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indydebi
Forum SuperStar!
Joined: Jul 07, 2006
Posts: 15102
Location: Indianapolis IN
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 Posted:
Fri Aug 29, 2008 5:07 pm |
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| weirkd wrote: | | And thirty minutes is NOT out of the way. |
I agree with you. But it depends on what size community you live in. I remember when I lived in my small hometown, I'd complain if I had to drive ALL THE WAY ACROSS TOWN .... a whopping 13 minutes!! .... to get to the one and only Taco Bell. Living in Indpls, you can't get anywhere in just 13 minutes, so a 30 minute drive is practically like walking next door! 
My relatives complain about driving 1 hour to get to our house, ".....it's too far for us to drive, so you guys come here instead." Right .... It's a shorter distance for me to drive to your house than it is for you to drive to my house!  |
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KoryAK
Forum SuperStar!
Joined: Apr 07, 2007
Posts: 2394
Location: Anchorage, AK
Birthday: Sep 03
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Fri Aug 29, 2008 5:17 pm |
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For those who are worried about giving our your account number I have news for you... its on the bottom of every check you write! Its not exactly considered highly guarded data. I'm sure its also on the millions of bank statements floating around in the mail each month. Why? Cause no one can do anything bad with it. They still need a signature, social security number, SOMEthing else to access the account. If your bank gives info to someone without the proper authority #1) its their problem to cover it and #2) get a new bank!
Not everyone is out to get you, guys, its ok to let the guard down a little bit  |
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jibbies
Forum Fanatic
Joined: Jun 06, 2007
Posts: 1124
Location: Macon, Georgia
Birthday: Nov 06
Gallery Supporter Member
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Fri Aug 29, 2008 5:59 pm |
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For what it's worth, the number you need to guard is your social security number. Every check you write and hand to someone has your tracking number (the first group of numbers on the left) and your account number (all the rest of the numbers). Even if someone gets your deposit slip all they can do is deposit money into your account.
While this is a different request than most are used to, I don't think she's trying to scam you. Go with your gut.
By the way, I work at a bank operations center I have access to 60,000 plus statements every month.
Jibbies |
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Ruth0209
Regular Member
Joined: Aug 09, 2007
Posts: 155
Location: Boise, Idaho
Birthday: Feb 09
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Fri Aug 29, 2008 6:17 pm |
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It's a good idea to establish up front with customers how you'll accept payment. My order form says, "Payable in cash or by check payable to..." I tell them verbally as well. If you do a lot of business, I'm sure a PayPal account is well worth it.
Personally, I'd think it was just weird if someone asked for my account number. If she came to your location specifically to pay you, why wouldn't she be prepared to do that? She may have wanted to delay paying you by telling you she would make the deposit but not done it, and then when the delivery was made, give you a song and dance about the bank messing up, etc., etc. You probably would never have seen payment. |
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sabre
Newbie
Joined: Feb 25, 2007
Posts: 13
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Fri Aug 29, 2008 7:43 pm |
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What can I say except WTF! I know several identity theft victims and they all, in retrospect, say the same thing. Give out as little personal information as possible, unless you enjoy spending HOURS on the phone and in offices of the police, FBI, FTC, SSA and credit card companies. If she'd asked for my bank account #, I'd have told her to pay me in CASH ONLY. |
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weirkd
Forum Fanatic
Joined: Jan 07, 2007
Posts: 1669
Location: Hurlock, MD
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Sat Aug 30, 2008 7:01 am |
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We do pay our bills online but the transaction is between you and the bank. The bank actually either wires the money to the payee's account or they physically mail out the check to them.
The only time you would give an account number is if you were being called by a payee and they want you to do a check over the phone. Then you would give the account number and routing number and a check number.
But we dont give account numbers to nonpayee's due to identity theft and hackers. |
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adonisthegreek1
Forum Addict
Joined: Mar 14, 2007
Posts: 690
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Sat Aug 30, 2008 7:17 am |
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I'd never give an individual my account number. I am aware that the bank's routing # and your account # are printed at the bottom of each check that you write. That's why I have stopped writing checks to individuals, PTOs, etc. We have had some major problems in my area with PTO members stealing identities and money from parents. We have had our identity stolen so everything is suspicious to me.
