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Started By
Message
Cashing a REGIONS check at a Regions bank
Posted on 12/22/09 at 1:19 pm
Posted on 12/22/09 at 1:19 pm
Thumbprint and Drivers license ??? wtf ...is this normal now ?
7
Posted on 12/22/09 at 1:20 pm to Zilla
LOL @ thumbprint.
Posted on 12/22/09 at 1:20 pm to Zilla
Many banks are requiring this for people who don't have an account with them. Do you have an account at Regions?
Posted on 12/22/09 at 1:26 pm to LSURussian
of course not ....if MY bank tried to fingerprint me I would withdraw my $ on the spot
Posted on 12/22/09 at 1:27 pm to LSURussian
the absolute ONLY scenario I can come up with is if the check was stolen ? but still, images of EVERY single check written are scanned and sent to the FED, every day ...now they have my fingerprint 
again 
again This post was edited on 12/22/09 at 1:28 pm
Posted on 12/22/09 at 1:29 pm to Zilla
quote:I don't think Regions finger prints someone who has an account with them. That's the point.
if MY bank tried to fingerprint me
Posted on 12/22/09 at 1:30 pm to Zilla
quote:This has nothing to do with getting identification of someone the bank does not know.
but still, images of EVERY single check written are scanned and sent to the FED, every day
Posted on 12/22/09 at 1:47 pm to rmc
Yeah IDK I've never even tried cashing a check somewhere other than my own bank.
Posted on 12/22/09 at 1:49 pm to kfizzle85
How many of you have been charged by any bank for cashing a check at the bank upon which the check was drawn?
Posted on 12/22/09 at 1:57 pm to LSURussian
quote:
I don't think Regions finger prints someone who has an account with them. That's the point.
well, yea, why would they ?
point is, its a regions check ...they will know if it's going to bounce or not ...typically, banks just give you the cash ...they could care less who the peson is
Posted on 12/22/09 at 1:57 pm to LSURussian
quote:
This has nothing to do with getting identification of someone the bank does not know.
right, but it has to do with why i don't like it
Posted on 12/22/09 at 1:58 pm to Zilla
quote:So if I steal a check and cash it, that's not the bank's problem? Wrong.
they will know if it's going to bounce or not
quote:Still wrong....
they could care less who the peson is
This post was edited on 12/22/09 at 1:59 pm
Posted on 12/22/09 at 1:58 pm to rmc
quote:
I think its fairly routine for all banks where you do not have an account. I know its happened to me several times, namely Whitney and Regions.
never happened to me at chase or cap 1
Posted on 12/22/09 at 2:00 pm to LSURussian
stolen checks <> bounced checks ....if you will have noticed, the stolen check scenerio was the one scenerio I mentioned above
Posted on 12/22/09 at 2:02 pm to Zilla
If Regions' identification process is too onerous for you, I suggest that you not accept a Regions check in the future. Or, open an account there.
Posted on 12/22/09 at 2:02 pm to LSURussian
quote:
So if I steal a check and cash it, that's not the bank's problem? Wrong.
for the sake of arguing, since thats all you seem to like to do now, why exacly is it ? (I just don't know how that scenario would play out, enlighten me )....they would obvioulsy only cash a certain amount and only up to amount available ...seems like that would fall on the individual ?
Posted on 12/22/09 at 2:03 pm to Zilla
go to Regions or Trustmark in Jackson and they do it.
Doesn't bother me. Where I get mad is where they start charging fees.
Doesn't bother me. Where I get mad is where they start charging fees.
Posted on 12/22/09 at 2:03 pm to LSURussian
quote:
If Regions' identification process is too onerous for you, I suggest that you not accept a Regions check in the future. Or, open an account there.
thanks for the advice, i needed that... let me leave the Russian board now
Posted on 12/22/09 at 2:08 pm to Zilla
quote:Where am I arguing? You asked a question in the OP and I answered it. You asked follow up questions and I answered those as well. How do you consider that arguing?
for the sake of arguing, since thats all you seem to like to do now,
quote:No, the bank is responsible for obtaining identification of the person cashing a check. If they fail to do it and later the owner of the account files a claim against the bank because the check was stolen or altered, the bank has no defense and must credit the funds back to the account holder and the bank can't track down who cashed the check since they didn't get ID.
why exacly is it ? (I just don't know how that scenario would play out, enlighten me )....they would obvioulsy only cash a certain amount and only up to amount available ...seems like that would fall on the individual ?
I suppose this answer is "arguing" also.....
This post was edited on 12/22/09 at 2:16 pm
Posted on 12/22/09 at 2:10 pm to Zilla
Its pretty common for cashing or even depositing any check over 500.
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