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i have a ?

Discussion in 'America the Beautiful' started by kauphy, Apr 30, 2012.

    Apr 30, 2012
  1. kauphy

    kauphy Meister Member

    Occupation:
    mom
    Location:
    az
    hi i have a ? for players in the u.s.

    when you play and cash out by check where do you cash the check?

    do you always put it in your bank?

    the only reason i,m asking is because i was told by 2 diffdent casinos(r.t.gs)

    that i could not cash the checks anywhere if i was to cash out that way and that i could only put them in my bank or they would bounce.

    so i,m wondering what other players do caz i have cashed all mine at wal-mart and have not had a promble doing so.
    but was told that i could,nt do that any more

    i don,t have a bank account and don,t want one.

    thanks everyone.
     
  2. Apr 30, 2012
  3. Nifty29

    Nifty29 Dormant account

    Occupation:
    PAID CASINO SHILL
    Location:
    Turn right, then right. then right again
    Out of interest, is it normal in the states to not have a bank account?

    Over here, it is pretty much unheardof. In fact, you can't get government benefits etc without one (the banks are obliged to provide a fee free account for this purpose).

    Sorry it is not an answer but I've wondered for a while.
     
  4. Apr 30, 2012
  5. dionysus

    dionysus can turn wine into water CAG MM

    Occupation:
    n/a
    Location:
    I'm a Canucklehead
    I can't speak for anyone else, but personally, I've survived without one..actually, I've even had several which have been closed for lack of usage over the years. I suppose it depends where and how you receive your income if any. Government cheques can be directly deposited or mailed and cashed at cheque-cashing outlets. Same as paycheques. If you have a 'cash' job or under the table job, it's not necessary at all.
     
    1 person likes this.
  6. Apr 30, 2012
  7. rockycatt

    rockycatt meistercatt CAG MM

    Occupation:
    carpenter
    Location:
    Boston
    In the states you should have two banks in two location one for household , the second for hobby
     
    1 person likes this.
  8. Apr 30, 2012
  9. ksb11

    ksb11 Senior Member

    Occupation:
    Personal Trainer
    Location:
    Wait'n for a payout!
    No, Nifty, it's not normal, or I should say the usual. Not that you can't get by without a bank account but it would make it more difficult to get certain things like gov't benefits, buy a car, ect. But some people can make it work, especially if you have people contacts.
     
    1 person likes this.
  10. Apr 30, 2012
  11. ksb11

    ksb11 Senior Member

    Occupation:
    Personal Trainer
    Location:
    Wait'n for a payout!
    That is interesting, cashing them at Wal-Mart that is. I always deposit mine at my bank and have never had one bounce (I'm sure my next one will, Lol). Some of my cashouts are in the dollar range where I would feel a little uncomfortable cashing the check at a store. May I ask what the highest $$$ amount you have ever been allowed to cash at Wal-Mart is? Or if that's nosy could you say if you have ever cashed a check at Wal-Mart for $1500-$2000? I would just like to know the protocol for that kind of dollar amount. Thanks.
     
  12. Apr 30, 2012
  13. LooneySyl

    LooneySyl Dormant account

    Occupation:
    Disabled
    Location:
    Coachella Valley - Palm Springs Area, CA
    I have yet to win big enough to cash out but then again i dont deposit much and small amounts at that. I do wonder though if i ever did win where would i cash that check. Im in USA. My check is direct deposit to a mastercard and i dont have a bank account per se. Hmmmm. Any suggestions anyone or possibilities. Thank you:cool:
     
  14. Apr 30, 2012
  15. Mousey

    Mousey Ueber Meister Mouse CAG

    Occupation:
    Pencil Pusher
    Location:
    Up$hitCreek
    Something to be taken into consideration... Many banks these days charge fees... if your balance falls below X$... each time to write a check... monthly or annually just to have an account. But if you keep your eyes open, occasionally you'll find promos for "open an account now - free checking!"

    Also to be considered, my household banking account that we've had for eons is a joint account. That account has never ever been used for anything online gambling related. Years ago, hubby began to play poker, and I played at casinos. We certainly didn't want a joint account for our gambling account - and, iirc, NETeller wouldn't allow it. :) So, we had to go set up separate little $50 minimum deposit/$50 minimum balance checking accounts. This was back when the majority of basic bank accounts were free.

    But if you're going to gamble online... it's always good to have one of the little separate 'special' bank accounts. That way if the bank gets a burr under their saddle about your transactions, bounces a check, etc. it won't be the household/bill paying account that is affected.
     
