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And how do you avoid fraud? When you take a personal check as a payment, you don't have a concrete way of knowing whether the account it was written from has. Returned Item Fee for any item that is $5 or less. • These fees do not apply to withdrawals made at an ATM. • If your account becomes overdrawn during a. Chase. Do you know how to use your new chip card? Today is 9-8-2015 and I still haven't received my cashiers check with all my money. I will never do. does chase charge for cashiers checks

Does chase charge for cashiers checks -

Have you ever tried to pay for something using a personal check, only to be told that you needed certified funds? This happens all the time, and it's because some transactions require guaranteed funds—which personal checks aren't.

Money orders and cashier's checks are guaranteed funds and can be used in these situations as secure payment options backed by third parties. But these two payment methods aren't exactly the same, so it's important to understand the differences between the two.

The Differences Between Money Orders and Cashier's Checks

The major difference between cashier's checks and money orders is their cost and where they're purchased. Money orders are typically offered in smaller amounts, can be bought at many different locations and cost just a few dollars. Cashier's checks, on the other hand, are often issued in large amounts, can be purchased from your bank and cost a little more to get.

Depending on what you're using the money for, here is a little information about the differences between the two payment options:

A money order is essentially a prepaid piece of paper, similar to a check, that you get in exchange for cash. You can use them to send people money, and recipients can easily deposit them into their bank accounts. Many places sell money orders, including the post office, Walmart and Western Union, as well as various supermarkets and convenience stores. Money orders cost just a few dollars and can typically be obtained for amounts up to $1,000.

A cashier's check is similar to a money order, but is issued by a bank and requires a bank account. When you get a cashier's check, your bank will either hold or remove the funds from your account and give you a bank-issued check in the amount you request. Cashier's checks can be used just like a money order or personal check; the only difference is that since the funds are guaranteed by a bank and already removed from your account, recipients can have immediate access to the funds. Cashier's checks, while more expensive than money orders, may be considered more trustworthy as they are backed by a bank, but can still be obtained for just a few dollars—typically under $10.

When to Use a Money Order

Unlike a personal check, when you give someone a money order, they know the funds are guaranteed. With a normal check, it typically takes a few days before recipients can access the money because the receiving bank has to make sure the sender has enough to cover the amount. Use a money order in situations where you need to pay someone and need the payment to be secure but available immediately.

Because a money order is prepaid and backed by a third party, it can be used for situations where you need to provide immediate funds, but still want to do it securely. For example, you could use a money order when paying for something at the Department of Motor Vehicles, where funds need to be transferred on the spot. When you fill out a money order, you'll sign it and select a recipient, creating an official record and making it a more secure option than cash.

Money orders can also be advantageous for people without a bank account. If you have bills or need to make an official payment, money orders offer a secure way to send money without needing to have a bank account. It depends on where you buy it, but some issuers allow you to use a credit card, check or debit card to purchase a money order. Check with your issuer before purchasing to be sure.

When to Use a Cashier's Check

Cashier's checks are typically used when you need to make a large purchase and are asked to bring guaranteed funds—like when you are closing on a home or purchasing a new car. Rather than carrying around a bag of cash, cashier's checks offer a great way to securely transport and facilitate large payments.

Cashier's checks are also great options for people with bank accounts who need to make payments with certified funds. To get a cashier's check, you'll have to go to your bank and first make sure you have enough funds to cover the check amount. (The bank will hold your funds until the check is cashed.) You'll then ask the teller for the cashier's check, give them the recipient's information and pay the fee associated with the check. Learn the difference between a cashier's check and a certified check.

Protecting Against Money Order and Cashier's Check Fraud

Always make sure you are purchasing your money orders and cashier's checks from reputable vendors. And remember to fill out your information on the money order to avoid anyone stealing it or using it for other purposes. Also keep your receipts for certified checks and money orders; that way, if you need to stop the funds for some reason, you can contact the issuer and follow their instructions for cancelling the payment.

Also watch out for situations where you may be accepting money orders from another party. These documents, while secure if authentic, can be easily forged and may fool an unsuspecting eye.

To learn more about protecting yourself from fraudsters, check out Experian's guide on fraud and identity theft.

Understanding Your Total Financial Picture

While cashier's checks and money orders are great for certain situations where certified funds are required, relying on conventional banking options might be better for everyday payments. Using a credit card or debit card for bill payments, or using a bill pay option with a bank, can be easier, will cost you nothing and in many cases will be more secure than the certified option.

Opening a checking account can be easy, and once you have one, consider using autopay and bill pay to make all of your payments securely each month. If you don't already have one, think about also getting a credit card that can help you earn valuable rewards points while you spend. Credit cards are accepted by nearly all merchants and are helpful for making secure payments.

If you're thinking about applying for a credit card, make sure to get a free copy of your credit reports and scores from Experian so you can understand what's in your credit file. To learn more about understanding your credit reports and what's in them, see "Understanding Your Experian Credit Report."

While using a cashier's check or money order may be unavoidable in certain situations, conventional banking options for payments may be simpler—and could help you improve your financial future.


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Источник: https://www.experian.com/blogs/ask-experian/the-difference-between-a-money-order-and-a-cashiers-check/

When you need to make a large payment, whether for a car or closing costs on your new home, the vendor or merchant you need to pay might not accept a personal check. Why? Because personal checks aren’t always secure, and sometimes personal checks can bounce, which can result in the merchant or vendor not receiving their money. Instead, they may ask for a more secure form of payment, such as a cashier’s check.

