Certificates of Deposit

If the check is made out to John Smith, and he wants to give it to Suzy Jones, He writes on the back"Pay to the order of Suzy Jones", then signs his name. Suzy will have to sign her name underneath John's name.

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The above answer is partially incorrect. If this were true I could find a check to Bill Gates on the ground and right PAY TO THE ORDER OF ME and go cash it out for 5 billion. If it sounds ridiculous its because it IS! Back in the old days when people were honest and fraud didn't exist you could sign over checks all day long. In this modern age (after 2005) you can't do this at national banks. Some credit unions will allow sign over checks because they need business and are willing to take the loss. National banks like Bank of America, Wells Fargo, JP Morgan won't let you do this and if you try to bring it up to a bank teller they are going to look at you like your crazy. Even IF you manage to sneak a deposit by an unsuspecting teller your not safe! The check will most likely return, charge your account for the cash, and not only will you get fees but you'll get the teller that helps you in lots of trouble. SO save yourself some embarrassment and only try to cash or deposit checks that are made out to you or at a local credit union willing to take a risk with you.

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The portion of this answer directly above, should be questioned. After all this individual is quiet possibly delusional....and after all this individual is under the assumption that fraud didn't exist before 2005.

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Hmmm... well I won't remove the "delusional" comment from above, but I will say that I just returned from US Bank this afternoon (03/02/2010) where I cashed a two-party personal check that was signed over to me by a friend. I have been cashing signed over checks for 15 odd years at US Bank, First American Bank, and TCF. But hey, I guess US Bank isn't a "national" bank. So head over to Wells Fargo, or JP Morgan where the rates are higher (from everything from money orders to interest rates), customer service is poorer (apparently they think their customers are "crazy"), and have a no check cashing policy for signed over checks....so I guess if that's what you're looking for...be my guest go bank there. And, as far as the local credit unions go for cashing checks, I wouldn't know. I bank at the aforementioned banks and have NEVER had a problem, nor had anyone look at me like I was "crazy" in 15 years at those banks....unless you count that day I put my pants on backwards.......

Hey, and retard, if you find a blank check from Bill Gates on the ground, you fill it out for $5 billion, and sign it over to yourself, and have the money in your account to cover it. Yup you get to cash it. That's how things work. Then all you will have to deal with is the forgery and numerous other criminal counts, not to mention you are on camera cashing a check through your OWN ACCOUNT. That's why it doesn't matter, because you WILL GET CAUGHT if you do it genius. But go ahead and try, that's why real banks still allow cashing of signed-over checks....hell, and a fingerprint to the check and how far are you going to get..?

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Hi, well no need to fight. It is true that you can endorse a checked to some one else. I have been cashing my boyfriends check for awhile without him being present. One day I was making a ATM deposit at my bank, Chase, and I accidentally put his in. And guess what? They credited to my account and it was available stat. All he does is endorse his name and DL/ID# then I endorse. I couldn't believed it either given that they are government and payroll checks. Also my brother has his taxes direct deposited in my account.

Say your bank is B1, and the bank the money is coming from is B2. B2 has to ask permission from B1 if a wire transfer is acceptable. B2 then has to send the account information to B1. Account info is: account number, and routing number, Clients full name as it appears on the account, verify that the name on the account matches the name they have. Then when all verification has been approved they receive a direct deposit in the form of a wire transfer. The bank must also have the receiving bank's physical address and phone number.

It's like sending a western union, without having to worry about the extensive paper work, or the extreme fees. Sometimes banks do charge a wire transfer fee, it just depends on the kind of account you have. Wire transfers are safe and accountable. If something happens it is traceable. There is always a paper trail.

NOTE: Your employer or authorize agency must have an agreement with the bank in order to do direct deposit. Your employer and/or an authorize agency can make a direct deposit into your account. You have to go to your employer or authorize agency that pays u money and give them a voided check and give them permission to direct deposit you salary/income into the your account. Every time you personally make a deposit into your account, it is directly deposited into the account. However, most banks will make you wait until the next day to actually make a cash withdrawal. You cannot make a regular deposit look like a direct deposit because direct deposit usually come from an employer that electronically transmits your salary info only to the banks that they have an agreement with.

Not all Banks charge for foreign currency, but most of the larger national banks do charge.

I have been looking for one, and I have found someone who calls it a receipt spike. Sounds good to me.

You can also find it when you search online under bill spike.

It is called a Spindle.

Otis: There is also a receipt holder called BillBandit. More functional than the "Receipt Spike".

