Montreal Webmasters promoting ARS

[born2blog]

just curious, those of you who live in the Montreal area and receive ARS cheques, have you ever attempted to cash your check at Insta-Cheques and if so which branch accepts them, if any. My bank wants to put a 30 day hold on my US check but I'd rather go to an Insta-Cheques branch that knows the issuer.

thanks in advance

[fris]

no idea, i am in toronto i us tdcandatrust, they dont hold any cheques, but then again i have been with them for over 10 years.

[pawsregd]

Originally Posted by born2blog

just curious, those of you who live in the Montreal area and receive ARS cheques, have you ever attempted to cash your check at Insta-Cheques and if so which branch accepts them, if any. My bank wants to put a 30 day hold on my US check but I'd rather go to an Insta-Cheques branch that knows the issuer.

thanks in advance

You must be with Bank of Montreal?

[born2blog]

Originally Posted by pawsregd

You must be with Bank of Montreal?

haha, good guess

hopefully someone in Montreal has had success cashing ARS cheques at Insta-Cheques or some place similar and can answer my question because I don't want to drive there just to have them put my check on hold as well

[pawsregd]

I deal with BMO as well and unless I go to my branch which I have been dealing with now for 25+ years they will put a 30 day hold on my US cheques as well.

Any Insta-Cheque should cash your cheques as long as you have the proper id or paperwork if it is made to a company.

[facialfreak]

Originally Posted by pawsregd

Any Insta-Cheque should cash your cheques as long as you have the proper id or paperwork if it is made to a company.

Yeah 30-day holds are becomming standard policy for most Canadian Chartered banks, and this is poppycock AFAIAC ... it does not take 30 days to clear ANY items from ANYWHERE!

Post 9/11 policy changes -- the reason the banks give us, is a smokescreen allowing them to use our money for 30 days ... INTEREST FREE.

As far as Insta-Cheques goes, the certainly do not cash ANY cheque ... they are actually quite fussy as to which cheques they will cash. They use telephone directory listings as their first screening process. If your cheque has a phone number on it that reverse-directory (Boyers Directory) resolves to the same address on the cheque, then they may cash it ... if your cheque does not have a phone number and address that match Boyers, you can forget it ... you will be blue in the face trying to convince them to cash it, but it still ain't going to happen - they might take a photocopy of your cheque, try to get clearing on it, and phone you if and when this happens, but that is not going to get you your money today.

I have never cashed ARS at Insta-Cheques, but I know CCBill cheques go through without hassles ...

ALSO: forget about cashing cheques drawn on Bank of America at Insta-Cheques -- They would not tell me the reason why, but as soon as the broad looked at the cheque, she said "The issuer is Bank of America - we are instructed not to accept them."

[facialfreak]

bump for you

[pawsregd]

Originally Posted by facialfreak

Yeah 30-day holds are becomming standard policy for most Canadian Chartered banks, and this is poppycock AFAIAC ... it does not take 30 days to clear ANY items from ANYWHERE!

Post 9/11 policy changes -- the reason the banks give us, is a smokescreen allowing them to use our money for 30 days ... INTEREST FREE.

As far as Insta-Cheques goes, the certainly do not cash ANY cheque ... they are actually quite fussy as to which cheques they will cash. They use telephone directory listings as their first screening process. If your cheque has a phone number on it that reverse-directory (Boyers Directory) resolves to the same address on the cheque, then they may cash it ... if your cheque does not have a phone number and address that match Boyers, you can forget it ... you will be blue in the face trying to convince them to cash it, but it still ain't going to happen - they might take a photocopy of your cheque, try to get clearing on it, and phone you if and when this happens, but that is not going to get you your money today.

I have never cashed ARS at Insta-Cheques, but I know CCBill cheques go through without hassles ...

ALSO: forget about cashing cheques drawn on Bank of America at Insta-Cheques -- They would not tell me the reason why, but as soon as the broad looked at the cheque, she said "The issuer is Bank of America - we are instructed not to accept them."

Good to know

[ronaldo]

Jesus, a 30 day hold just sucks.

My bank used to hold them for 5 days, but now I can cash them instantly. BMO too btw.

[tehHinjew]

for me royal bank doesnt hold SHIT
i got a check for 800$ deposited it and it was there right away for me to touch

[KrisKross]

Originally Posted by pawsregd

I deal with BMO as well and unless I go to my branch which I have been dealing with now for 25+ years they will put a 30 day hold on my US cheques as well.

Any Insta-Cheque should cash your cheques as long as you have the proper id or paperwork if it is made to a company.

That's absurd. Complain to your branch manager.

I can deposit USD checks at the ATM and it isn't held.