If you’ve been asked to make a payment in the form of a cashier’s check, you may not know what to do. Below, we answer some important questions, such as “What is a cashier’s check?” “How to get a cashier’s check,” “Where to get a cashier’s check,” and more, so you have everything you need to know about these types of checks.

What is a Cashier’s Check?

If you’re wondering, “what is a cashier’s check?” the answer is relatively simple. A cashier’s check is a check that’s written by a bank using its own funds. Whereas a personal check uses funds from your own checking or savings account, a cashier’s check uses funds from the bank, which acts as a guaranteed form of payment because they aren’t likely to bounce. To write a cashier’s check, the bank will take money from your checking or savings account, transfer your funds to the bank’s own account, and write the check under their name. Because the bank uses their own money to back the check, it is more secure and trustworthy.

How Do You Get a Cashier’s Check?

Now that you know what a cashier’s check is, you may be asking yourself, “How do you get a cashier’s check?” Luckily, the process is relatively straightforward, and obtaining a cashier’s check shouldn’t take too much time out of your day. There are two ways you can get a cashier’s check, including from your bank or credit union, or online. Here’s where to get a cashier’s check:

Bank or credit union

If you’re part of a bank or credit union, you can go to their location in person and meet with the bank teller. When you ask the teller to write a cashier’s check, they’ll need some information, including:

  • Your identification, such as a government-issued ID like a driver’s license
  • Your bank account information
  • How much money you need the cashier’s check written out for
  • The recipient’s name
  • Any memo or notes that need to be written on the check

Once you’ve provided the bank teller with all of the required information, they will transfer funds from your checking or savings account to their own banking account. Then, the bank teller will print the cashier’s check and sign it, and it will be good to go.

However, if you’re not a member of a bank, you may still be able to obtain a cashier’s check. Some banks allow you to use cash as a form of payment, rather than a banking account. Depending on the bank, they might be able to write you a cashier’s check for the amount of money you bring in. Before you head to a bank, give them a call to see if they accept cash or not.

Online

Online banking is becoming more prevalent, especially among young adults, where 48 percent of adults aged 18-24 claim they use online banking weekly. The convenience of online banking makes it easy to order a cashier’s check, where big banks like Capital One require you to input the required information in order to send the cashier’s check to your address for you to deliver to the recipient.

How Does a Cashier’s Check Work?

Knowing how a cashier’s check works is important, as a cashier’s check can help you in a variety of scenarios. For example, if you need to pay off debt, a cashier’s check is a viable debt repayment option that can provide a secure form of payment for your lender that they can deposit into their bank account. A personal check has the possibility of bouncing, which can send you further into debt. The security of a cashier’s check is what makes it a reliable form of payment.

However, obtaining a cashier’s check can come at a cost. When you go to your bank and ask for a cashier’s check, they may charge you a fee, averaging around 10 dollars. Chase Bank, for example, charges their customers an 8 dollar cashier’s check fee. On the other hand, Bank of America charges their customers a 15 dollar cashier’s check fee, unless they’re enrolled in Preferred Rewards, where the fee will be waived. So, before you go to your bank to get a cashier’s check, it’s worth calling ahead of time to see what their fee is and if they can waive your cashier’s check fee.

Can You Get Scammed With a Cashier’s Check?

Yes, there is a possibility you can get scammed with a cashier’s check. The Consumer Financial Protection Bureau’s Consumer Response Annual Report (2018) found that 27 percent of money services, money transfers, and virtual currencies complaints had to do with fraud or scam.

As you now know, cashier’s checks are a secure form of payment, especially when bank tellers print directly onto the check to lower the possibility of forgery. However, this doesn’t mean fraud isn’t impossible. Some scam artists can create cashier’s checks using a bank’s information. Sometimes, a bank will deposit this forged cashier’s check immediately, thinking it’s legitimate, only to find out later it was a scam.

Who becomes responsible for a forged cashier’s check? Usually, the victim. If you happen to deposit a forged cashier’s check, it clears, and you end up spending the money, you might be responsible for returning the spent money if it was found to be a scam. To prevent this from happening, you can call the bank where the cashier’s check was written and ask them if the cashier’s check legitimate or not.

The Office of the Comptroller of the Currency warns against potential cashier’s check scams. Some potential scams that involve cashier’s checks include:

  • Mystery shopping: This is where someone will give you a cashier’s check and tell you to deposit it into your bank account and then use those funds to go shopping for them at specific stores. They will then ask you to wire transfer the remaining funds to a third-party that is usually located in another country.
  • Online selling: If you sell products online and you receive a cashier’s check, double-check with the bank who issued it to determine if it’s legitimate before shipping your product. If it’s a fake cashier’s check and you deposit it, you could lose profits and may not get your products back.
  • Wire agent: In this scenario, a scammer would ask you to deposit a cashier’s check into your bank account and wire the money to various people or accounts. If you’re ever approached and asked this, it’s best to politely decline, as you may fall victim to depositing a fraudulent cashier’s check.

