Accepting a check

[farmerjohn]

Guess I'm still fighting windmills too, for the first 10 years they sent me self adressed postage paid envelopes wanting me to join aarp, I would stuff all the NRA stuff that THEY send me wanting me to join (I've been a life member since George senior first ran) into the postage paid aarp envelope and send it back to them. Took them about 10 years before they finally gave up on me... As for Cabela's i ran my farm off a Cabela's credit card for many years, got lots of good stuff free, but no more! Soon as I get enough points to get another 500 rds of lapula 6br brass I'm through with them...
Like I said, still fighting windmills!
Farmer

 

[carlsbad]

I respect people's stand against companies that are anti-2a, anti-American, etc. I myself participate in a lot of boycotting. You won't see me at Starbucks or Dicks.

But it is a slippery slope. You'll find you can't function on a daily basis if you boycott every liberal company. If you are on this forum, you are using technology and the company that made your computer, your phone, your software, provided your internet access, and a myriad of other technology support functions are all extremely liberal. Many of their leaders are not. But even they know the millenials they hire on the campuses from liberal universities etc leads to a liberal mentality in the company.

I'm not going to be a Luddite and trash my computer.

As for paypal, as an ebay seller I have done millions of $ of paypal business. Every time I had a dispute, paypal sided with me including one $10K dispute which paypal paid out of their pocket. I have never had trouble doing firearms related business through paypal. Just keep it low key. They are an extremely convenient company and I will continue to use them extensively.

You make your own choice.

Jerry

 

[rkittine]

I also like PayPal and use it for my eBay sales and other things. It is especially good when I need to get someone a payment quickly and am not where I can write and mail a check. As far as Dicks, it is one of the few places in my area where I can still get Shotgun Ammo on sale and use coupons as the big guys will not ship to us in New York State anymore. (The ban is suspended, but most retailers will not deal with it), so I just boycott Dicks by not buying the things there that I can buy elsewhere. Don't want to bite my nose to spite my face as the saying goes. On sale and with a coupon I can get flats (250 rounds) of Remington Gun Clubs / RIOs and Federal Target for $40.00. The closest Cabelas to me is in Central PA and the closest one in New York State is way upstate.

Bob

 

[carlsbad]

rkittine, good logical approach. I too would buy something on extreme sale at dicks. they aren't making money on that item anyway.

 

[Bc'z]

Unfortunately in today's modern world, it's tough to completely stand on principal.

Are you trying to say that the NRA and AS are being completely honorable in accepting PayPal?? Or do you want people to believe that just because the NRA and AS accepts PayPal, that makes it OK for all gun owners to accept PayPal's hypocrisy?

You and I will never agree with this, and that is OK. Let's just agree to disagree.
All the popcorn is finished..I am out of this conversation.

Try this perspective
Instead of thinking about thier anti gun views.
Everytime you make a shooting related purchase using PayPal, think about how you just got one over on them.
Sometimes it helps to rationalize.

 

[farmerjohn]

Carlsbad is right about the slippery slope. I have a friend who is a good research guy and a computer geeks that I enlisted to help me find a gun friendly credit card company when I decided to leave the Cabela's deal. Pay all my balance every month and can go anywhere and guess what, we haven't found one! Just got a Slate and guess that's what I'll be using, don't know if it's any better or not but at least it's not Bass pro...

 

[argrendel]

My wife works at a bank. Even though your account shows a check deposit, it can take up to 5 days to really clear. Again, banks making your money work for them. Most banks offer mobile deposits now. Sit at home, take a photo of the check, and it gets deposited to your account. Almost too easy.
I am a fan of P.P. Between having an extra layer of security, and making a purchase in 10 seconds, it’s a no brained.
If they are anti gun, well, maybe they will educate themselves and leave the darkside.

 

[joshb]

Try this perspective
Instead of thinking about thier anti gun views.
Everytime you make a shooting related purchase using PayPal, think about how you just got one over on them.
Sometimes it helps to rationalize.

^^^^THIS^^^^^ PayPal makes it almost too easy. I can get a seller his payment at light speed and save myself a trip to the Post Office for a Money order or a week of waiting for my check to arrive and clear. Back in the 70’s, the anti establishmentarian loved to stick it to the “man”. These days, I think of the liberals as “the man” and I love to stick it to them!

 

[cinch29433]

There is a certain satisfaction in using an anti-gun outfit to buy gun stuff... I wish more folks used Zelle. I guess I get the MO being off the record kind of but I get a strange feeling dropping cash into the mail for something and then not having it sent at the same time, so only the one party is out anything. Maybe in an age of FaceTime there could be a simultaneous drop in the mail slot?

 

[carlsbad]

Carlsbad is right about the slippery slope. I have a friend who is a good research guy and a computer geeks that I enlisted to help me find a gun friendly credit card company when I decided to leave the Cabela's deal. Pay all my balance every month and can go anywhere and guess what, we haven't found one! Just got a Slate and guess that's what I'll be using, don't know if it's any better or not but at least it's not Bass pro...

