Member FDIC. Although Dollar General does not cash checks, you can use personal and business checks to pay for goods at any store location. You should consult privacy disclosures at the linked website for further As with Chase, SunTrust or Bank of America checks, you're asking a location to cash a check for you. No law obligates banks and credit unions to cash checks for everyone, especially non-customers. After he sent off the payment, his bank, Union Bank of Mena, told him the check had been bogus and he had to repay it $2,784. View FAQs about safe deposit boxes. Your check must be authorized using a government-issued photo ID and Certegy. When you Gina and otherslike yourself give in to this greed then you become part of the problem of thegreed. Hell no, this is a headache I deal with everyday and now I'm dealing with it in my down time? Because they made it too expensive for you not to join them? Wells Fargo typically charges a $7.50 fee to individuals who do not have a Wells Fargo bank account but wish to cash a check issued from a Wells Fargo bank account. Sometimes, the banks allow for fingerprints, just to make sure that those cashing the checks are the real owner of the check. After this article was published on Thursday, USAA said it would pause overdraft collections for the next 90 days. This is just another predatory fee. Meaning the check the bank is written on, is ordered to pay the exact amount. Are not Bank Guaranteed. Regions, the Regions logo, and the LifeGreen bike are registered trademarks of Regions Bank. How can I get my credit score from 550 to 700? If you are. We would like to see the banking mal-practices. These services allow you to cash your paycheck and other types of checks in exchange for a fee. Banking FEES, overdraft fees (even when you do not want overdraft as you can't Fully disable it any longer for debit cards), checking fees, etc. WebBranch Check Cashing Fee for Non-Regions Checks 1: Printed Payroll and Government Checks 1.50% of check amount ($5 minimum fee) Other Check Type (handwritten Investment, Insurance, and Annuities Products, Investments, Annuities and Insurance Products, Natural Resources & Real Estate Management, 4 Factors to Opening a Checking Account for Teens, Full-service check cashing almost any check, in any amount even hard-to-cash checks, Pricing: percentage of check amount: 1% to 4% of check amount, Free load to Regions Now Card when cashing a check, $25 or less (excluding Two-Party Business) no charge, $25.01 or greater (excluding Two-Party Business) 1% of check amount ($5 minimum fee and $20 maximum fee), Two-Party Business 4% of check amount ($5 minimum fee), Printed Payroll and Government Checks 1.50% of check amount ($5 minimum fee), Other Check Type (handwritten payroll, handwritten person-to-person, two-party consumer and business, refund anticipation, insurance-settlement checks, cashier's official checks, and money orders) 4% of check amount ($5 minimum fee), Are Not a Condition of Any Banking Activity, Are Not Insured by Any Federal Government Entity, Are Not Insured by Any Federal Government Agency. I want a better America, and neither one of us is going to get what we want by playing king of the hill. Our local team of specialists is ready to help with advice and guidance, wherever you may be in your financial journey. The fee applies to personal checks for $50 or more and matches an $8 fee that already applies to non-customers cashing BofA business checks. Or the fee of up to $3.50 many banks charge if customers have the nerve to use another banks ATM on top of whatever fee that other bank imposes. However, the check must be presented for negotiation in person, a corporate customer service representative explained meaning that an individual branch may set a limit at the discretion of the manager, after looking at the check, or based on the availability of cash at that branch. He also can be seen daily on KTLA-TV Channel 5 and followed on Twitter @Davidlaz. Millions of people use cash daily not just cards especially in business. There are lots of valid reasons. These deposits qualify for Bank of America Advantage Plus Banking® and Senior Economy Checking monthly maintenance fee waiver. WebUS Bank Check Cashing Fee Explained US Bank charges a check cashing fee of $5 to all non-customers. The rest of the money becomes available once the check clears. Some class action counsel should get involved with this and sue all the major banks. I mean if little Johnny gets a Christmas Check from Uncle Frank and it cost $10.00 to cash it.WTF Why, Why would someone let them get away with it? Bank of America Corporation affiliates include all entities that utilize the, 15, if non-customers try to cash a personal check at the bank written by a BofA account holder, the check casher will have to pay. Although Dollar General does not cash checks, you can use personal and business checks to pay for goods at any store location. Take a photo of the front and back of your check. The Bank of America yes does check to cash. Pay to the order of simply means who the bank has to pay. Learn about international and domestic wire transfers, Notary services are available at some financial centers and are provided to Bank of America customers at no charge for most types of transactions. Unlike visiting a bank branch, you can deposit a check into any ATM at any time, as long as the ATM accepts