It is a metal plate that sticks to the wall with 5 (removable) tags, with 5 strings attached to these tags. Simply pierce your receipts onto one of the five strings ( which can be labelled for specific receipts, i.e groceries, petrol ), and they are there in chronological order.

Hope this helps.

Your funds are insured up to $100,000 per "ownership category" per FDIC-insured bank. Examples of ownership categories are an account that is solely in your name, a joint account with your spouse, and an account that is solely in your spouse's name. There would be a total of $300,000 of FDIC-insured money at this particular bank if all three of these accounts held $100,000. You may open an account at a different bank if you'd like more funds to be FDIC insured. Here are details: http://www.fdic.gov/deposit/deposits/insured/index.html Investment-Income.net shops many banks for the best rates, and holds the funds in a single account, as long as each bank is below the FDIC Insurance limit the amount of funds covered in a single account is unlimited. Enclosed it the bank CD lists http://investment-income.net/rates/bank-cd-rate-page

Your name, the name of the person or company that you are sending it to and the amount you want the check made out for

I don't think an employer can delay mailing your paycheck, but in my experience, the check arrives one day later than a direct deposit is made.

APR simply reflects the annual interest rate that is paid on an investment, but doesnÕt take into effect how interest is applied. APY takes into account how often the interest is applied to the balance, which can vary daily to annually.

It depends on who is doing the depositing/withdrawing. If the person/company owed money set up the direct payment from your payroll check, it should automatically stop when the debt has been paid. However, if you set up the direct deposit, it will continue to go through to them until you stop it by re-doing your direct deposit through your employer. Usually it's a form you fill out that lists the accounts your check goes into and the amounts - you would just submit a new one and it could take up to two (usually) pay periods to go into effect. And then the company you owed money to should cut you a check for the overage when you contact them.

A trustee can keep a case open anywhere from several months to several years if they discover assets. They are allowed time to collect the assets and then sell them. After that, they will notify and distribute the money to the creditors.

In most circumstances yes; it would require a court order and the non debtor box holder would have the opportunity to offer proof to the court as to what portion of the contents belongs to them

The safest procedure is to contact the attorney handling the estate, if there is none then contact the office of the clerk of the probate court for instructions on the matter. The party who received permission to open the safe deposit box should not dispose of (sell, spend, liquidate, pass to other family members, etc.) any of the contents until the problem has been resolved.

• It depends on the bank. Some require up to two weeks. Two weeks was typical in the past and many banks have refused to change policy after the electronic funds transfer took over the banking industry. Check with the bank and find out what their policy is. If they want to keep you hold on to your money, move your checking account to a place that's more reasonable. Banks need to be responsive to their customers.
• Generally 3-5 business days.For some lending institutions it will also depend on whether it is a check drawn on personal or business account, your banking history (average checking account balance, length of time you've held the account, etc.). Obviously the best and safest option is to check the account before withdrawing any funds.
• If the check is a low-risk item (SSI, disability, most payroll checks) usually 3-5 business days. If the your account is a high risk account or the check is high risk (personal checks, cashier checks or money orders received from people you don't know) I would wait 10 business days. Checks usually clear within 3-5 business days, but banks usually don't find out if they bounce until 2-3 weeks after that. I used to have to process all the NSFs and returns, and most people don't realize that even with electronic processing, to find out if the check is bad CAN take awhile.
• A check is considered a contract, and when you write a check, people assume that you are writing them a good check and they can hold you to that. You're not supposed to write a check knowing you don't have money in the account. You can actually be sued by the DAs office for writing bad checks. Each county (At least definitely in California) has a Bad Check Restitution Program, and people who receive bad checks can call the DA and he WILL take legal actions against you.

Input from FAQ Farmers: * If the person put your name down before death or gave you a key, you may be able to get into the box and even take contents. However, the executor of the estate can reclaim any gifts that an individual makes in the years immediately prior to their death. If it's in probate, you have to wait for a court order because the items have to be properly evaluated and disposed of according to the will. * Upon death of safe deposit box leasee the box is frozen by the bank only the will and insurance papers may be removed. The box will be inventoried by the personal rep and documented by the bank and notarized by an outside party.