Additionally, cashier’s checks can be lost or stolen. If this happens, you may need to purchase an indemnity bond. Helpwithmybank.gov explains that if your cashier’s check is lost or stolen, you can buy an indemnity bond at an insurance company to ensure you are responsible for the second check, not the bank. Indemnity bonds can be difficult to obtain, which is why working with an insurance broker is advised. Once your bond has been secured, your bank may have you wait 30-90 days before they write you a replacement cashier’s check.

Difference Between a Cashier’s Check and Money Order

Aside from cashier’s checks, there are numerous other forms of secure payments available to you. One popular option includes money orders. Money orders are different from cashier’s checks in that you can purchase them at a variety of non-banking institutions, such as:

  • Grocery stores
  • Convenience stores
  • S. Post Offices

The FDIC found that 37.7 percent of money orders are obtained at grocery, liquor, convenience, or drug stores. When purchasing a money order, you can typically use cash or debit.

Another difference between a cashier’s check and money order is that money orders can be easier to replace than cashier’s checks. Instead of obtaining an indemnity bond and waiting 30-90 days and asking your bank to write a replacement check, a money order can generally be replaced at your point of purchase with a valid receipt.

A final difference between a cashier’s check and money order is that money orders often come with cheaper fees compared to cashier’s check fees. Chase Bank charges 5 dollars for requesting a money order, compared to their 8 dollar charge for cashier’s checks. The U.S. Postal Service only charges $1.25 for a money order for $0.01-$500 and $1.70 for a money order between $500.01-$1,000. It’s worth noting that most places that issue money orders set a cap at $1,000, whereas cashier’s checks can exceed $1,000.

Key Takeaways on Cashier’s Checks

If you were unsure about the questions, “What is a cashier’s check?” “How does a cashier’s check work?” and “Where to get a cashier’s check?” hopefully this guide helped. Bottom line, a cashier’s check is a check written by a bank using funds from their own account. Cashier’s checks are signed by a bank teller and guarantee payment by the bank, making them a secure form of payment that can be used for larger purchases such as a boat or a down payment on a house.

If you plan to use a cashier’s check, you should also be aware of the potential risks associated with this form of payment, including cashier’s check scams. Finally, when considering which payment method to use, you should consider the differences between cashier’s checks and money orders to find the option that’s right for you.

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Cashier’s checks “checks issued by a bank” are considered by many to be risk-free. The funds are paid out by the bank, not the buyer. So, requiring a cashier’s check for payment from a customer seems very secure. And it is – as long as the check is genuine. Unfortunately, cashier’s check fraud has become a very popular crime. A December 2012 Notice from the Federal Trade Commission indicates that counterfeit check scams are on the rise, including scams involving cashier’s checks.

 

Why are counterfeit check scams increasing?

Cashier’s checks are widely considered a secure medium for obtaining payment. Most of us still trust checks issued by banks, despite the recent scandals, bailouts, and frauds, perpetrated by some of the biggest banks in the U.S.

Current technological capabilities are also a factor in the increase in check fraud. High-quality printers and scanners make it relatively easy to create counterfeits. The checks include names and real account and routing numbers and even authentic-looking watermarks. Some fake checks look so good that even bank tellers can’t tell if they are real or a forgery.

The law itself assists the counterfeiter in carrying out his crimes.  Under federal law, your bank is required to make the funds from the cashier and other bank checks available within one to five business days.  It can take up to two weeks for the check to clear the banking system and for your bank to receive payment from the issuing bank.

Some counterfeit checks are done so well that they move between banks for several weeks before the forgery is discovered. That allows plenty of time for the scammer to take the product and run, leaving you or your company to ‘take the hit’.

If you deposit a cashier’s check that turns out to be counterfeit, your bank will reverse the deposit from your account. If you have already spent some or all of the money, you are responsible for paying it back to the bank. Your only recourse would be against the person who wrote the check-in the first place.

Unfortunately, it is very difficult to catch a counterfeiter, especially one who may have executed his crime several weeks before it was discovered. Many criminals perpetrating these scams are located in foreign countries, making it that much harder to find them and prosecute.

Typical Bank Check Scams

  • An unknown buyer offering to pay C.O.D. with a cashier’s check.
  • An unknown customer submitted a cashier’s check for more than the price of the goods and asked that you wire the excess amount ASAP. If you accede to this request, the buyer will get your goods, which will usually be shipped upon receipt of the check, the money you supposedly received for the goods, as well as the overage you reimbursed to the buyer under the assumption that the bank check was good.

Avoiding Bank Check Fraud – Some Advice

  1. Be extremely cautious about accepting a cashier’s check for payment.
  2. Never accept a check that is more than your selling price.
  3. Don’t accept cashier’s checks, or any check for that matter, for payment from buyers you do not know.
  4. If you are willing to take a cashier’s check in payment, insist on one drawn from a local bank or a bank that has a local branch.

What to Do If You Are a Victim of a Cashier’s Check Scam

If you believe your company, or you, have been a victim of bank check fraud, file a complaint with each of the agencies below (as appropriate):

 

Conclusion

Unless you know and trust the person you’re dealing with, it’s best not to rely on money from a cashier’s check, or any other type of check, until your bank confirms that the check has cleared. It can take weeks to discover and untangle forgeries. The bottom line is that until the bank confirms that the funds from the check have been deposited into your account, you are responsible for any money you withdraw against that check.