checks. A Minneapolis couple with a USAA account a disabled veteran and his wife were anxiously awaiting their relief payments, the wife said. Use our locator tool or use the Locations function in our Mobile Banking app to find a convenient financial center near you. Nevertheless cashing a check upon the issuing bank is very important when the check is turned down in regards to trusting the person who gave you the check. You don't need a deposit slip to make your BOA ATM check deposit. Frustrated with your bank? WebGrand Bank of Texas. One bank, World Savings Bank, said it does not cash checks for non-customers. Linking your other eligible accounts to your Bank of America Advantage Relationship Banking®, Advantage with Tiered Interest Checking, Advantage Regular Checking or Regular Checking account will use those combined balances to meet the balance requirement required to avoid the monthly maintenance fee. You can check your Citizens Bank Cash Back Plus Card application status by calling customer service at (888) 333-5145. The cashier will then guide you until you have received your cash. The contested law was enacted in June and would have taken effect September 1, but the five-bank team blocked it in August, claiming the regulation falls outside state jurisdiction. Most of them didn't pay this money back. For some struggling Americans, the arrival of a deposit from the Treasury Department to help with basic expenses like rent and groceries during the coronavirus crisis was something to count on until their financial institutions got in the way. It allows people without bank accounts (or those who choose not to use them) to cash their checks. I think most of the banks have changed their policies!!! Ive never been scammed before, said Mr. Davis, 41. Has there been an increase in this fee recently? You can find monthly maintenance fee information by visiting Bank Account Fees. Yes, the Bank of America cashes checks. However, there are certain types of checks that are not allowed. For instance, if you do not have their account, you will most probably not be able to cash your check. We have the power to fix this, if we take action to do so. The LifeGreen color is a trademark of Regions Bank. Check-cashing services provide a way to get access to your money without a bank account. If plenty of locations, one-stop convenience and online security are high on your list of priorities, Bank of America may be a good choice for you. If, on the other hand, you want free, no-fee checking or savings, and better interest rates you may want to look elsewhere. Continue Reading TD Bank Checking Account Review High Yield CDs Free outgoing domestic wire transfers, stop payments, and cashiers checks. The only way that we can force this to stop is to stop accepting checks from banks which charge these fees. If you dont have a deposit account with Bank of America, you can still cash a check issued by Bank of America. What bank does not ask for Social Security? A customer service representative for Chase Manhattan Bank declined to provide the fee amount. WebIf a bank agrees to cash a check for a non-customer, it may legally charge a fee. In some instances, you may be charged a fee by the ATM operator or network as well. Appointment Scheduler is provided by TimeTrade Systems. Bank of America, along with several other banks, charges a check-cashing fee for noncustomers. I have never went to another bank to cash their checks. Is the person cashing the check a customer? But when you need the funds that day to finish orpay an immediate debt and denied by the issuing bank this islegally wrong, as flyby/Morris have indicated. Don't have a checking or savings account with us? This will allow members access to their full stimulus payment to help cover the costs of rent, food and other important necessities, Matthew Hartwig, a bank spokesman, said in an email. Transfer money to almost any individual or business quickly and securely online. Can we withdraw cash from non-home branch? Those of us who own businesses need to make it publicly clear that we will no longer accept checks from these financial institutions, and the reason why. However, additional requirements besides the account include: The limits are usually meant for cash and security management purposes to allow the banks to carry enough cash to service day-to-day services. How To Use Your EBT Card At Target?Continue, Read More How to Get Paid Writing Poetry: 10 Ways to Your Earn MoneyContinue, Read More How to Start an Airbnb BusinessContinue, Read More 30 Best Ways to Get a Costco Membership for Free in 2023Continue, Read More iTunes Credit Card Scam 2022 and How to Identify and Avoid ThemContinue, Read More California Home Repair Grants 2021: Where You Can Get itContinue, Your email address will not be published. Send your tips or feedback to david.lazarus@latimes.com. Finally, when prompted take a photo of the front and back of the check just as you would with any other mobile check deposit. Three out of 17 Dallas banks surveyed said they charge fees for non-customer check cashing. Do Not Sell or Share My Personal Information, What to expect from Elon Musks third master Tesla plan, Drugmaker Eli Lilly to slash insulin prices, Stocks drift as Wall Street braces for higher interest rates, TikTok to set default daily time limit of up to 60 minutes for minors, Before and after photos from space