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-   -   Why do stores still take checks (https://www.thehulltruth.com/dockside-chat/596425-why-do-stores-still-take-checks.html)

jeffro22 06-11-2014 07:40 AM

Why do stores still take checks
 
WTF, I dont get it. Sure back in day when you couldnt do debit cards, But if you are buying stuff at walmart or a grocery store get with it. I cant stand waiting behind someone that writes a check for groceries. Get a damn check card, dont hold up the line. And dont wait until you see the total to start the process of trying to locate you check book and find your damn drivers license.

Why do places like walmart or grocery stores even take checks ;? Seems really outdated.


for small business or paying for a service etc than its fine

CJS 06-11-2014 07:45 AM

Old school....Because I can.

phillyg 06-11-2014 07:49 AM

What's a check?

houtxfisher 06-11-2014 07:50 AM

Pfft, these idiots writing checks really grind my gears! When I get up there its a quick swipe of my food stamp card and I'm done. You'd think these suckers paying for their groceries out of pocket would at least do so without holding up the line!

Eastport205 06-11-2014 07:50 AM

Dude, your in a Walmart.

sds06 06-11-2014 07:52 AM


Originally Posted by houtxfisher (Post 6801321)
Pfft, these idiots writing checks really grind my gears! When I get up there its a quick swipe of my food stamp card and I'm done. You'd think these suckers paying for their groceries out of pocket would at least do so without holding up the line!

:rofl:

jeffnick 06-11-2014 07:57 AM

Ever wait in the checkout line with 3 or 4 other folks, staring endlessly at the gum and magazines? Finally it's the woman's turn in front of you. She waits until the checkout person says, "Your total is $XX.XX". Then the purse comes off the shoulder and is placed on the counter. The purse is unsnapped or unzipped and her fingers walk through the compartments until she finds her wallet. She fiddles with the wallet until she finds an envelope and pulls out some bills to count. The bills go back into the envelope which then goes back into the wallet. Then the wallet is turned over and the change purse is unsnapped. She rustles around in the change purse for a spell picking out coins, then opens the purse wide and sticks her hand in to dig around in the bottom. She slowly counts out the money and hands it to the cashier. Finally, the woman is presented with change and a receipt. The wallet is opened again to retrieve the envelope for the bills which are placed carefully in it, then the envelope finds it's home in the proper compartment of the purse. The change in coins waits for the coin section to be found and unsnapped and they are then deposited. The wallet is then put back in the purse. Now for the receipt, which of course must go in an envelope which must be retrieved from a different section of the purse. The purse is then purposefully zipped or snapped and finally it goes back over the shoulder.

Why are these women so seemingly surprised when they're expected to pay?

Now mind you, this is an observation, not a complaint. I'm retired and absolutely refuse to be in a hurry ... these women just tickle me.

Out-2-Sea 06-11-2014 08:09 AM

Small mom and pop stores here take cash and checks, no credit cards.

Eastport205 06-11-2014 08:11 AM

Maybe they shopped in Target with a debit card and they figure it is easier to inconvenience you than it is themselves changing over all the things attached to the old card that had to be cancelled.

Qb1rdman 06-11-2014 08:11 AM


Originally Posted by jeffro22 (Post 6801278)
WTF, I dont get it. Sure back in day when you couldnt do debit cards, But if you are buying stuff at walmart or a grocery store get with it. I cant stand waiting behind someone that writes a check for groceries. Get a damn check card, dont hold up the line. And dont wait until you see the total to start the process of trying to locate you check book and find your damn drivers license.

Why do places like walmart or grocery stores even take checks ;? Seems really outdated.


for small business or paying for a service etc than its fine

At the highest level I think the stores just want revenue and the tender type is secondary. Travelers Checks are a bit of an anachronism too but they don't cost the store much to processes relative to debit and credit cards.

ol guide 06-11-2014 08:12 AM

what about the miscreant fu*&tard silverback who dominates the line at a convenience store scratching off lottery tickets while you stand there with a century note in cash for fuel?

jeffro22 06-11-2014 08:14 AM

something tells me that a few of you that have posted are clueless check writers that are stuck in the past:grin::grin:

Liek I said, I understand smaller stores or business.

ryan darrow 06-11-2014 08:18 AM

I'm nearing 30 and have never used checks as a primary form of payment. I've probably written less than 100 in my life. So for me it's never been the standard.

