Author Topic: Need advice how to deposit a check  (Read 12865 times)

Offline Ergel

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Need advice how to deposit a check
« on: December 27, 2015, 08:42:54 PM »
I have a fairly substantial check I need to deposit before the end of the year. I was planning on doing that tomorrow in Niagara. However, now that I am sitting down to plan my route, I see there are no Chase banks or Wells Fargo banks within 50 miles of Niagara. I also have accounts with American Express and Fidelity.
Anyone with any bright ideas about how to solve this issue
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Offline chff

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Re: Need advice how to deposit a check
« Reply #1 on: December 27, 2015, 08:45:37 PM »
Phone app?

Offline mrprez27

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Re: Need advice how to deposit a check
« Reply #2 on: December 27, 2015, 08:51:55 PM »
I saw Nigeria instead of Niagra...I was thinking hmmm did a Niagra price send you a check haha . . . I wonder if the phone app will let the check go through with such a big amount.

Offline Ergel

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Re: Need advice how to deposit a check
« Reply #3 on: December 27, 2015, 08:57:28 PM »
Max 2K
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Offline Centro

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Re: Need advice how to deposit a check
« Reply #4 on: December 27, 2015, 08:58:49 PM »
Mail it to a friend/family?

Offline benjie1305

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Re: Need advice how to deposit a check
« Reply #5 on: December 27, 2015, 08:59:18 PM »
What about mailing it to the bank. Call them and explain and ask if you could mail it to them for deposit.
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Offline bubble347

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Re: Need advice how to deposit a check
« Reply #6 on: December 27, 2015, 09:00:41 PM »
Open an account in a nearby bank?
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Offline Mordyk

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Re: Need advice how to deposit a check
« Reply #7 on: December 27, 2015, 09:14:56 PM »
What about mailing it to the bank. Call them and explain and ask if you could mail it to them for deposit.
believe it or not but you can mail a check to a bank. i worked in a nursing home and there was this old rich guy that always mailed his checks to the bank andi asked him once about it
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Offline eis517

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Re: Need advice how to deposit a check
« Reply #8 on: December 27, 2015, 09:26:42 PM »
I have a fairly substantial check I need to deposit before the end of the year. I was planning on doing that tomorrow in Niagara. However, now that I am sitting down to plan my route, I see there are no Chase banks or Wells Fargo banks within 50 miles of Niagara. I also have accounts with American Express and Fidelity.
Anyone with any bright ideas about how to solve this issue

You can deposit a US cheque in a Canadian account and they will just convert it into Canadian Dollars.

Offline Ergel

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Re: Need advice how to deposit a check
« Reply #9 on: December 27, 2015, 09:31:01 PM »
Mail it to a friend/family?
That's what i came up with too. Looking for another idea but this is the last resort
Open an account in a nearby bank?
Too much effort
believe it or not but you can mail a check to a bank. i worked in a nursing home and there was this old rich guy that always mailed his checks to the bank andi asked him once about it
I know I could do that but no guarantee that it will be deposited on time.
You can deposit a US cheque in a Canadian account and they will just convert it into Canadian Dollars.
They take FOREVER to process. No way it will be done by the end of the year
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Offline an613

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Re: Need advice how to deposit a check
« Reply #10 on: December 27, 2015, 09:47:49 PM »

Max 2K

For which institutions? Almost positive I've deposited >2k with fidelity before

Online chulent613

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Re: Need advice how to deposit a check
« Reply #11 on: December 27, 2015, 09:58:28 PM »
Max 2K
-1
With chase, it depends on the account. If you have 10k in the account then you become a chase private client which lets you deposit $25k with the app.
Not sure what the timeframe is for these changes.

Offline Dan

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Re: Need advice how to deposit a check
« Reply #12 on: December 27, 2015, 10:00:52 PM »
They take FOREVER to process. No way it will be done by the end of the year
If this is for tax purposes, there's no need for it to reach the account by the end of the year, just initiating the process is fine.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline David Smith

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Re: Need advice how to deposit a check
« Reply #13 on: December 27, 2015, 10:01:10 PM »
-1
With chase, it depends on the account. If you have 10k in the account then you become a chase private client which lets you deposit $25k with the app.
Not sure what the timeframe is for these changes.
I was never sure what the parameters for being a private client are. It's having 10k? I thought it was higher.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Online chulent613

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Re: Need advice how to deposit a check
« Reply #14 on: December 27, 2015, 10:02:08 PM »
I was never sure what the parameters for being a private client are. It's having 10k? I thought it was higher.
I think it's $10k for x amount of time.

Offline David Smith

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Re: Need advice how to deposit a check
« Reply #15 on: December 27, 2015, 10:03:20 PM »
I think it's $10k for x amount of time.
Interesting. I think that it automatically carries over to family members, also.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Offline Dan

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Re: Need advice how to deposit a check
« Reply #16 on: December 27, 2015, 10:05:13 PM »
I was never sure what the parameters for being a private client are. It's having 10k? I thought it was higher.
There's no hard requirement, it's up to your local banker.
If you have a friend who's a Chase banker they can do it with $1 in the account.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline David Smith

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Re: Need advice how to deposit a check
« Reply #17 on: December 27, 2015, 10:08:19 PM »
There's no hard requirement, it's up to your local banker.
If you have a friend who's a Chase banker they can do it with $1 in the account.
I've been a CPC for as long as i can remember, but that probably was a carryover from a family member. I have yet to figure out any difference it makes. (I guess that the new higher limits for private clients is a solid difference.)
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Dan

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Re: Need advice how to deposit a check
« Reply #18 on: December 27, 2015, 10:09:56 PM »
I've been a CPC for as long as i can remember, but that probably was a carryover from a family member. I have yet to figure out any difference it makes. (I guess that the new higher limits for private clients is a solid difference.)
Reimbursed ATM fees from other banks, free checks, no forex fees, waived min balance reqs, waived Wire fees, higher limits, CPC Museum card upon request.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

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Re: Need advice how to deposit a check
« Reply #19 on: December 27, 2015, 10:12:11 PM »
Reimbursed ATM fees from other banks, free checks, no forex fees, waived min balance reqs, waived Wire fees, higher limits, CPC Museum card upon request.

Nice. Now I need to find a Chase Banker friend...
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