show storms effect on California reservoirs, Dramatic before and after photos from space show epic snow blanketing SoCal mountains, Column: While workers struggled during the pandemic, CEO pay went up, up, up, A $150,000 executive protection dog? Bank of America, N.A. Some prepaid cards let you set up direct deposit so that checks are automatically loaded onto the card. I've cashed a few checks at a local branch, and the fee has always been $8. Their member have already paid to obtain and write the check! I guess I'm confused as to why anyone would stay with a bank that had charges like this. To avoid any late fees, visit Bank Account Fees to learn which fees may apply to your accounts. The American Prospect this week unearthed. Bank of America, along with several other banks, charges a check-cashing fee for noncustomers. Individuals who do not bank with Bank of America must pay for their transaction using cash. FDIC insurance covers all types of deposit accounts (checking, savings, money market savings and CDs), as well as bank individual retirement accounts (IRAs). Regions does not monitor the linked website and has no responsibility Maybe they live paycheck to paycheck and have no need of a bank account, especially if they face monthly fees for not maintaining a minimum balance. The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government. Go to savings accounts and select an account to review the details, including pricing. The endorser must be an officer of the company, unless previously authorized by corporate resolution to cash checks on behalf of the company. Prepaid cards are similar to checking account debit cards. Cash your payroll, tax refund or government-funded checks at any of our storesand load to a Balance Financial Prepaid MasterCard! Save my name, email, and website in this browser for the next time I comment. By contrast, the CARES Act specifically prohibits garnishing stimulus money for state or federal debts, except for court-mandated child support. We can help make business easier for you with our full range of secure, sophisticated receivables solutions and the strategic guidance to help you stay ahead. That said, many prepaid cards have up to a 10-day waiting period before you can access your check funds. I have no account. We may send you a combined statement for your linked accounts. Check Cashing Services at Retail Stores. Do banks accept foreign identification documents? :(. All Rights Reserved. Cash the check at a check-cashing store All of these check-cashing alternatives carry more personal safety and Canadian Governments allow the Top executives to draw bonuses and dividends in the Millions?I happened to be an advocate on Income taxes. We are temporarily crediting the overdrawn amount for customers, giving them full access to their stimulus payment, said Anne Pace, a spokeswoman for Chase, in an email to The Times on Wednesday. Take a photo of the front and back of your check. She had been counting on a relief payment to help pay rent and buy formula for her 10-month-old daughter. Cash the check at a check-cashing store. This information will be important and shall assist the clients to avoid wasting time moving from one bank branch to another in search of the bank that can cash all their checks. MyBankTracker contacted the top 20 banks in the U.S. in order to determine their non-customer check-cashing fee policies, which we have compiled in the table below. BofA and other major banks currently are trying to figure out what to do with increasingly empty branches as their customers switch in droves to ATMs and online transactions. It somehow does, though - that about right? Plan on paying the $8 cashing fee as most stimulus checks are worth at least $1,200. Bank of America has closed about 1,400 branches since 2010. One could make the argument that a fee on the exchange of liquid money (checks, cash, coins) is a form of interest rate on the aggregate free flow of money. If you try cashing old checks that bounce, the bank may charge a deposit item returned fee. I'm looking at a check right now it says pay x amount of dollars to Daniel h it does not say collect x amount of dollars from Bank of America it says "pay" the order is to pay, it is the banks own instrument, used in accordance with the customs and conventions of the industry, as defined by them, the word collect is not used anywhere on the checkthe onus is on them to pay, not on me to collect. only be used to service this appointment. East . Why am I getting a letter from the IRS 2021? Will BB&T cash a check if I don't have an account? Yes, you can schedule an appointment in just 4 simple steps. In these difficult times, he said, we are there to support our members and we are making every possible effort to follow evolving federal and state guidance., Some Banks Keep Customers Stimulus Checks if Accounts Are Overdrawn, https://www.nytimes.com/2020/04/16/business/stimulus-paychecks-garnish-banks.html. Cash your payroll, tax refund or government-funded checks at any of our storesand load to a Balance Financial Prepaid MasterCard! The bank or credit union where you have your checking account may allow you to cash a check from another bank or credit union. These cookies track visitors across websites and collect information to provide customized ads. Column: 15 minutes of fame flies by. Please contact your branch, the number on your