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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!
I can't imagine why anyone would mess around with paper checks.
I agree. I just wish Google did as well.
There are a lot of us here who have been waiting years for G to add more countries to the EFT option. And we are not talking about countries like Laos or Nigeria but major international financial centres like Singapore, Hong Kong etc.
The first thing dentedmind should do is contact G and his/her bank, because here we can only offer speculation. From memory though GAS cheques are on Citibank but I have not touched one for ages so may be wrong.
....However, in the interest of being fair to G, did my bank re-submit the check just in case it WAS an error? I don't know, but my bank did tell me phone calls were involved.
I failed to ask that question(about re-submittal) out of sheer desperation(and frustration) in trying to cover my checks I wrote.
I do know for sure it was drawn from a citi-bank account that has been closed. (What my bank tells me.) (I will confirm once the allegedly bad check is back in my greedy little hands.)
As far as getting paper checks are concerned...I like to hold my earnings in my hands at least once. Call me old fashioned. Is it THAT weird to want to say I actually, physically, GOT PAID?
(This was straight off the G adsense help forum)
If anyone knows any different, please let me know. I would surely like a phone number.
I'm sure my adsense account doesn't warrant a customer service rep phone call. Although, I get a check every month...and it ain't pennies. :)
A certain lawyer was quite wealthy and had a summer house in the country, to which he retreated for several weeks of the year.
Each summer, the lawyer would invite a different friend of his (no, that's not the punch line) to spend a week or two up at this place, which happened to be in a backwoods section of Maine.
On one particular occasion, he invited a Czechoslovakian friend to stay with him. The friend, eager to get a freebie off a lawyer, agreed. Well, they had a splendid time in the country - rising early and living in the great outdoors.
Early one morning, the lawyer and his Czechoslovakian companion went out to pick berries for their morning breakfast. As they went around the berry patch, gathering blueberries and raspberries in tremendous quantities, along came two huge Bears - a male and a female.
Well, the lawyer, seeing the two bears, immediately dashed for cover. His friend, though, wasn't so lucky, and the male bear reached him and swallowed him whole. The lawyer ran back to his Mercedes, tore into town as fast has he could, and got the local backwoods sheriff.
The sheriff grabbed his shotgun and dashed back to the berry patch with the lawyer. Sure enough, the two bears were still there.
"He's in THAT one!" cried the lawyer, pointing to the male, while visions of lawsuits from his friend's family danced in his head. He just had to save his friend.
The sheriff looked at the bears, and without batting an eye, leveled his gun, took careful aim, and SHOT THE FEMALE.
"What did you do that for!" exclaimed the lawyer, "I said he was in the other!"
"Exactly," replied the sheriff, "and would YOU believe a lawyer who told you that the Czech was in the Male?"
My bank, when depositing my check this month said they are holding it for 2 weeks. Some issue about the check. Of course I panicked regarding my account. I emiled Google and they said my account was fine, but shed little light on the check issue. 4 year adsense veteran, so this is their error. My account was not closed or anything, but something weird is going on.
My bank has not bounced it yet, but I am still waiting on this. There has to be more people!
I can't imagine why anyone would mess around with paper checks.
I can understand why people feel this way but...
About two years ago my bank froze my account without any notification. The only way I found out was that checks started to bounce. They said the SEC hard ordered them to do it.
It turned out to be a case of mis-identification. The SEC was trying to shut down a company with the same name but chartered in a different state. Everything resolved fine for me but it put my company in a big financial bind for a few weeks.
I know my experience was a fluke but my point is, if you think that the money you have in a bank account is yours to use you are mistaken. The bank will always position it self so it will not be put at risk for a loss, they don't care about you.
To me, paper checks, as opposed to ETF, simply provides me with a potential opportunity for access to money in the extreme case. If you are using ETF I would have different companies you get deposits from depositing to accounts in unrelated institutions.
My bank stated to me that the account from Citi-bank, on which the GAS check was issued from was indeed CLOSED. Basically I was just SOL. All this came from the assistant manager and the branch manager.
But, during my conversations with them, they kept asking me, where was this check from? How did I get it? What did I do to get it? etc. etc. The manager also stated that ,"You know, most checks you get from the internet are fraudulant!" Talk about someone w/no clue!
This definitely struck a weird chord with me as I have never had a problem in the 18 months or so I have been involved w/Google Adsense and always used the same bank. So I called the manager again!
So I said to the manager, OK, so the check is no good and the account is closed, right? And she replied yes.
Next I said: So, the check in question, as you told me yesterday, is on its way back to me, correct? She replied, Not Exactly. She said that they needed to send it to loss prevention first, and then if my account has not been overdrawn that then, and only then, would I receive the check back.
Fine then, I said, GIVE ME LOSS PREVENTIONS PHONE NUMBER! Reluctantly, she gave in.
Onto loss prevention...several on holds, and several people later I found myself talking to a gentleman by the name of Matthew at National City's Loss Prevention Center. (Yes, I'm giving the name of the bank and persons involved cause I'm still ticked about this whole thing!)
Matthew goes on to say that indeed the account the check was written on was closed and that there was no other recourse for me.
I kept up asking more and more questions (most of them phrased slightly different)
And then it happened...He slipped up. I was drilling him on when I was gonna get my check mailed back to me, and he replied that as soon as they find out that the account the check was written on is a valid account or not, would determine if and when I would get the check back.
HOLD UP! You just told me the account was closed, I said!
I told him, That's it! Just exactly what are my rights here...Google is a billion dollar company, they might make mistakes, but there would be others for sure in the same boat as me. Where are those people? But most importantly, I want the check back and I want to know right now when that is gonna happen. Just exactly what are my rights here, huh?
So he replied to me, "I'm sorry but I don't know what your rights are here but I'll transfer you to someone else who may be able to help you...give me a minute to explain the situation to them and I will transfer the call.
Five Minutes of on-hold go by....(and I almost gave in and hung up)
A lady by the name Rachael, also from National City's Loss Prevention, gets on the phone and says, Hello, sorry about the wait, everything is ok now!
WHAT THE ****?
It turns out that everyone at NATIONAL CITY from the teller on up to Rachael has lied to me on multiple occasions over the last 24 hours.
Come to find out that either the teller or someone from accounting had flagged the check as fraudulent and was in the process of investigating me (and the check) for legal action.
I was told by Rachael that there has been several attempts by individuals to cash fraudulent Google checks at National City. Perhaps this is why Hunster has a hold on his Google check.
So now, everything is ok with my Google check and my account, but it really ticks me off about the lying and the fact that it would have only taken someone about 3 mouse clicks to find out that I have been depositing checks from Google into my account for about 18 months now.
I would have much rather had a hold put on the check than the BS I had to endure from those lying you-know-whats. There was sooo much more bull thrown at me, but there just isn't enough time for me to say it all. LOL Yes, I'm switching banks.
I signed up for EFT because I live in a condo and my postman changes faster than the headlines on the daily news and most of them can't do simple tasks such as matching names and addresses to mailboxes properly and EFT avoids the postal IQ issue altogether.
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 to avoid this problem in the future. 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.
I'm glad the teller is trying to be diligent, but she needs to lighten up a little and look at the big picture that we have been using the same branch for seven years, have had two car loans with them and direct deposit most of our funds. We use a credit union because we want a personal relationship with the caretakers of our money and don't want all the hassles of a big bank that is only looking at their bottom line.
[edited by: KenB at 3:42 pm (utc) on Nov. 8, 2007]