Bank refused to cash a check

[emach1]

What is the name of your state (only U.S. law)? PA

FirstTrust Bank in Pa, refused to cash a check because they could not call my employer, who was closed for the holiday but has a liasion with the bank. It was a payroll check and I have been able to cash it at their other branch.

The decision not to cash, therefore, seems arbitrary. I expressed this to the branch manager who interrupted me and said it was their policy and said I could go to the other branch, 10 miles away, to cash it but they wont.

Who is usually above a manager in a bank chain? I want to make sure the right people get the complaint that I am also going to CC to my employer. I wouldnt mind getting this wench fired, either. Just because she had to work on Holiday, she could have been a little more diplomatic rather than treat me like i'm trying to rob her bank.


Thanks

[Zigner]

Thank bank did nothing wrong.

[Antigone*of*Greece]

Originally Posted by emach1

What is the name of your state (only U.S. law)? PA

FirstTrust Bank in Pa, refused to cash a check because they could not call my employer, who was closed for the holiday but has a liasion with the bank. It was a payroll check and I have been able to cash it at their other branch.

The decision not to cash, therefore, seems arbitrary. I expressed this to the branch manager who interrupted me and said it was their policy and said I could go to the other branch, 10 miles away, to cash it but they wont.

Who is usually above a manager in a bank chain? I want to make sure the right people get the complaint that I am also going to CC to my employer. I wouldnt mind getting this wench fired, either. Just because she had to work on Holiday, she could have been a little more diplomatic rather than treat me like i'm trying to rob her bank.


Thanks

You are not the bank's customer, your employer is. There can be several reasons why the bank refused to cash your check, none of which had to be disclosed to you.

It may not be what you like to hear but it is the truth.

[CourtClerk]

Originally Posted by emach1

Just because she had to work on Holiday,

Today is not a holiday and to my knowledge, all banks were closed yesterday (which was the holiday).

However, calling her a "wench" shows that you probably lacked a little something in your approach. Maybe you should look at yourself (or open a checking account and deposit the check).

[Antigone*of*Greece]

Originally Posted by CourtClerk

Today is not a holiday and to my knowledge, all banks were closed yesterday (which was the holiday).

However, calling her a "wench" shows that you probably lacked a little something in your approach. Maybe you should look at yourself (or open a checking account and deposit the check).

Court Clerk, we've learned a lot about this OP over the past few days. His car got repoed, the repo man lost his stuff, collection accounts, cell phone bill issues and now we see that he doesn't even have a checking account. He is very knowledgeable about non-chex system banks though hmmm I wonder why. A quick look at his history should tell you what kind of poster he is.

Oh yea, and he's a victim of circumstance.

[davew128]

Originally Posted by CourtClerk

Today is not a holiday and to my knowledge, all banks were closed yesterday (which was the holiday).

However, calling her a "wench" shows that you probably lacked a little something in your approach. Maybe you should look at yourself (or open a checking account and deposit the check).

I think the issue is that our "friend" is referring to his/her employer who is taking today as a holiday not the bank.

I would question why the bank wouldn't honor the check though. It is a little odd for a bank to not cash a properly endorsed payroll check drawn on it. Maybe the employer forgot to deposit money into the payroll account?

[Antigone*of*Greece]

That is one possible reason, Dave, that a bank can refuse to cash the check. If the signature card is not on file with that branch and if the check is over a certain amount would be another very common reason.

The bottom line is that the bank does not have to cash the check for someone who is not their customer. The bank does not have to give them a reason either.

I happen to think it is fitting that the OP had issues at the bank today - what comes around goes around. He's spent hours on this board insulting debt collectors and bankers. High five to the banker managed to ruin his day.

take care, ana

[emach1]

Originally Posted by Zigner

Thank bank did nothing wrong.

Was this a debate? If so, you need to edit your post, Zigner. "Thank"? Allllrightythen. Next.

[CourtClerk]

You'd be the first person I know who has "several accounts" who, instead of depositing a payroll check, would cash it at a bank that you do no business at.

However Zigner is correct. The bank did nothing wrong as they are under no legal obligation to cash the check. If you have these "several accounts," (none with enough money in it to keep your car from being repoed and your bills paid I guess) you'll have no problem not doing business with this bank that treated you so poorly. That's always a viable recourse when you feel you haven't been treated properly.

Just a thought though, there's no purpose in having all those accounts if there is no money in them. Looking at your posting history, seems like you may just need one. Just a thought.

[Antigone*of*Greece]

the bank has no legal obligation to cash your check - that is a fact.

[BL]

I happen to have a bank account .

One branch will cash over $1000.00 , another branch will not .

It's the particular banks policy !!!

[AHA]

Originally Posted by emach1

What is the name of your state (only U.S. law)? PA

FirstTrust Bank in Pa, refused to cash a check because they could not call my employer, who was closed for the holiday but has a liasion with the bank. It was a payroll check and I have been able to cash it at their other branch.

The decision not to cash, therefore, seems arbitrary. I expressed this to the branch manager who interrupted me and said it was their policy and said I could go to the other branch, 10 miles away, to cash it but they wont.

Who is usually above a manager in a bank chain? I want to make sure the right people get the complaint that I am also going to CC to my employer. I wouldnt mind getting this wench fired, either. Just because she had to work on Holiday, she could have been a little more diplomatic rather than treat me like i'm trying to rob her bank.


Thanks

So why didn't you just go the branch you usually go to??
What is your intent by arguing about the branch's policy? Are you sue itchy?

[emach1]

Originally Posted by AHA

So why didn't you just go the branch you usually go to??
What is your intent by arguing about the branch's policy? Are you sue itchy?

Because this branch was closer. I was not at work. So I figured id go to the branch closest to home. There is nothing unusual about going to a different branch to cash your check when another branch has done the same. As far as i'm concerned my license, my credit card and my finger print are plenty of detail to pursue me had I misrepresented myself or lied about an employment check.

Hate to tell the naysayers but this branch manager was disciplined. The main bank called me personally at my job to 'reach out' and to let me know that had they have known, I would have had my check cashed at that branch as my employer is their largest client.

Guess this 'branch manager' will think twice before refusing to cash a check from my employer. I'll have to call her up and smooth things over like I enjoy doing after a good win.

[emach1]

Originally Posted by Wirelessany1

the bank has no legal obligation to cash your check - that is a fact.

My employers would take issue with the bank refusing to honor the negotiable instrument.
I would simply sue my employer for the money due, at which time they would sue the bank for not releasing the funds. Simple. Did you go to college for this stuff? lol.

[BL]

Originally Posted by emach1

Because this branch was closer. I was not at work. So I figured id go to the branch closest to home. There is nothing unusual about going to a different branch to cash your check when another branch has done the same. As far as i'm concerned my license, my credit card and my finger print are plenty of detail to pursue me had I misrepresented myself or lied about an employment check.

Hate to tell the naysayers but this branch manager was disciplined. The main bank called me personally at my job to 'reach out' and to let me know that had they have known, I would have had my check cashed at that branch as my employer is their largest client.

Guess this 'branch manager' will think twice before refusing to cash a check from my employer. I'll have to call her up and smooth things over like I enjoy doing after a good win.

So your employer called the main bank , then of course instead of potentially losing a big account , it was put on that bank's manager .

The tellers were probably oriented to not cash your check .

Isn't that they way it always turns out ?

I mean someone has to get chewed out .

Your post doesn't impress .