 

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Источник: https://www.abc-amega.com/articles/dont-become-a-victim-of-cashiers-check-fraud/

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4 Downsides of Using Mobile Deposit

Managing your savings and checking accounts can be a lot easier these days thanks to innovations like online and mobile banking. One of the newest tools that banks are rolling out is mobile deposit, which allows you to add money to your account by taking a picture of it with your smartphone.

While mobile deposit can be convenient, it’s not without certain drawbacks. SmartAsset takes a brief look at the potential disadvantages of using mobile deposit.

1. It Can Take Longer for Funds to Hit Your Account

Generally, when you deposit a check at the drive-thru or teller window, you can expect to see at least some of the money credited to your account that same day. When you deposit a check from your mobile device, it may take a little longer for your funds to become available based on what time of day the deposit was made. For example, mobile check deposits made after 6 p.m. Pacific time on business days to at least one major bank can’t be used until two business days later.

Aside from the processing cutoff times, there are a few other things that can potentially affect how long it takes for the money to show up in your account. If you’re a new customer, you’ve racked up multiple overdraft charges, the deposit is for more than a certain dollar amount (say $50,000) or the bank believes that the check won’t be honored, you may have to wait as long as a week for it to be verified before the deposit clears.

2. Some Banks Limit How Much You Can Deposit

Mobile deposit’s usefulness may only go so far if you’ve got multiple checks you need to deposit each month. Some banks require you to make your deposits at an ATM or in-person at a branch once you reach a certain number of transactions or a specific dollar amount.

Each bank sets its own policy on how much you can deposit from your mobile device and in some cases, it depends on how long you’ve been a customer. Truist, for instance, limits mobile check deposits to $1,000 per check and $3,000 per month if your account has been open for six months or less. At Citibank, the limit for new account holders is $500 per day or $1,500 per month.

3. You May Be Charged a Fee

While most banks offer mobile deposit services at no charge, others impose a small fee. At least one major bank charges a fee, currently set at $0.50 per transaction.  You may have to pay a fee if you have an account at a smaller community bank or credit union, so it’s a good idea to read over your account agreement before you begin using mobile deposit. While it doesn’t seem like a lot, you could easily be nickel and diming yourself if you use mobile deposit on a regular basis.

4. Security Is Not 100% Guaranteed

Banks are more cautious than ever these days when it comes to protecting their customers’ information but there’s always the possibility that a cyber thief could get his or her hands on your account details if you use mobile deposit.

To minimize the risk, it’s a good idea to avoid storing your username or password in your phone’s app and only log in to mobile banking services using a secure connection. Something as simple as putting a lock code on your smartphone can keep a random stranger from accessing your account if your phone gets lost or stolen.

Final Word

If you don’t have time to stand in line at the bank, mobile deposit can be an efficient way to manage your money. Just be sure you’re clear on what your bank’s policies are before you start snapping away with your phone.

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Источник: https://smartasset.com/checking-account/4-downsides-of-using-mobile-deposit

How to Handle a Lost Cashier’s Check

Understanding Cashier's Checks

Cashier’s checks can be a safe way to receive payments from businesses or individuals⁠—or to make payments to them. These official checks are purchased using money from a personal or business checking account, which is then deposited into the bank’s account. The bank then issues a cashier’s check in its name, which makes these checks lower risk compared to personal checks.

But what happens if you purchase a cashier’s check—or you receive one⁠—and it ends up getting lost? Don’t panic; you do have some remedies when a lost cashier’s check throws a wrench in your financial plans. 

How to Handle a Lost Cashier’s Check

If you purchase a cashier’s check and lose it, the first step is to report the loss to your bank. You may have to complete a declaration of loss statement, which basically says you verify that the check is lost and can’t be found. From there, the bank will most likely ask you to purchase an indemnity bond. This ensures that the bank isn’t liable if you lose the check again, or if it’s damaged or stolen.

Key Takeaways

  • Canceling a cashier’s check is more complex than canceling a personal bank check.
  • If you lose a cashier’s check you must notify the bank, fill out a declaration of lost form, and wait–it can take 90 days (after you file) to recoup the money.
  • The bank will levy a fee of $30 or more when you cancel a cashier’s check. 

You can purchase an indemnity bond through an insurance company, but according to the Office of the Comptroller of the Currency (OCC), you may need an insurance broker’s help to do so. And, if you’re successful in buying an indemnity bond, the bank may require you to wait 30 to 90 days before issuing a replacement check. That could be problematic if you need the check for something like paying your rent, buying a home, or buying a car and you don’t have other funds to fall back on.

Some banks may limit the amount of a cashier’s check that can be canceled.   

But what if you lose a cashier’s check that was made out to you by someone else? In that case, the OCC says your first recourse is simply to ask the person who bought the check to buy another one. However, that may not be realistic for them financially, or they may simply not be willing to comply. If they opt not to purchase a replacement check, you could bring an indemnity bond to the bank that issued the original check and ask them to honor it.      

Stopping Payment on a Lost Cashier’s Check

Can you simply stop payment on a lost cashier’s check? Technically, the OCC says you may be able to do that, depending on which bank issued the check. Most banks allow you to initiate a stop payment over the phone or online, but it’s a good idea to call your bank to find out what its policies are for cashier’s checks.