Same with airlines. When delta came out full rainbow, I tried to find an airline more focused on family values and found none. Companies think they can use the advertising to target the liberals who are easily swayed by such items and in a way they are right. liberals tend statistically to be younger and less employed. Without real world experience they tend to be less cost conscious. Conservatives tend to shop for function and price and are pretty much unaffected by commercials. Thus they target liberals with commercials and programs while conservatives continue to make the decisions they would have made in the first place. It is starting to change as we boycott certain high profile companies, but on a day to day basis, we continue to make or decisions based on cost and performance only.

 

[spencerhenry]

Paypal is convenient, and in the case of Ebay, the only way you can pay.
I choose to limit my use of paypal to ONLY when I have no other choice. I realize that there are times when you have no choice but to buy from a liberal, or patronize a business that is doing everything they can to take away my rights, but I see no reason to give them anymore business than I have to. I would never suggest using paypal unless there is no other option.
I also like to use cash whenever possible.

 

[CT10ring]

Hello Bill. I reluctantly have a PayPal account and do accept payment through them. On higher priced items I'll do a layaway. I try to make paying for anything I offer for sale as easy as possible for the buyer. I've gotten over my boycott of all things progressive otherwise I'd have starved to death in a frozen ball by now. There's no way to avoid interacting in some way with financial institutions, retailers, utilities, schools, any government agency, medical services, etc. that won't in some way assault my personal belief system. It's just the way it is now. I tolerate more "diversity" (note I didn't say embrace) than in days past. Once I can figure out which public restroom to use, I can relax.

Hey Ken, public bathrooms - in NYC-it's a free for all
I went to a lecture at The New School / NYC last fall and the public mens' room just outside the auditorium had panic buttons.
I couldn't figure out why. Not sure I wanted to know much more, but I got a chuckle.

 

[james]

Hey Ken, public bathrooms - in NYC-it's a free for all
I went to a lecture at The New School / NYC last fall and the public mens' room just outside the auditorium had panic buttons.
I couldn't figure out why. Not sure I wanted to know much more, but I got a chuckle.

Everyone has a personal preference - I have always purchased items via money order and sold items requesting a money order and never experienced an issue. That being said I believe members of this forum are truly a standup bunch of folks and I would guess it would not be an problem to utilize personal checks.

 

[IdahoSharpshooter]

Hmmmmm...

My bank is about a mile away, and Bank Checks are free to Veterans. And, they have three smoking hot tellers; so a quick drive over is fun.

As far as the PO, there are many who believe that they are deliberately being butt heads on service; and that they would like to go out of business. Congress keeps them alive, because of the franking privileges.

 

[ratbuster]

There is a fairly new payment system called Zelle that is accepted by most banks in the US. It's quite easy to use, free and very quick. I don't believe Zelle is anti-gun although I'm not 100% sure about that. It does not offer fraud protection like PayPal though so if you're buying something and you get snookered you will have no recourse with the bank

 

[antelopedundee]

Your local bank will deposit a USPS MO, if you have a checking account there. Absolutely no difference between depositing a personal check and a USPS money order
I never take the MO to the PO because they rarely have the funds to cover the MO amount.

The window clerks say that they can pay out only what what they have in their drawer. For larger amounts I'd contact the postmaster asking him to have the cash available the next day. USPS money orders are about the safest way to send funds.

 

[antelopedundee]

I accept checks on the forum and have never had a problem.

I no longer accept USPS money orders unless there is no other option. I currently have $600 worth of money orders in my wallet that have been there since last year. I hate the post office and currently our post office is closed for repairs. My bank will cash checks, but not money orders. Apparently there are stolen blank money orders out there.

--Jerry

I don't have the link, but you can go the USPS site to check the numbers on the money orders that you have. Why not just deposit them?

 

[carlsbad]

USPS money orders are about the safest way to send funds.

That's what everybody says. I wonder if they would say that again after they had spent months trying to collect on a lost one...and this...

• U.S. Postal Service: If your stolen or lost money order is through USPS, you can check the status of it online. But if you want it replaced, you have to go to your local Post Office in person. You’ll fill out and submit a “Form 6401 Money Order Inquiry” and pay a $5.95 processing fee. The Postal Service says once you’ve submitted the form, check their Missing Money Order List (link to download at the bottom of this page ) to see if your money order’s serial number is on there. Once they’ve determined your order’s status, you’ll be issued a replacement. However, keep in mind that you’re not guaranteed a full refund on a stolen or lost money order if you don’t have a receipt for it.

What happens next?

If your lost money order was through the USPS, you’ll receive a letter letting you know if you’re eligible for a replacement money order (while they won’t refund a lost money order, you can make the replacement out to yourself and cash it). But you have to go back to your local post office in person to receive it.