It seems like it's always some older lady/gentleman who's holding up the line at Wal-Mart (or even worse, the gas station) with a check. I understand resistance to change, but I don't get it in this instance. It's clearly the same thing just way more convenient. To me, it's like going out and buying a new computer then paying extra to have a 56k dial up modem installed because that's what you started out with; and you've been used to it for so many years. So what's the deal? Do they not trust cards?

hhi angler 06-11-2014 08:18 AM

Checks are still legal paper and the computer systems the stores use convert them to an electronic payment. Not a big item in my life I don't let the little shit get me down.

Johnny Dreamer 06-11-2014 08:34 AM


Originally Posted by jeffnick (Post 6801350)
Ever wait in the checkout line with 3 or 4 other folks, staring endlessly at the gum and magazines? Finally it's the woman's turn in front of you. She waits until the checkout person says, "Your total is $XX.XX". Then the purse comes off the shoulder and is placed on the counter. The purse is unsnapped or unzipped and her fingers walk through the compartments until she finds her wallet. She fiddles with the wallet until she finds an envelope and pulls out some bills to count. The bills go back into the envelope which then goes back into the wallet. Then the wallet is turned over and the change purse is unsnapped. She rustles around in the change purse for a spell picking out coins, then opens the purse wide and sticks her hand in to dig around in the bottom. She slowly counts out the money and hands it to the cashier. Finally, the woman is presented with change and a receipt. The wallet is opened again to retrieve the envelope for the bills which are placed carefully in it, then the envelope finds it's home in the proper compartment of the purse. The change in coins waits for the coin section to be found and unsnapped and they are then deposited. The wallet is then put back in the purse. Now for the receipt, which of course must go in an envelope which must be retrieved from a different section of the purse. The purse is then purposefully zipped or snapped and finally it goes back over the shoulder.

Why are these women so seemingly surprised when they're expected to pay?

Now mind you, this is an observation, not a complaint. I'm retired and absolutely refuse to be in a hurry ... these women just tickle me.

Retired writer perchance?

I enjoyed reading your post.

bikem 06-11-2014 08:37 AM

I don't take checks at my stores unless your old or a regular. The only time a young person whips out a checkbook is if they know their card will be declined.

Blythe1022 06-11-2014 08:42 AM

Even worse than getting behind somebody paying by check is the lady that pulls out an envelope of assorted coupons. Of course they are not pre sorted. Half are no longer valid. It drives me crazy. So does when people bring more items to the checkout than they can afford. Then they start having the person at the register price check everything and deleting one item at a time.

ReelNauti 06-11-2014 08:43 AM

Because I can't remember my friggin pin # :mad:

I only use cash or CC. My wife likes her checks. If she wants to write one, so be it.

If she's in front of you, sorry she got there first :grin:

ryan darrow 06-11-2014 08:58 AM


Originally Posted by ReelNauti (Post 6801565)

My wife likes her checks.

:

Just curious, you ever ask her why?

WPBTH 06-11-2014 09:12 AM

I just assume people who were writing checks, were "floating funds" until pay day. ;?

jeffnick 06-11-2014 09:14 AM

https://lh4.googleusercontent.com/-W...40-no/line.jpg

Mark Y 06-11-2014 09:21 AM

That's what you get for shopping in Walmart. :grin:

glacierbaze 06-11-2014 09:26 AM

If the store has the right software, you don't even have to fill out a check. They just swipe the info off the bottom line, and you sign electronically. And whether the check is filled out, or not, they hand it back to you after the transaction, because the money is already debited from your account.

Dulcecita Lures 06-11-2014 09:30 AM


Originally Posted by WPBTH (Post 6801694)
I just assume people who were writing checks, were "floating funds" until pay day. ;?

Not any more they're not. I understand your point -- it used to work that way -- write a check and it would take 2-3 days to clear the bank. These days, when you write a check, it's scanned instantly and transacted to your account just like a debit card transaction. It's likely you'll see it hit your account in the time it takes you to get home from the store. Obviously, some of this depends on the store and your bank, but the vast majority these days work as I described. No more float.

The more you know.... :grin:

Just1more 06-11-2014 09:31 AM

People will bitch about anything these days.

Capt Dave 06-11-2014 09:37 AM


Originally Posted by Just1more (Post 6801755)
People will bitch about anything these days.

My thought exactly. Some people are so impatient these days they can't cut anybody some slack.

ReelNauti 06-11-2014 09:40 AM


Originally Posted by ryan darrow (Post 6801624)
Just curious, you ever ask her why?

That's the way she's done it for 30years and is just comfortable doing it that way. Who am I to argue?

I've tried to get her to do online banking and bill paying, but she works on a computer all day and doesn't want to sit behind one at home. She'll sit down with a pile of bills in the morning and write checks out. ;?

fishingfun 06-11-2014 09:41 AM

If I have someone trying to give me money I don't care which form its in if I own the place. With all the credit card fraud I bet CC cost stores more then returned checks.