Be aware that the bank may still require you to purchase an indemnity bond if you’re stopping payment on a cashier’s check. Also, keep in mind that you’ll have to pay a fee for stopping payment on a cashier’s check, which may be $30 or more. And, you may have to wait up to 180 days for the bank to refund the money to your account.

The Bottom Line

It's clearly not ideal to lose a cashier’s check, but you do have options for dealing with it. However, if you’re worried about the possibility that you might lose a cashier’s check, whether you're the purchaser or the recipient, the best option may be to look for alternate ways to send or receive money. You might consider using a money transfer company such as Western Union, PayPal, MoneyGram or Xoom, or electronic transfers from your checking account to be sure that your money won't get lost in the shuffle.

Источник: https://www.investopedia.com/personal-finance/how-handle-lost-cashiers-check/

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The Bad Boy Buggy XD is the 4x4 utility vehicle designed for looking a hard day's work straight in the eye and telling it to "BRING IT ON. May 03, 2014 · 2009 Bad Boy Buggie XT AWD ALL Electric Loaded with all extras MSRP15K (Griffin) $6400. $11,499 (est. 9 Peak HP; Push button limited slip 4wd; Push button forward and reverse; Eight 6v 2300 series interstate batteries Oct 03, 2006 · Bad Boy Buggies Breland Machinery Company FALSE ADVERTISING. 764-1005-00 Bad Boy Mowers MTV (Utility Vehicle) Choke Cable 764100500. On the 1st night that the dealer delivered it the buggy wouldnt crank/turn over in gas mode. With a full range of options and accessories for safety, functionality, performance, comfort, entertainment and just plain good looks, roll these great extras in when you purchase for a low monthly price—right into your mower’s financing. Author. We had it for about 2 weeks and when we came around corners (we have a lot of blind corners), we were almost always catching deer by surprise. When plugged in it will charge up and show full charge on the fuel gauge on the dash, but when I drive it there is some power for very short time, I cleaned all the posts on the batteries and put water just above the batteries plates from my dehumidifier. favorite this post Oct 2. Hagler Golf Car World sales new and used EZ-GO, Bad Boy Buggies, Club Cars and more. - 4x4 , comes with a winch, Stereo, bluetooth mic for phone calls, front windshield, roof, 2 gun racks, front clay basket, upgraded super bright head Bad Boy Buggies HD. 2 Controllers. (18 Holes of golf, typical cart use) DPI 7212EZN. sawtooth1 · Registered. KBB. BBE has established a national brand name, Bad Boy Buggies, and is well known in the ‘hunting vehicle’ industry. Has anyone had experience Reply with quote. Had drops in Ill,Wi,Mn. February 11, 2009 at 12:03 am #746962. S. 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Jump to Latest Follow 1 - 17 of 17 Posts. Oct 25, 2016 · Joined Sep 8, 2010. 2006 Bad Boy BUGGY. Learn more about the Bad Boy LD. Owners of Bad Boy Buggies are avid hunters who began offering a battery-powered electric UTV earlier this decade. Hunters who are familiar with the all-electric Bad Boy Buggies might remember when the company changed its name Longview, Texas best dealer of new and used Golf Cars. By UTV Driver November 7, 2016. But all of the reviews seem to be older. – Encouraged to help our website, in this period I’ll show you in relation to bad boy buggy wiring diagram. Rear Flip Seat. Constant problems with electrical connections, poor construcion, cheap construction, and blame the customer for it all attitude. $1,999 (Macon otp south ) pic hide this posting restore restore this posting. Comes with battery charger. 00 Gas golf carts. We are a proud authorized dealer of top-of-the-line models from Polaris, Sea-Doo, and Slingshot. Here is a quick check you can do with an ohm meter to see if you have a shorted unit. image 1 of 19. Jul 15, 2014 · Breland Buggies is the largest parts and accessories dealer for bad boy buggies in the world. Get Your Bad Boy Buggy Parts now. And you can activate both powertrains for on-demand 4WD. Over 250 buggies converted to date. Golf Cart Services Inc, New Oxford, Gettysburg, York, Hanover mobile, AL for sale "bad boy buggy" - craigslist orlando for sale "bad boy buggy" - craigslist Feb 28, 2020 · I have a Bad Boy Buggy Classic. " badboybuggies. Mar 06, 2017 · Name Change: Bad Boy Off Road to Textron Off Road. THE RIDE The unit is very nimble and easy to maneuver: at no time was I left with the feeling that this unit required power steering. Pages: 143. st cloud,mn. The 20+ year old club car ended up broken down just as often as the brand new polaris, the two year old bad boy buggy and the three year old bad boy buggy. Crown Batteries 48V2 Motors. reserves the right to incorporate engineering and design changes to products in this manual, without obligation to include these The Bad Boy Buggies Sport Series includes a range of 4x4 electric vehicles, 2WD electric vehicles Oct 26, 2011 · Bad Boy Buggy dealers nationwide sold the buggies in camouflage patterns, hunter greenm red and black from August 2009 through June 2011 for approximately $7,000 to $15,000. 