If you needed to get those funds to someone urgently, it may be wise to purchase another money order in the meantime since it could take a while to get your replacement or refund.

If your lost money order has been cashed, ask for a copy from the issuer
If your stolen or lost money order has already been cashed by an unintended recipient, you might not be able to get the funds back. If it has been cashed, it’s common for issuers to provide you a photocopy of the cashed money order (if not, you can ask for one). This document lets you see who endorsed it, and if it’s someone who stole the money order, you can report it to law enforcement and provide them with this document so they can try to track down and prosecute the thief.

If the lost money order was blank, that means anyone can sign and cash it, making it harder for you to ever get that money back. But if it was addressed to someone and a different person cashed it, you may be able to get a refund since the bank didn’t properly verify the identity of the recipient.

How to keep your money order safe
Losing a money order is a headache, and as you now know, can result in a total loss of those dollars. If you want to make sure this never happens to you again, try these tips next time:

• Always save your receipt: Having your money order receipt can go a long way in speeding up the cancellation process, and some issuers won’t replace a money order or provide a full refund without one.
• Deliver your money orders carefully: One way to help prevent lost money orders in the future is to hand-deliver them or mail them. MoneyGram advises against leaving them in a drop box or anywhere they can easily be taken.
• Never leave the recipient field blank: If your money order is lost or stolen, it’s easier for someone to get away with it if they obtain a blank money order. You’re more likely to recoup the funds if it’s cashed by someone other than the indicated recipient, so fill out that field immediately (and with a black pen that won’t rub off).

No wonder my bank doesn't want to deal in Money Orders.

 

[antelopedundee]

That's what everybody says. I wonder if they would say that again after they had spent months trying to collect on a lost one...and this...

• U.S. Postal Service: If your stolen or lost money order is through USPS, you can check the status of it online. But if you want it replaced, you have to go to your local Post Office in person. You’ll fill out and submit a “Form 6401 Money Order Inquiry” and pay a $5.95 processing fee. The Postal Service says once you’ve submitted the form, check their Missing Money Order List (link to download at the bottom of this page ) to see if your money order’s serial number is on there. Once they’ve determined your order’s status, you’ll be issued a replacement. However, keep in mind that you’re not guaranteed a full refund on a stolen or lost money order if you don’t have a receipt for it.

What happens next?

If your lost money order was through the USPS, you’ll receive a letter letting you know if you’re eligible for a replacement money order (while they won’t refund a lost money order, you can make the replacement out to yourself and cash it). But you have to go back to your local post office in person to receive it.

If you needed to get those funds to someone urgently, it may be wise to purchase another money order in the meantime since it could take a while to get your replacement or refund.

If your lost money order has been cashed, ask for a copy from the issuer
If your stolen or lost money order has already been cashed by an unintended recipient, you might not be able to get the funds back. If it has been cashed, it’s common for issuers to provide you a photocopy of the cashed money order (if not, you can ask for one). This document lets you see who endorsed it, and if it’s someone who stole the money order, you can report it to law enforcement and provide them with this document so they can try to track down and prosecute the thief.

If the lost money order was blank, that means anyone can sign and cash it, making it harder for you to ever get that money back. But if it was addressed to someone and a different person cashed it, you may be able to get a refund since the bank didn’t properly verify the identity of the recipient.

How to keep your money order safe
Losing a money order is a headache, and as you now know, can result in a total loss of those dollars. If you want to make sure this never happens to you again, try these tips next time:

• Always save your receipt: Having your money order receipt can go a long way in speeding up the cancellation process, and some issuers won’t replace a money order or provide a full refund without one.
• Deliver your money orders carefully: One way to help prevent lost money orders in the future is to hand-deliver them or mail them. MoneyGram advises against leaving them in a drop box or anywhere they can easily be taken.
• Never leave the recipient field blank: If your money order is lost or stolen, it’s easier for someone to get away with it if they obtain a blank money order. You’re more likely to recoup the funds if it’s cashed by someone other than the indicated recipient, so fill out that field immediately (and with a black pen that won’t rub off).

No wonder my bank doesn't want to deal in Money Orders.

Mine has no issues with accepting them for deposit. Ask your PO to verify that they are not stolen. If you deposited a stolen MO your bank would likely return it to you and debit your account. Anytime you have to mail something there's risk of loss. Even checks can bounce months later if the checking account owner claims that he never authorized the check to be written or sent.

Cash sent via registered mail is best, but not always worth the expense.

 

[carlsbad]

antelope,
I don't stand in line at the post office. Especially since our post office has been closed since december for a collapsed roof.

Checks are simple and easy, I can deposit them from home or cash them in the supermarket. Money orders are not. My bank doesn't like them because they have been burnt with stolen ones.

I think a lot of people think they are doing me a favor sending a money order. Thought I'd let them know I prefer a check. thanks.

--Jerry