  16. Apr 30, 2012
  17. Diane

    Diane Ueber Meister PABnoaccred

    Occupation:
    Consultant - HR
    Location:
    WI
    I cash out by check regularly and just deposit it into my credit union. Never had a problem cashing it there. I deposit it and then take "cash back" from my deposit.

    I can't imagine life without a bank account, but obviously it must work well for you.

    Diane

    Diane
     
  18. Apr 30, 2012
  19. anniemac

    anniemac Ueber Meister MM PABnoaccred

    Occupation:
    retired
    Location:
    Texas, USA
    You can get along quite well without a bank account in the US. Gov. checks can be direct deposited to any number of prepaid cards and you get them several days ahead of a bank because banks hold until the date of the check. Prepaids don't.


    I have one that is called a MoneyAccount which is just like a bank account except no checks.

    The problem that you run into trying to cash checks is that most check cashing places call to verify the check at the business and most checks are from places that are no more than a mailbox.
     
    2 people like this.
  20. Apr 30, 2012
  21. harrys99

    harrys99 Dormant account

    Occupation:
    Bar Business/Office Management
    Location:
    Wherever I Want
    I agree. Got the following data from an article that cheetahwind posted earlier:

    According to a 2009 survey conducted by the FDIC, 7.7 percent of U.S. homes don’t have any bank accounts and are classified as “unbanked.”
     
  22. Apr 30, 2012
  23. kauphy

    kauphy Meister Member

    Occupation:
    mom
    Location:
    az
    the highest i have ever cashed at wal-mart was for a little over a 1000$ and had no promble doing it.

    yes i get by very good without a bank account my sons s.s.i goes to my card and my husbands v.a goes to his card.

    don,t like bank account never have.

    nifty there are alot of people over here that don,t have bank accounts.

    but i was just wondering about everyone eles and thanks so much for the replys very helpfully:)
     
  24. Apr 30, 2012
  25. rainmaker

    rainmaker I'm not a penguin CAG webmeister

    Occupation:
    -
    Location:
    -
    Yes, not to have a bank account is pretty much unheard of here in Norway as well (tax refund, gov benefits etc are handled through bank accounts).

    As for checks, I have not seen a check since I was a little kid, so I honestly would not know what do with it :)
     
  26. Apr 30, 2012
  27. anniemac

    anniemac Ueber Meister MM PABnoaccred

    Occupation:
    retired
    Location:
    Texas, USA
    Writing a check in the US now is going away as the norm now also. Some places won't even take a paper check now. Strange how things go.
     
  28. Apr 30, 2012
  29. Tirilej

    Tirilej Still a Lady CAG

    Occupation:
    Breathing
    Location:
    Sweden
    We are so behind our time you and I:rolleyes: but I have not seen a check since I was a child either, and that was a long time ago. I don't even know if they exists in Sweden:eek2:

    You can be without a bankaccount here but it would be plain stupid since banks and stores almost not uses cash anymore. Everyone has a card or 20 and use that for everything.
    To pay your bills or take any money out from special stores that's doing that service is so expensive that almost noone using it. Soon I don't think we will use any cash at all. It will all be electronic.
     
  30. May 5, 2012
  31. secret2

    secret2 irishbrit62 MM

    Occupation:
    driver
    Location:
    New York, United States
    Not everyone here, in the USA trusts banks and quite rightly so, until recently with the 'Big banks'.

    The new ruling of transaction fees and overdrawn fees have changed. TG!.

    Then, other reasons are that the IRS can conviscate your bank funds and just take when and what they want, if you owe them.

    Other reasons are just theft. It's a big problem here.

    I am happy with my 'big' bank since the changes in fees...and recently have had to be issued a different debit card due to fraud...so they are on the ball.

    You can also have Government checks sent to a Check cashing place here, so no need for a checking account.

    The USA understands that many people do not want a bank account. There are of course disadvantages..but we can get by without them. :)
     
    2 people like this.
  32. May 5, 2012
  33. azzagirt

    azzagirt Experienced Member

    Occupation:
    Retail, not any more.. I am now a call centre oper
    Location:
    Great Southern Land.
    In Aust, I doubt that we could get a home loan without a history of savings..First timers need to show a 6 month savings history before approval in most cases. And pretty much most employers pay into your bank account. They wouldn't believe you here if you said you didn't have one.
     

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