re: Medical Billing has gone mad

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There actually is a good reason for this.

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For cash deposits? Explain the good reason for asking for ID on cash deposits.

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So I deposit a bad check to your account, which most banks will credit to you almost instantly.

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Which bank will credit a check almost instantly? Unless you have succifient funds to cover it they usually put a hold on the check. And if it’s more than 5k they put a partial hold even if you have sufficient funds.