Weird banking question

[AlphaFrog]

Originally Posted by Drolefille

Even writing your PIN on your card (DON'T DO IT) doesn't count as giving it out to people.

WTF?? A bank would actually insure someone stupid enough to write their PIN on their card???

[Drolefille]

Originally Posted by AlphaFrog

WTF?? A bank would actually insure someone stupid enough to write their PIN on their card???

Sadly yes. As long as they report it in the time given. It doesn't fall under the narrow guidelines of "giving out" your PIN, probably because you didn't intentionally hand out your card either.

The banking regulations are really specific, and so are the internal policies. Some banks might specifically deny claims with the PIN on the back but if the card is lost, how are you going to prove it? I've had to report mine missing before to a larger bank and they did ask me if I had written the PIN on the back or kept it in the wallet or anything, but I think this was for their own information.

[GeekyPenguin]

I use checks a few times a month - donations at church, items here or there at school, and rent.

[ISUKappa]

The husband rarely uses checks, he always either takes out cash to have on hand or uses the debit as a credit card.

I tend to write more checks as I almost never have cash on hand and it's kind of a PITA to get to a bank-owned ATM (whereas husband has one in his office building). Plus after 10 debit transactions, our CU starts charging $.50 for every non-CU POS use.

[winnieb]

i write checks at daycare-- they dont take cards and i dont want to drop $200 in cash each week in the box.
i dont order checks though- i write so few, 4 a month- that i go to the bank and the girl prints out a couple of sheets for me.

[bluefish81]

The only check that I write consistantly is for rent. Other than that, I hardly ever write checks. Right now I'm waiting on my new checks because I want to switch my direct deposit and work needs a voided check to set it up.

[Munchkin03]

Yes, I know of several people who have the "E-Z Checking" (that's what Citibank calls it) account.

I write checks about 5-8 times a month, between rent, weekly PT appointments, and student loans and club charges.