48 miles on a full charge. $1,250. badboybuggies. come in today or Give us a call for rates and more information 662. com. #20 · Oct 25, 2016. If the problem is still present contact the service department at Bad Boy Buggies for further assistance. Bad Boy Buggies EZGO. Checking 'include nearby areas' will expand your search. Discharge the CAP bank by temporary shorting B+ to B-. re: Need Batteries for 4x4 Bad Boy Buggy Posted. pdf. 2015 Bad Boy Elite. You must remove the cup holder to access the fuses. Our chargers are the latest, microprocessor controlled units, with maintenance modes for maintaining your cart for days, weeks, or months after a charge is completed. HWY 29LIBERTY HILL512 778 9056ennisgolfcarts. favorite this post Oct 31 2010 Cobra CX50 Jr Apr 11, 2016 · Bad Boy Buggies is coming out with a bigger, more powerful off-road vehicle–and they’re giving one away. I am almost finished the referb project on this cart. Completely quiet electric drive machine. 99 plus $19. Bad Boy Buggy. Bad Boy Buggies 2016 Recoil UTV offers a deadly quiet 72-V AC electric drivetrain giving you the stealth and power you need to hunt down your prey. 4 horsepower with this buggy, a good amount for an electric model. Description: 48 volt; Front and Rear Open Differential; 4 wheel independent MacPherson Struts, CAMO, Comes with standard equipment, water fill system, and upgrades - chrome wheels and apron. 345 939. Business Profile Bad Boy Buggies. Complete with charger. 199 Highway 61 S. Utility Utility Vehicles. Longshore Cycle Center. For camping, fishing, trail riding and more, the HD Electric gets you there. Chase Elliott JR. Bad Boy Buggies made its name by producing electric 4×4 off-road vehicles. . Typically ship within 48 hours. Full-time regenerative braking gives you extended drive time with family and friends. Feb 03, 2019 · Usually found in newer golf carts like the Bad Boy Buggy, Gem Car, Kandi Coco and Textron or Polaris Off Road Vehicles. i have driven mine above the floor boards in mud , plowed through Oct 06, 2014 · Breland Buggies is the largest parts and accessories dealer for bad boy buggies in the world. Joined Jan 20, 2015 · 513 Posts . Bad Boy Buggie 2013 Ambush advertised as an off road hunting vehicle. May be picked up or delivered. Batteries do not hold a very long charge. Used Value Price Guide. Guy in St. 61 MB ) (270 downloads) Popular. I have one and love it , i live in the south and hunt a 4000 acre swamp/club. Bad Boy Buggies of Augusta Specialties May 23, 2008 · 2008 Bad Boy Buggy Review: With full time four wheel drive and two powerful drive motors plus substantial storage area the battery powered Bad Boy Buggy is a vehicle worth looking at by anyone who BAD BOY BUGGIES RECOIL Review! Plus a side by side comparison of ATV vs Bad Boy Buggy noise level. Call 941 2017 Bad Boy Buggies Ambush iS 4-Passenger Realtree Xtra, 2017 Textron Off Road Ambush iS 4-Passenger Realtree® Xtra <p>Get the best of both worlds with Ambush® iS. Phone: (601) 656-9768. BAD BOY BUGGY VEHICLES LD STARTING MODEL YEAR 2011 DISCLAIMER: The E-Z-GO Division of Textron Inc. Roof rack, tree stand carriers, gun racks, roof racks, and bow carriers. 99. I know this is the former Bad Boy Buggy which has probably the worst reviews around. 2011 Bad Boy Buggy $5,000 (Dallas area dallas ) pic hide this posting restore restore this posting ^ back to top ^ back to top. 2016 Bad Boy Buggy Recoil IS. Bad Boy Buggies pioneered the category of electrically powered 4×4 vehicles, ideal for hunting and outdoor recreation due to their silent, odorless operation and environmentally friendly, emissions-free drivetrains. 2016 Bad Boy Maverick. It’s 9. Overview Discussion. Find all of your bad boy mower parts here. The Bad Boy Buggy LD utility vehicle features a gas or electric option while packing a big punch with its smaller size. Models include ZT ELITE, MAVERICK, MZ MAGNUM, OUTLAW REBEL, ZT AVENGER, ROGUE, OUTLAW REVOLT, OUTLAW, OUTLAW RENEGADE, and COMPACT OUTLAW. 941-484-9909 4x4 UTV Accessories www. 99 shipping: Rebuild YOUR - NAVITAS Traction Controller DSE1000HH 24/48 volt Browse 706 bad boy buggies stock photos and images available, or start a new search to explore more stock photos and images. If you don't see the Switch you need please check out our Bad Boy part diagrams. The Textron Stampede series is a springboard for better things to come, especially after Textron’s merger with Arctic Cat. LIKE NEW, NOT A SCRATCH ON IT. They were bought by EZ-GO and presumably manufactured by EZ-GO now so my hope is that they'd be as robust as their golf carts. We know ATVs and Golf Cars so call one the best. Natchez, MS Jun 16, 2014 · Bad Boy Buggy Garage - "Brake Bleeding & Service Adjustments": Directed by Jonathan Cook. ebfg. All four went through several iterations of repair. Jack. Alternative Views: Our Price: $1,258. 00 USD. Sep 14, 2016 · Just sold my Bad Boy that cost $16500 for 7 thousand. bad boy buggy

Источник: http://cfgolf.net/omp6y3og/bad-boy-buggy.html

Which is safer? And how do you avoid fraud?