Paypal is a quick and easy option and anyone can send you money as long as you have a valid email address. Note that the money stays in the Paypal account and you have to request Paypal to transfer it to your bank account. Sometimes I just leave money in Paypal so I can use that to make other purchases without having them access my bank account. |
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marksmum
Frequent Member
Joined: Jul 10, 2008
Posts: 221
Location: Fife, Scotland
Birthday: Nov 18
Gallery Supporter Member
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Sat Aug 30, 2008 7:20 am |
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This is common practice over here too. |
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sugarcheryl
Frequent Member
Joined: Oct 09, 2006
Posts: 202
Location: Richmond Va
Birthday: Oct 15
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Sat Aug 30, 2008 7:31 am |
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No way. I think Pay pal is the way to go. I would never give out my account number. |
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dg10148
Junior Member
Joined: Dec 05, 2006
Posts: 94
Location: michigan
Birthday: Jul 25
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Sat Aug 30, 2008 7:44 am |
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My sister was is a car accident and had a brain injury and has short memory loss gets married
and makes her husband do all of the bills because she cant remember if she paid them he died and she had to do them her self first check she writes
was to a magazine subscription some one steals the routing number and account number off her check
and start withdrawing 500 a week out of her checking account they set up a dummy company
and start sending her invoices saying she owes them more money she thinks her dead husband my have ordered something she didn't know about so she sends them money she went to the bank to get money out to pay the rest of the funeral off and finds out they took all of her money. OK this is where stupid comes in they put a real phone number on the invoice I call them and told them what they were doing to my sister after she just lost her husband they started sending money back I know this is a scam so I contacted the police who trace the phone number and arrest the people they scammed a lot of people she was the only one that got her money back. sorry so long |
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bonjovibabe
Forum SuperStar!
Joined: Jan 27, 2006
Posts: 2379
Location: Quickstepping across the ballroom, cake in hand!
Birthday: Sep 20
Gallery Supporter Member
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Sat Aug 30, 2008 7:49 am |
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The more I read about the USA, the stranger a place it seems to me (no offense intended!). There are no such things as cheques in The Netherlands. We pay each other and bills either in cash or by giving our account details so the money can be transferred directly. So it's not strange to me at all! |
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sweetsbyJ
Junior Member
Joined: Jun 11, 2008
Posts: 55
Location: South Florida
Birthday: Sep 01
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Sat Aug 30, 2008 9:05 pm |
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I wouldnt have given it to her either...Although I have heard of people doing this before..I wouldnt..especially in Miami, there is so much fraud and scams going on here that anything is possible... 
the teller is not supposed to give an account balance without an ID..but Ive had tellers give me my balance w/ out asking for it..just tell her to mail you the check...it will only take like a day anyways |
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sweettoothmom
Frequent Member
Joined: Jun 10, 2008
Posts: 381
Location: 9 months of Frozen Tundra
Birthday: Nov 18
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Mon Sep 01, 2008 5:57 pm |
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Oh dear. i would not ever give my account number out and I think you did the best thing on this scenario.
Propay is the way to go. i have a paypal account but have not been as happy with them as propay. You can even do an e check if she doesnt have or use credit or debit cards.
Here is how we used to teach our clients at my bank to handle this situation. You clarify to them Mypayment procedures are in place in order to be certain that you my client are safe and that your bank account is safe. With your safety in mind I have setup an account with ***** fill in the blank***** with "propay or paypal" or "I use only a check or cash basis".
This ensures you and your clients are safe. If they prefer to not use these methods reccomend the deliver the check or cash.
Yes she could make a deposit directly to your account with out ID without a problem in most every bank in the USA but here is the thing she does not need to know your account to do this just the name of your bank and a contact person there. You could have one teller or a bank officer be your main contact. This contact could take the deposit and issue a reciept to the client with just the info pertinante to them. The deposit amount, time , date and no personal info, no bank account number or balance info. But be warned banks HATE this becuase that actually can cause them a lot of hassle and some banks have policies against this because it takes time out of thier day. She could wire the money to in with your account info as well but that usually incurs fees for the sender AND the reciever of the funds eating into the funds sent to you via wire. I would just ask for cash/check or setup a pro pay account. Safety is the goal here for all. |
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Marina
Junior Member
Joined: Aug 02, 2004
Posts: 55
Location: Great State of Texas
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Mon Sep 01, 2008 6:14 pm |
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Also, some banks automatically print your balance on your receipt... |
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Sugar_Plum_Fairy
Forum SuperStar!
Joined: Aug 30, 2006
Posts: 2404
Location: Somerset County, NJ
Birthday: Jun 03
Gallery Supporter Member
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| Posted:
Mon Sep 01, 2008 6:19 pm |
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| KoryAK wrote: | For those who are worried about giving our your account number I have news for you... its on the bottom of every check you write! Its not exactly considered highly guarded data. I'm sure its also on the millions of bank statements floating around in the mail each month. Why? Cause no one can do anything bad with it. They still need a signature, social security number, SOMEthing else to access the account. If your bank gives info to someone without the proper authority #1) its their problem to cover it and #2) get a new bank!
Not everyone is out to get you, guys, its ok to let the guard down a little bit |
I was going to mention this, but KoryAK, you beat me to it.
Also, I don't know about any of you, but whenever I cash a check I write my account number on the back of it and most people have access to their cashed checks so they do get to see my account number anyway.
Besides, I was always under the impression that anyone can make a deposit into your account, they just can't make withdrawals unless they know all the information and the signature (from the signature card you signed when you opened the account) matches. |
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