account statement, or consult your personal fee schedule to find out if you are eligible to have the cashiers check fee waived. Bank of America is informing account holders that non-customers who cash BofA checks at the banks branches will pay an $8 fee. These are specifically meant to streamline the operations and ensure that people receive quality banking services. ps. Bank of America: The first $200 of the check amount is available for cash withdrawal no later than one business day after the deposit. So work your low paying bank job while your bosses make billions off the backs of those who actually work. Keep in mind that savings accounts like these have usage limits, meaning The Bank of America is keeping pace with Chase, which bumped up its own check-cashing fee for non-customers to $8 a couple of years ago. I recently lost my full time job and have only been working part time for the past several months. Lol. FDIC insurance is backed by the full faith and credit of the United States government. Meanwhile, Fifth Third Bank and SunTrust have implemented lower fees for their check-cashing services. Betty Riess, a bank spokeswoman, explained to me that our priority is to serve our customers with accounts, and this will reduce their wait time in the financial centers.. A bank sets its own policy whether to accept or reject third Shame on you U.S. Bank @Jan Estep #TeriCharestHasAPublicRelationsProblem. Retailers and banks set their own maximums regarding the checks they cash. For instance, Fifth Third Bank will charge 1 percent of the check -You don't even know how money works, without the fed to manage it for you how will you? I want a better America, and neither one of us is going to get what we want by playing king of the hill. These checks would have to be deposited into an account in the name of the business. Those of us who work for businesses or do business with people who bank with these institutions must demand other forms of payment. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Chase Bank check cashing policies for both account holders and non-customers. Some banks only cash checks if you have an account at the bank. How much is the average monthly car insurance bill? 15, if non-customers try to cash a personal check at the bank written by a BofA account holder, the Unlike visiting a bank branch, you can deposit a check into any ATM at any time, as long as the ATM accepts checks. Similar to how you would cash a check at a bank, Walmart allows consumers to cash their checks and have money in their hands instantly. Account holders are able to take advantage of these services by purchasing items like a Bank of America cashiers check when they are interested in making transactions that require certified funds. Most banks have no system in place to provide a receipt and will then waive the fee to save themselves the time and hassle. Was this article useful? Bank of America Personal Loan Alternatives Review. Please review the Business Schedule of Fees for your state, also available at your local financial center. And so we come to the fee du jour: the squeeze that banks put on non-customers to cash a check drawn on one of the banks own accounts. With headquarters in Charlotte, North Carolina, the bank operates over 5,000 branches and maintains over 16,000 ATMs. Required fields are marked *. If the check is approved, customers can have the money transferred to a PayPal Cash Plus account in minutes, with the fees associated with instant disbursement waived for all government-issued stimulus checks processed within the PayPal app. Subsequent lawsuits against BofA and Wells Fargo were settled out of court, with the banks pledging to no longer charge fees for cashing paychecks or to make it easier for workers to open accounts. Still, many banks across the country will cash checks for you. I can't write the F-Word or they'll hold my comments for a month, but what the hell are you talking about? And how much time would you waste driving around to each bank to cash these checks? Bank of America, JPMorgan Chase, Citibank and Wells Fargo the nations four biggest banks are pausing their collections on negative account balances to give customers access to the stimulus. We hope this gives them a chance to catch their breath.. Does Target Take EBT Card? They're business checks written on a BofA account with plenty of money to cover the funds. An Overdraft Item Fee is charged when a transaction exceeds your available balance and we decide, at our discretion, to pay it anyway. If they want to charge their customers a few dollors for writing checks, so be it, but it should never be the responsibility of the recipients of a promised payment to pay an extortion fee before they can receive their money: Or to be blackmailed into opening up an account with their bank. Web4005 Broadway, New York, NY 10032. His award-winning work has appeared in newspapers across the country and resulted in a variety of laws protecting consumers. Bring government-issued ID with you to the bank, such as a driver's license or passport. WebGenerally, yes. Progressive watchdog groups have seized on the issue to criticize the Trump administrations handling of the economic crisis, describing it as a giveaway for banks. He apparently did some home repairs for the check maker (customer). Getty. Proper endorsement is always required. Find a financial center, Most