When you take a personal check as a payment, you don’t have a concrete way of knowing whether the account it was written from has enough money in it to cover the amount. This puts you as a recipient at risk of not getting the payment you expect. With a certified check, that risk is mitigated because the bank has set aside the amount indicated. With a cashier’s check, it’s mitigated because the check is written from the bank’s account.

When it issues a certified check, the bank verifies a customer’s signature and ensures that the amount of the check is in the account and set aside for that check to clear. The bank will add a stamp, signature or other unique marking to show that a check is certified.

When it issues a cashier’s check, the bank is giving you a check from its own account, with the bank address, account number and phone number. People may attempt to pass fraudulent cashier’s checks. To make sure the cashier’s check is legitimate, look up the phone number of the bank referenced independently (rather than using the number on the check) and call them to confirm the check.

Источник: https://www.key.com/personal/banking101/cashiers-vs-certified-checks.jsp

When you need to make a large payment, whether for a car or closing costs on your new home, the vendor or merchant you need to pay might not accept a personal check. Why? Because personal checks aren’t always secure, and sometimes personal checks can bounce, which can result in the merchant or vendor not receiving their money. Instead, they may ask for a more secure form of payment, such as a cashier’s check.

If you’ve been asked to make a payment in the form of a cashier’s check, you may not know what to do. Below, we answer some important questions, such as “What is a cashier’s check?” “How to get a cashier’s check,” “Where to get a cashier’s check,” and more, so you have everything you need to know about these types of checks.

What is a Cashier’s Check?

If you’re wondering, “what is a cashier’s check?” the answer is relatively simple. A cashier’s check is a check that’s written by a bank using its own funds. Whereas a personal check uses funds from your own checking or savings account, a cashier’s check uses funds from the bank, which acts as a guaranteed form of payment because they aren’t likely to bounce. To write a cashier’s check, the bank will take money from your checking or savings account, transfer your funds to the bank’s own account, and write the check under their name. Because the bank uses their own money to back the check, it is more secure and trustworthy.

How Do You Get a Cashier’s Check?

Now that you know what a cashier’s check is, you may be asking yourself, “How do you get a cashier’s check?” Luckily, the process is relatively straightforward, and obtaining a cashier’s check shouldn’t take too much time out of your day. There are two ways you can get a cashier’s check, including from your bank or credit union, or online. Here’s where to get a cashier’s check:

Bank or credit union

If you’re part of a bank or credit union, you can go to their location in person and meet with the bank teller. When you ask the teller to write a does chase charge for cashiers checks check, they’ll need some information, including:

  • Your identification, such as a government-issued ID like a driver’s license
  • Your bank account information
  • How much money you need the cashier’s check written out for
  • The recipient’s name
  • Any memo or notes that need to be written on the check

Once you’ve provided the bank teller with all of the required information, they will transfer funds from your checking or savings account to their own banking account. Then, the bank teller will print the cashier’s check and sign it, and it will be good to go.

However, if you’re not a member of a bank, you may still be able to obtain a cashier’s check. Some banks allow you to use cash as a form of payment, rather than a banking account. Depending on the bank, they might be able to write you a cashier’s check for the amount of money you bring in. Before you head to a bank, give them a call to see if they accept cash or not.

Online

Online banking is becoming more prevalent, especially among young adults, where 48 percent of adults aged 18-24 claim they use online banking weekly. The convenience of online banking makes it easy to order a cashier’s check, where big banks like Capital One require you to input the required information in order to send the cashier’s check to your address for you to deliver to the recipient.

How Does a Cashier’s Check Work?

Knowing how a cashier’s check works is important, as a cashier’s check can help you in a variety of scenarios. For example, if you need to pay off debt, a cashier’s check is a viable debt repayment option that can provide a secure form of payment for your lender that they can deposit into their bank account. A personal check has the possibility of bouncing, which can send you further into debt. The security of a cashier’s check is what makes it a reliable form of payment.

However, obtaining a cashier’s check can come at a cost. When you go to your bank and ask for a cashier’s check, they may charge you a fee, averaging around 10 dollars. Chase Bank, for example, charges their customers an 8 dollar cashier’s check fee. On the other hand, Bank of America charges their customers a 15 dollar cashier’s check fee, unless they’re enrolled in Preferred Rewards, where the fee will be waived. So, before you go to your bank to get a cashier’s check, it’s worth calling ahead of time to see what their fee is and if they can waive your cashier’s check fee.

Can You Get Scammed With a Cashier’s Check?

Yes, there is a possibility you can get scammed with a cashier’s check. The Consumer Financial Protection Bureau’s Consumer Response Annual Report (2018) found that 27 percent of money services, money transfers, and virtual currencies complaints had to do with fraud or scam.

As you now know, cashier’s checks are a secure form of payment, especially when bank tellers print directly onto the check to lower the possibility of forgery. However, this doesn’t mean fraud isn’t impossible. Some scam artists can create cashier’s checks using a bank’s information. Sometimes, a bank will deposit this forged cashier’s check immediately, thinking it’s legitimate, only to find out later it was a scam.

Who becomes responsible for a forged cashier’s check? Usually, the victim. If you happen to deposit a forged cashier’s check, it clears, and you end up spending the money, you might be responsible for returning the spent money if it was found to be a scam. To prevent this from happening, you can call the bank where the cashier’s check was written and ask them if the cashier’s check legitimate or not.

