deposit of checks. That alone makes the app worth it.
post #6726 of 14598
Quote:
Originally Posted by otc View Post

Schwab's app had photo-deposit of checks. That alone makes the app worth it.

Last year we had an interesting case. A housekeeper had been depositing her pay using photo deposit. She was saving the cheques and tried to deposit her last three months of pay in person after she quit.
post #6727 of 14598
Quote:
Originally Posted by otc View Post

Quote:
Originally Posted by lawyerdad View Post

Why banks and financial services companies have shitty apps with almost no functionality when any smartphone that can use the app has a web browser that affords access to their regular full-functionality website.

Schwab's app had photo-deposit of checks. That alone makes the app worth it.

I still don't get it, what is it with checks/cheques? Please join the second half of the 20th century.
post #6728 of 14598
Quote:
Originally Posted by Fang66 View Post

I still don't get it, what is it with checks/cheques? Please join the second half of the 20th century.

Still the easiest option for person to person payments, especially larger ones. I can't use a card (well, without the other person having one of those phone reader thingies), and I don't like carrying massive amounts of cash.

But using one at a store? Yeah, get with the program.
post #6729 of 14598
Quote:
Originally Posted by Piobaire View Post

Last year we had an interesting case. A housekeeper had been depositing her pay using photo deposit. She was saving the cheques and tried to deposit her last three months of pay in person after she quit.

I imagine they didn't go through right? duplicate check numbers should get flagged. Obviously, your bank will still give you the "we trust you" portion that is available immediately, but they shouldn't clear it all unless the checks were very small.
Quote:
Originally Posted by cptjeff View Post

Still the easiest option for person to person payments, especially larger ones. I can't use a card (well, without the other person having one of those phone reader thingies), and I don't like carrying massive amounts of cash.

But using one at a store? Yeah, get with the program.

Dunno if I have ever written a check in a store, but its the standard way to pay for an apartment application/first month/deposit (even if they have automatic bill pay for the rest of your rental). My rental company doesn't have auto-debit, so my bank just prints out a check and mails it at the end of the month...zero work on my part, but there is still a paper check. I also pay my portion of the family cell phone bill the same way....my dad just gets a check from my bank.

When I bought my boat last year, I wrote the guy a check...too much cash to carry around and any other method available in the US involves fees (unless we were both Chase members...they have some free person-to-person transfer service). Not worth paying 3% when I could just write a check. Then my buddy who co-owns the boat cut me a check for his half. And I think I sent a check to pay for mooring since they tack on a credit card fee as well.

Everybody's first paycheck is an actual check too...always takes at least one cycle for people to enroll in direct deposit (and the preferred way to enroll in direct deposit is to just give HR a voided check).

I wish there were better options...but those little pieces of paper do work quite well.
post #6730 of 14598
problem with personal checks is that you usually need to wait for them to clear. the last time I needed to write a person-to-person check was buying a car, and I brought him a cashier's check that the seller encashed at the bank I wrote the check from. otherwise we would have waited for this stupid clearing period and who knows what happens in the interim.
post #6731 of 14598
Quote:
Originally Posted by Fang66 View Post

I still don't get it, what is it with checks/cheques? Please join the second half of the 20th century.

the bigger the better muther fucker!

post #6732 of 14598
Quote:
Originally Posted by HRoi View Post

problem with personal checks is that you usually need to wait for them to clear. the last time I needed to write a person-to-person check was buying a car, and I brought him a cashier's check that the seller encashed at the bank I wrote the check from. otherwise we would have waited for this stupid clearing period and who knows what happens in the interim.
I sold a car a while back, and was stunned when the guy pulled out thousands of dollars in cash. The cash was fine, but I was expecting a cashiers check.
post #6733 of 14598
Quote:
Originally Posted by LawrenceMD View Post

the bigger the better muther fucker!

so that's what the Fonz did after Happy Days
post #6734 of 14598
Quote:
Originally Posted by otc View Post

I imagine they didn't go through right? duplicate check numbers should get flagged. Obviously, your bank will still give you the "we trust you" portion that is available immediately, but they shouldn't clear it all unless the checks were very small.

The bank phoned our comptroller right away. The only reason I know about it is my CFO told me about it and pointed out the person was pretty observant as our checks have a 120 day expiration and she only tried it with three months worth of checks.
post #6735 of 14598
Quote:
Originally Posted by otc View Post

Dunno if I have ever written a check in a store, but its the standard way to pay for an apartment application/first month/deposit (even if they have automatic bill pay for the rest of your rental). My rental company doesn't have auto-debit, so my bank just prints out a check and mails it at the end of the month...zero work on my part, but there is still a paper check. I also pay my portion of the family cell phone bill the same way....my dad just gets a check from my bank.

When I bought my boat last year, I wrote the guy a check...too much cash to carry around and any other method available in the US involves fees (unless we were both Chase members...they have some free person-to-person transfer service). Not worth paying 3% when I could just write a check. Then my buddy who co-owns the boat cut me a check for his half. And I think I sent a check to pay for mooring since they tack on a credit card fee as well.

Everybody's first paycheck is an actual check too...always takes at least one cycle for people to enroll in direct deposit (and the preferred way to enroll in direct deposit is to just give HR a voided check).

I wish there were better options...but those little pieces of paper do work quite well.

Let me rephrase, America please join the second half of the 20th century.
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