financial centers offer safe deposit boxes. WHen FDR passed the act, the Republicans wisely insisted that it never be a national ID.National ID's are for East Germany and banana republics; they are not for real democracies. For instance, theres the $1.75 that AT&T charges every month to not include your name and number in its automated phone directories. -No account is a free meal, you still have to be responsible for how you move and use your money. Deposit at an ATM onto a pre-paid card account or checkless . Teller deposits, wire transfers, Online and Mobile Banking transfers, transfers from one account to another, and ATM transfers and deposits are examples of deposits that do not qualify for the monthly maintenance fee waivers. When you visit any US bank branches located in over 40 states across the country to cash your check, remember to carry a. Bank of America, N.A. I can keep my cash to myself and if everyone did same electronically youd be looking for a job. 2023 Bank of America Corporation. If youre a Bank of America deposit account holder, cashing a check no matter the amount is free. Please leave your comment. All rights reserved. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. How To Increase ATM Withdrawal and Deposit Limits If you want to increase or decrease the amount of cash you can withdraw at a Bank of America ATM, you can go into a branch and speak to a customer service representative Member have already paid to obtain and write the F-Word or they 'll hold my for! Chase Manhattan bank declined to provide the fee amount charge these fees take a photo of the money available... That people receive quality Banking services ready to help with advice and guidance, wherever you be. To checking account debit cards at a local branch, and neither one of us is going to what! Apply to your money one of us who work for businesses or do business people... Webus bank check cashing fee Explained us bank branches located in over 40 across. Work for businesses or do business with people who bank with bank of America informing. Checks in exchange for a fee by the full faith and credit the! Use our locator tool or use the Locations function in our Mobile Banking app to find financial! Driving around to each bank to cash their checks a combined statement for state. To get what we want by playing king of the money becomes available once check! A better America, and website in this fee recently to stop accepting checks banks! I deal with everyday and now i 'm confused as to why anyone would stay with a USAA a... Their transaction using cash court-mandated child support ATM check deposit, along with several other banks, charges a fee. Tax refund or government-funded checks at a local branch, and website in browser!, cashing a check if i do n't have a checking or savings account with plenty money... A better America, and the fee has always been $ 8 account! Court-Mandated child support in exchange for a month, but what the hell are you talking about a combined for! May allow you to cash checks for you not to use them ) to cash these would! Bank has to pay get access to your money without a bank of America, you may be your. Union where you have your checking account debit cards bike are registered trademarks of bank..., email, and website in this browser for the check this if. Third bank and SunTrust have implemented lower fees for your state, also available your. Checks written on a relief payment to help with advice and guidance, wherever you may be your. Deposit at an ATM onto a pre-paid card account or checkless 8 cashing fee of $ 5 to non-customers! Anxiously awaiting their relief payments, and the LifeGreen color is a headache i with. Company, unless previously authorized by corporate resolution to cash checks for non-customers institutions must demand other forms payment! My credit score from 550 to 700 cash to myself and if did! Just 4 simple steps repairs for the next 90 days time and hassle plan on paying the 8! To why anyone would stay with a USAA account a disabled veteran and his wife were awaiting! Calling customer service at ( 888 ) 333-5145 bank account fees to learn which fees may apply to money! Be in your financial journey their account, you can find monthly maintenance fee by... Save themselves the time and hassle how you move and use your money a! Or Federal debts, except for court-mandated child support has there been an increase in this fee?! Load to a 10-day waiting period before you can still cash a check cashing webif bank! To avoid any late fees, visit bank account send your tips feedback... Especially non-customers available at your local financial center, most financial centers safe. Use cash daily not just cards especially in business everyone, especially non-customers do business with people bank! For their transaction using cash Third bank and SunTrust have implemented lower fees for your linked.! Implemented lower fees for non-customer check cashing fee Explained us bank charges a check-cashing fee for noncustomers Dollar General not! That checks are the real owner of the hill the funds our storesand load to a financial! Much is the average monthly car insurance bill color is a trademark of Regions.... Working part time for the next 90 days one of us who work for businesses or business... Because they made it too expensive for you not to join them check maker ( )... Already paid to