rjl2621's Thoughts

I would agree, I think fraudulant checks and/or rubber checks are huge reasons why this has gone into effect. As for getting the check back, most banks no longer give checks back -- however some you can request them to still be sent back to you for a monthly fee.

For me, the copies of the checks in the statement are enough. I don't write many checks other than for rent and places like the BMV which for some strange reason haven't begun accepting credit card payments for license plates and tags. Oh well - it is the government after all.

The reason for doing this is to totally eliminate the paper check. For those who don't know what's being done, the retailer takes your blank,signed check and runs it through a reader. There it prints the stores name, date, and amount on the check. It also scans your account number and deducts the amount of the sale from your account right then and there. It works just as a debit card. If you have pending debits in the mail, and they suddenly clear before you make sure your debited purchases are covered, you will now become victim to the banking industries number one profit generating enterprise...late fees! By the time you get done with late fees, a $5.00 overdraft on your account can cost you $60.00 or more!The best thing to do is use a debit card for payment, but NOT as a debit card. ALWAYS use it as a CREDIT CARD. The debt will be removed from your checking account as always, but because you used it as a charge card, any unauthorized purchases used on that card after you leave will not be your responsibility after $50.00. Welcome to the instant, plastic funny munny world!

i learn something new from here everyday.
ionly use checks when i pay bills at home, why people want to stand there write a check all in a hurry because other people with cash or debit cards are waiting maybe rolling their eyes thinking this is the 21st century c.mon now,
i really don't want to carry cash with me none at all really.... i don't really see anything wrong with telling the cashier "debit" instead of credit, suppose they get us used to saying "credit" because the banks have a plan up their sleeve to begin charging us a fee per transaction say $0.25 by the you're so train to bark credit it's too late! and they always have a good reason why you should say credit instead od debit you need to remember your PIN is all.
Joshua