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(of course I wrote checks on the money, I have a dented mind)
Overdrafts should amount to waaayy more than my adsense earnings. :)
Sweet beans and rice! Why-oh-Why didn't I switch to EFT!
As you said, that's why you chose the CU in the first place- personal service.
I had a similar problem at my bank of 16 years. They kept putting 2-week holds on large checks. Most of the time a quick call to the branh manager removed the hold. But then he left and it took almost a week of going back and forth between the new manager and corporate before they finally removed the hold. I closed the account a week later.
[edited by: LifeinAsia at 4:43 pm (utc) on Nov. 8, 2007]
I have been using this credit union for seven years and everyone except for this teller (who was new to the branch we use) knew me and my wife by name.
That situation works both ways - do you know her name and greet her personally each time?
I've avoided the tellers for years now and do all my deposits via ATM as it's less hassle when the tellers aren't scrutinizing every little thing and the checks just clear.
However, the last three times I have deposited regular checks I have had a hold placed on the funds. Have had to talk with the branch manager each time to get it removed.
Perhaps National City Bank has instituted a new way to get more "float" on the funds that are deposited. If they can place a hold on millions of dollars of deposits each day at all of their branches, they can make quite a bit of cash.
Since our publishers around the world use a huge variety of banks, it's hard for us to know the exact cause of every check problem. However, here are some things everyone should know:
* First of all, our accounts are not closed and we do have sufficient funds to pay all publishers every month. We use a non-traditional check format that some bank tellers seem to have trouble handling. We chose this system because it's designed to ensure timely and accurate payments even in large monthly volumes. Our payments team is investigating the specific difficulties banks are encountering so that we can figure out how to make things easier for all of you.
* AdSense checks are for deposit only. We've heard that some banks will tell clients who try to cash these checks that there is a problem with the check, but in fact it's a problem with the cashing.
* Ask your bank about their check-clearing times. As I'm sure you know, these will vary from bank to bank, and some banks may take a considerably longer time than others.
I strongly encourage you to sign up for EFT [google.com] or Western Union [google.com] if you live in a country that offers one of these forms of payment. This will reduce check mailing delays and mishaps, clearing times, bank miscommunications, and many other errors.
[edited by: AdSenseAdvisor at 8:02 pm (utc) on Nov. 9, 2007]
The teller took the check to her manager who came out and questioned me about why I'd be getting a check from Google. I just told her it was a commission check for hosting advertising. That was good enough -- but I just think they are suspicious because they can't understand why a company like Google would be paying "employees" in Michigan, etc.
To them, Google is a search engine. I might have just as well have walked in with a check from eBay directly.
My checks aren't over $2 K anymore (not over $1 K anymore with "smart" pricing... waaah!) but I don't think that amount should have alerted them. I think they just don't GET why Google would be sending ME a check. LOL
Anyway... happily on EFT now.
On this occassion in was a Mega Multi Million $ firm I was working and the cheque swas for a tiny amount but having it reurned unpaid caused a hell of a lot of problems for me.
Cant undestand why the US system is so backward.
Cant undestand why the US system is so backward.
Why are you so sure it's "the US system" that is the problem? In the case that started the thread. it was the local bank that was the problem, not Citibank.
Many years ago I had trouble cashing Canadian and UK checks at my local bank because they didn't know the process. I switched to a different bank and never had any problems again. It wasn't the UK or Canadian system that was to blame, it was my local bank. I suspect that if your bank is having problems cashing an American check, then it is almost certainly your local bank that is "backward", especially if the problem has happened multiple times.
Fortunately the branch manager came out, straighten everything up and removed the hold from my checks. I then explained to the teller how AdSense works.
I have since switched over to EFT with Google...
Way to go Ken.
The teller still gives me troubles about one of the other checks I get every month and the easiest way to deal with this is to just go to a different teller
Lemee guess. Amazon?
Ken if it were me personally I'd be having a quiet word with the manager. I had a similar drama with the Toukley branch of WitchBank even after years of depositing Amazon, CJ and AdSense cheques there. I simply went across to an equally nearer branch of WitchBank at LakeHaven and never had a drama since.
[For all others] You have to be an Australian to understand what WitchBank means.
I'm glad the teller is trying to be diligent, but she needs to lighten up a little
I don't agree. If you have a satisfactory personal history with these transactions then that should be final.
I'd expect far better from a Credit Onion [another Australianism] though. After all YOU ARE a part owner.
Until then I was assuming every one working in USA bank industry will be knowing JP morgan code on tips as its the most common bank used for international wires.
You just need to speak with some else in the bank to solve the issue.
My bank (like many banks here) handles Western Union payments. If Google would use it here, I could collect the payment and desposit it straight into my account.
Also, consider that the UK has EFT. About 10% of British people live abroad, but most have (and the rest can easily open) accounts in the UK. Why not allow us to use the UK EFT system?
Why not allow us to use the UK EFT system?
As I understand it, EFT requests are routed through the Federal Reserve. So it's not as simple as adding other countries to a drop-down list. Instead, Google would need to sign up for ACH in the UK. I don't know the requirements for doing that, but I doubt if it's simply a matter of filling out a few forms.
For more info on this, try:
[edited by: MikeNoLastName at 1:14 am (utc) on Dec. 15, 2007]