Shag 06-11-2014 09:41 AM

For those who have their panties wadded because people use checks, how do you feel about cash? Is that obsolete too?

Qb1rdman 06-11-2014 09:43 AM


Originally Posted by Dulcecita Lures (Post 6801754)
Not any more they're not. I understand your point -- it used to work that way -- write a check and it would take 2-3 days to clear the bank. These days, when you write a check, it's scanned instantly and transacted to your account just like a debit card transaction. It's likely you'll see it hit your account in the time it takes you to get home from the store. Obviously, some of this depends on the store and your bank, but the vast majority these days work as I described. No more float.

The more you know.... :grin:

Last I knew ACH didn't provide funds verification and they still took nearly 3 days to clear. Is there a way to bypass ACH?

Dulcecita Lures 06-11-2014 09:52 AM

I don't know the exact details, but yes. The scanned image of the check is treated as a debit. If you look at your account online when you get home, you'll see it posted as "pending" just like a debit. All transactions for your account are processed that night, credits first, debits second. The only way you get any float is if you write a check on Saturday -- it won't process until Monday night (banking hours).

Again, I'm talking most major retailers and major banks here. Small mom and pops or credit unions and such, still need check to be deposited in the bank and cleared via ACH (for the most part).

Bottom line is everybody wants there money NOW. :rofl:

gofastsandman 06-11-2014 10:05 AM


Originally Posted by WPBTH (Post 6801694)
I just assume people who were writing checks, were "floating funds" until pay day. ;?

Hence the nickname fucht.bomb

Milehog 06-11-2014 10:07 AM

This sounds like fun!
Seems to me the best time to write one is at the convenience store just before the cut off time for buying booze. You know, when there are three or more guys loaded up with beer & frozen pizza waiting in line.
I'm gonna ask the wife if we have any checks...

snapperkid 06-11-2014 10:38 AM

Cash and credit cards. Checks for bills. I also stay out of Walmart...

toby10 06-11-2014 10:48 AM


Originally Posted by Blythe1022 (Post 6801561)
Even worse than getting behind somebody paying by check is the lady that pulls out an envelope of assorted coupons. Of course they are not pre sorted. Half are no longer valid. It drives me crazy. So does when people bring more items to the checkout than they can afford. Then they start having the person at the register price check everything and deleting one item at a time.

Heck, I could live with that! As long as it's ONE transaction....I hate people who do the coupon thing for the food stamp card, then their WIC card AND THEN their cash items. But wait, "you have to price match this item.......your competitor has it for XXX"


And it always seems I've picked the slowest cashier on duty-no matter what store I'm in.....

JCM 1420 06-11-2014 10:53 AM


Originally Posted by snapperkid (Post 6802011)
Cash and credit cards. Checks for bills. I also stay out of Walmart...

:thumbsup: I write 3 checks a month. The rest of the time it's AMEX. Only use my debit card for cash at the ATM.

If I'm behind someone who wants to take their precious time writing a check, so be it... Life is too short to get worked up about that.

I have however been known to give some self check out "assistance" at Kroger - lady using self check out with a buggy FULL of groceries, she also happened to be too busy yapping on her phone to scan and bag more than about 2 items a minute. I handed the shopping basket to my gf (who was looking for a rock to crawl under as she knew what was coming) and went up to the lady, smiled, and said "you've got your hands full let me help you with this"... She didn't know what to do at first but then continued yapping about getting her hur did until I was finished scanning and bagging her groceries. Paid and left.

KJS 06-11-2014 10:59 AM


Originally Posted by WPBTH (Post 6801694)
I just assume people who were writing checks, were "floating funds" until pay day. ;?

X2. I thought the same.

porksoda 06-11-2014 11:09 AM


Originally Posted by jeffnick (Post 6801698)

It's called the self checkout lane. I love them.

davedowneast 06-11-2014 11:27 AM


Originally Posted by porksoda (Post 6802155)
It's called the self checkout lane. I love them.

Exactly! I probably use a teller 1 out of 10 times and I swipe a card or pay cash and I'm gone.

So how long does it really take for an old lady to write a check? Less than a minute? 2 minutes? Where I live, it's all mom and pop except a Dollar General. Pretty much anytime I go into DG, there's one teller and I'm 6th in line. I met people, tell stories, talk with total strangers, etc. Even in the most frustratingly slow line, I doubt it takes 10 minutes total.

I think someone needs to take a chill pill. ;cool;

Ifishalot 06-11-2014 11:36 AM

I agree with the process fee explanation, more profit for the store.

FYI: I am 44 years old and have never in my life written a check. True story.


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