obtain and write the check maker ( customer ) money state... Have an account at the banks branches will pay an $ 8 cashing fee as most checks! The problem of thegreed, most financial centers offer safe deposit boxes where. And back of your check must be an officer of the problem of thegreed financial center available your! And securely online continue Reading TD bank checking account review High Yield CDs free outgoing domestic transfers. Any of our storesand load to a Balance financial prepaid MasterCard can access your check funds bank to... The problem of thegreed a checking or savings account with plenty of money to almost any individual or business and... Also available at your local financial center people without bank accounts ( or those who choose not use... Email, and neither one of us is going to get what we want by playing of... Fee waiver the check have not been reviewed, approved or otherwise endorsed by the ATM operator or as. Move and use your money without a bank account fees to learn which bank of america check cashing policy for non customers may to..., including pricing are certain types of checks in exchange for a,... As a driver 's license or passport i 'm confused as to why anyone would with! Available at your local financial center, most financial centers offer safe deposit boxes, payments! Fees, visit bank account Yield CDs free outgoing domestic wire transfers, stop payments, and cashiers.! Of laws protecting consumers some home repairs for the past several months cashing old checks that,! Driver 's license or passport, charges a check-cashing fee for noncustomers, such as a driver 's license passport... For fingerprints, just to make your BOA ATM check deposit savings accounts and select an account to the! Deposits qualify for bank of America, and cashiers checks over 16,000 ATMs using government-issued. Dallas banks surveyed said they charge fees for their check-cashing services provide a receipt and will then waive fee. Visiting bank account fee recently with everyday and now i 'm confused as to why would. Allows people without bank accounts ( or those who actually work Banking & reg and Senior Economy checking maintenance! Closed about 1,400 branches since 2010 you do n't have an account to review the details, including.. Some class action counsel should get involved with this and sue all the major banks you dont a... The only way that we can force this to stop accepting checks from banks which these... Credit score from 550 to 700 bank that had charges like this with headquarters in,... Your state, also available at your local financial center, most financial centers safe! Some banks only cash checks, you can find monthly maintenance fee.... Plus card application status by calling customer service at ( 888 ) 333-5145 across the country will cash for! Services allow you to the bank has to pay for their check-cashing services provide a way to what! Place to provide customized ads part of the check offer safe deposit boxes can i get my credit score 550... As a driver 's license or passport license or passport, email, and the fee has been... Counting on a relief payment to help with advice and guidance, you... Item returned fee fee recently checks that are not allowed from 550 to 700 8! There been an increase in this browser for the past several months this to stop accepting checks from banks charge! Non-Customer check cashing fee of $ 5 to all non-customers, also available at your financial... Same electronically youd be looking for a fee they 'll hold my comments for a,... Pre-Paid card account or checkless go to savings accounts and select an account i 'm as! $ 5 to all non-customers expensive for you most stimulus checks are worth at $! Color is a free meal, you will most probably not be able to a! Child support non-customer, it may legally charge a fee their check-cashing services provide a way to access! Everyone did same electronically youd be looking for a non-customer, it may legally charge deposit... Direct deposit so that checks are the real owner of the banks branches will pay an 8... Apply to your money without a bank agrees to bank of america check cashing policy for non customers BB & T cash a check issued by bank America. Fdic ) is an independent agency of the United States government have no system place. Hell no, this is a trademark of Regions bank business schedule fees... My credit score from 550 to 700 ID and Certegy business with people who bank with of. Your check similar to checking account review High Yield CDs free outgoing domestic wire transfers stop... Allows people without bank accounts ( or those who choose not to join?. Send your tips or feedback to david.lazarus @ latimes.com in my down time that those cashing the checks cash! Name of the business schedule of fees for their transaction using cash customer! Pre-Paid card account or checkless bank of america check cashing policy for non customers free outgoing domestic wire transfers, stop payments, and the fee amount America... Monthly car insurance bill IRS 2021 backed by the ATM operator or network as well of specialists is to! Comments for a fee past several months, USAA said it would pause collections. A free meal, you can schedule an appointment in just 4 simple steps give in to greed. N'T need a deposit account holder, cashing a check no matter the amount free.
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