Yes you can have your check cancelled. However, the landlord probably hasn't cashed the check because they are aware you may not like some of the conditions. It would be best (if you like the place to rent) to discuss, in person, with the landlord any stipulations you don't care for and see if you can both come to an amicable agreement. These are some conditions for apartments, condos or homes to rent: CONDOS: If you are renting from the owner you still have to follow the rules of the "the board" (can't remember the name they call the Board) of that building. Usually this means you cannot have different colored drapes on your windows, nothing hanging on the outside of your entrance door (some don't even allow wreaths at Xmas time) and the kicker here is the parking space. Usually it's underground parking, but seldom "guest parking" which can be a pain at times. You should ask the landlord (if a condo) who will pay the monthly fee for clean-up of garbage, any outdoor gardening around the building, etc. This should be up to the person who owns that condo. Before moving in take a video tape or camera photos (with date on the video tape or camera) of every room of your condo to protect yourself against paying for any damages incurred during the former renter or owner. APARTMENTS: Often first and last months rent has to be given, but some landlords may wave this if you are honest and low on cash. They have the law on their side as far as a "noise by-law" meaning they can give you one warning for a loud party and if it continues they have a right to kick you out of that apartment without much notice. They are not responsible, in some cases, for a parking space for your car, or guest parking. You are responsible for any damage you make in that apartment. Please take pictures (be sure the camera you take pictures with or video tape has a date on it) and go through the condition of that apartment. This protects your rights. Do this before moving in. RENTING A HOUSE: It is usually the same as the above. The only difference is you can have as many guests as you want and people will just park out on the street so parking stalls or space is usually not a problem. An important part of renting a house is to decide if the landlord or the renter is responsible for keeping up gardens and mowing the lawn. If you are in charge of keeping the lawn mowed, gardens up, then it's up the the landlord to provide you with the tools. In each one of these cases the landlord is responsible for fixing or replacing any appliances in that rental property. If you have damaged an appliance (surface of the enamel, elements on the stove, etc.) then it's up to you to have it repaired. It is also up to the landlord to have the house in good living condition; clean walls, carpets, cupboards, etc. before you move in. I mentioned the above so you would have some idea as to what are your rights and the landlords. THE LAW: If you have a problem making your rent once in a year, please see your landlord and let them know why. Usually the landlord will be OK with this if you're honest about it. If you take advantage and are late with more than two months rent the landlord has the right to change the locks on your door and refuse to let you in to get your contents out until you pay the rent. The landlord also has the right to come in to inspect your house, apartment, condo as long as they give you 24 hours notice. It is seldom they do this. They also must contact you if they should have to come in an fix emergency plumbing, etc., but if there is a leak the landlord can go in at any time, but still has to inform you they were there. If any rental place doesn't allow pets, then that's the right of the landlord and if they agree you can have a cat, dog, bird, etc., be sure it's in the contract. It's a bonus when a landlord allows pets, but you are expected to be sure that pet doesn't damage the interior of the rental property and if you have a dog it is up to you to "scoop the poop" and keep the property clean. Again, if you like the rental place you are talking about don't give up too easily and see if you can come to some agreement with the landlord. Good luck Marcy This is a goofy question! After 35 years in the landlord business I can make a statement such as that. First of all, what reasonable prospective tenant is going to fork over their check (YES, their promise to pay (until cashed)) and then work on the fact the landlord forgot to ask them to sign the application to rent (which by the way means the landlord canNOT run a credit report check), and then allow the prospect to take a copy of the lease or rental agreement to review? This sounds like the prospect wanted the rental, the landlord probably did not want the prospect and gave the prospect at least 3 ways to back out of the deal. I suggest you call the landlord, inform him that he cannot proceed with your application and to return or destroy your check (put a stop payment on it just in case, remember the stop payment is only valid for 90 days). In the future, don't be in such a rush to give the landlord your check and then try to find ways to back out.

Sebaiknya Anda bertanya langsung kepada BRI yang Ada di wilayah Anda.

wHAT IS THE SWIFT CODE FOR THE BANK OF sOUTH Australia in Mile-End Adelaide?

wamu is the best right now with a 3.30 With a lot of banks, the rate can differ based on the type of savings account and the minimum balance required.

When he announces a number check it and check your pokemons ID if they don't match you don't win. The only way to win is trade as much as posible with people. But the chance of winning is low. You win a Masterball if you get the right numbers

in NZ a brand new CD from a major artist was normally 31 - 32nz$

Red Roses often mean remember.

Japanese symbol of perseverance is the Carp or Koi

MT110 Drawing Advices are sent by a Financial Institution that has drawn a Cheque on its account-holding branch, and are received within a Bank. There, they are held on file and manually matched against the incoming Cheque as and when these are presented for payment, or the payment can be stopped if an MT 111 Stop Cheque Request is received.