OT: Big Brother IS Watching.

^^^^^^^^^^^^ AssHole

That's federal law. Under $10K, the bank is still on the hook if they "should have known" there was something untoward going on. As bank do, they often err on their side.

I have no idea why you feel the need to be insulting. Nothing that you said changes anything about the problem I had. It would not matter what documentation I had about setting up a funds transfer. The only thing that would do me any good is to have a copy of the check to provide to the city. The only way to get that in this instance was to have the bank mail it to me which would not work.

In the end it was not a problem because there was enough time for the city to figure out on their own that the water bill had been paid. But had I needed the copy of the check that day there was no way to get it short of going to the bank office which was 100 miles away at that moment... but then so was the city office.

My point was that there are still instances (by design) when online banking fails and you have to resort to the old methods of the days of paper.

My banks don't include a balance on the receipt unless you ask for it and that is hand written after looking it up on the computer. I expect they don't do that unless you are the account holder.

I'm just saying you blew documenting everything yourself. When you did the transaction there certainly was a confirmation screen? If you'd have printed that you'd have a transaction code and a date. ...Jim Thompson

The confirmation screen is like having a receipt that shows you mailed something, it means nothing to the city to show the check was received and more importantly *cashed*. Do you not understand this? There was no problem with the bank believing I sent the check which is the only party the "confirmation" is of any use with. This was a paper transaction, not an electronic transfer... a paper check was sent.

If the transaction was actually processed by the bank, the statement would show a transaction code/number. If the transaction didn't show up, the bank bungled the transaction, and should bear any expense... IF you saved the transaction confirmation number.

Maybe you should change banks ?? ...Jim Thompson

So, you're a stripper then?

Kevin Aylward

You still aren't grasping the concept. This has *nothing* to do with the bank "bungling" the transaction. A paper check was sent and the check was cashed. It was *not* an electronic transaction. I just wanted a copy of the check to show to the CITY to prove that payment was made. What was "bungled" was that their arrangement with the online payment service allowed them to pay with their own check rather than one from my account and somehow that does not result in a check image available on the web site. Instead getting a copy of the check becomes a PITA if you are not at your home or not able to go into the bank.

Whatever. I've explained this several times now. If you can't grasp what happened, I'm not going to go over it any more.

I think it is you who is slow... I can do any transaction with my bank, including getting copies of checks/transaction records, via the web.

I can even deposit checks via a smart-phone.

The only thing I can't do is deposit cash... must use a branch or an ATM... and I _am_ reluctant to use an ATM for a _cash_ deposit... so I go inside.

Personally, I think you're just an ignorant jerk... evidenced by not only this thread, but many others as well >:-} ...Jim Thompson

Actually, I have found any ATM card works. Yes, I was bored & experimenting.

Last time I ran across one of those, any card with a mag stripe on it worked.

It has been over 10 years, but it is the CTR that is required to be filled out if the transaction is CASH and over $10,000. Normally nobody in the bank will tell you about that,they will ask about the particulars they need for the form along with other blah blah for cover. Now,if you came in a number of times, with (say) $2,000 cash each time, it may look that eventually the total be $10,000 or more. Then the STR would be required early in the deposit game. And again, they would not tell you. A fair percentage of the tellers in banks do not even know of these REQUIREMENTS (CTR and/or STR), and those that know, maybe one at most would admit to the requirements if pushed against the wall verbally.

I leave it to the student to discover what CTR and STR stand for..

Tell you what. Instead of throwing that money away, toss it my way and i will guarantee a return on your investment. If i split the gains 50-50, i could guarantee 2% or more with no sweat.

Hell, Walmart transfers an image,gets paid and gives the paper check back - all in a minute or less. In your case, maybe the clearing house has an image. Don't hold your breath.

It *is* a bit awkward to electronically send those gold coins; "we" are still working on that Star Trek transporter technology. Just continue to feed us more tons of gold as support..

• Have a business account or about 10 years, and never had problems in getting balance or cash.

It is always a pleasure to find a live mind, ready to mix a touch of fun with mundane transactions.

?-)

You are not correct. Some bills are paid electronically, others are paid by mailing a paper check. In this case there was a paper check in this case although it may not have been returned to the bank. The issue is that the check wasn't sent by the bank, it was sent by the bill pay service they contract the bill pay service out to who chose to pay from their account rather than issue a check from my bank. So the however the check was returned, paper or electronic, it didn't go to my bank. An image of the check is available. The problem is that because of the handling the check image was not available on the bank's web site (for whatever reason).