The Office of the Comptroller of the Currency warns against potential cashier’s check scams. Some potential scams that involve cashier’s checks include:

  • Mystery shopping: This is where someone will give you a cashier’s check and tell you to deposit it into your bank account and then use those funds to go shopping for them at specific stores. They will then ask you to wire transfer the remaining funds to a third-party that is usually located in another country.
  • Online selling: If you sell products online and you receive a cashier’s check, double-check with the bank who issued it to determine if it’s legitimate before shipping your product. If it’s a fake cashier’s check and you deposit it, you could lose profits and may not get your products back.
  • Wire agent: In this scenario, a scammer would ask you to deposit a cashier’s check into your bank account and wire the money to various people or accounts. If you’re ever approached and asked this, it’s best to politely decline, as you may fall victim to depositing a fraudulent cashier’s check.

Additionally, cashier’s checks can be lost or stolen. If this happens, you may need to purchase an indemnity bond. Helpwithmybank.gov explains that if your cashier’s check is lost or stolen, you can buy an indemnity bond at an insurance company to ensure you are responsible for the second check, not the bank. Indemnity bonds can be difficult to obtain, which is why working with an insurance broker is advised. Once your bond has been secured, your bank may have you wait 30-90 days before they write you a replacement cashier’s check.

Difference Between a Cashier’s Check and Money Order

Aside from cashier’s checks, there are numerous other forms of secure payments available to you. One popular option includes money orders. Money orders are different from cashier’s checks in that you can purchase them at a variety of non-banking institutions, such as:

  • Grocery stores
  • Convenience stores
  • S. Post Offices

The FDIC found that 37.7 percent of money orders are obtained at grocery, liquor, convenience, or drug stores. When purchasing a money order, you can typically use cash or debit.

Another difference between a cashier’s check and money order is that money orders can be easier to replace than cashier’s checks. Instead of obtaining an indemnity bond and waiting 30-90 days and asking your bank to write a replacement check, a money order can generally be replaced at your point of purchase with a valid receipt.

A final difference between a cashier’s check and money order is that money orders often come with cheaper fees compared to cashier’s check fees. Chase Bank charges 5 dollars for requesting a money order, compared to their 8 dollar charge for cashier’s checks. The U.S. Postal Service only charges $1.25 for a money order for $0.01-$500 and $1.70 for a money order between $500.01-$1,000. It’s worth noting that most places that issue money orders set a cap at $1,000, whereas cashier’s checks can exceed $1,000.

Key Takeaways on Cashier’s Checks

If you were unsure about the questions, “What is a cashier’s check?” “How does a cashier’s check work?” and “Where to get a cashier’s check?” hopefully this guide helped. Bottom line, a cashier’s check is a check written by a bank using funds from their own account. Cashier’s checks are signed by a bank teller and guarantee payment by the bank, making them a secure form of payment that can be used for larger purchases such as a boat or a down payment on a house.

If you plan to use a cashier’s check, you should also be aware of the potential risks associated with this form of payment, including cashier’s check scams. Finally, when considering which payment method to use, you should consider the differences between cashier’s checks and money orders to find the option that’s right for you.

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Источник: https://mint.intuit.com/blog/relationships/cashiers-check-4488/

How to Handle a Lost Cashier’s Check

Understanding Cashier's Does chase charge for cashiers checks

Cashier’s checks can be a safe way to receive payments from businesses or individuals⁠—or to make payments to them. These official checks are purchased using money from a personal or business checking account, which is then deposited into the bank’s account. The bank then issues a cashier’s check in its name, which makes these checks lower risk compared to personal checks.

But what happens if you purchase a cashier’s check—or you receive one⁠—and it ends up getting lost? Don’t panic; you do have some remedies when a lost cashier’s check throws a wrench in your financial plans. 

How to Handle a Lost Cashier’s Check

If you purchase a cashier’s check and lose it, the first step is to report the loss to your bank. You may have to complete a declaration of loss statement, which basically says you verify that the check is lost and can’t be found. From there, the bank will most likely ask you to purchase an indemnity bond. This ensures that the bank isn’t liable if you lose does chase charge for cashiers checks check again, or if it’s damaged or stolen.

Key Takeaways

  • Canceling a cashier’s check is more complex than canceling a personal bank check.
  • If you lose a cashier’s check you must notify the bank, fill out a declaration of lost form, and wait–it can take 90 days (after you file) to recoup the money.
  • The bank will levy a fee of $30 or more when you cancel a cashier’s check. 

You can purchase an indemnity bond through an insurance company, but according to the Office of the Comptroller of the Currency (OCC), you may need an insurance broker’s help to do so. And, if you’re successful in buying an indemnity bond, the bank may require you to wait 30 to 90 days before issuing a replacement check. That could be problematic if you need the check for something like paying your rent, buying a home, or buying a car does chase charge for cashiers checks you don’t have other funds to fall back on.

Some banks may limit the amount of a cashier’s check that can be canceled.   

But what if you lose a cashier’s check that was made out to you by someone else? In that case, the OCC says your first recourse is simply to ask the person who bought the check to buy another one. However, that may not be realistic for them financially, or they may simply not be willing to comply. If they opt not to purchase a replacement check, you could bring an indemnity bond to the bank that issued the original check and ask them to honor it.      

Stopping Payment on a Lost Cashier’s Check

Can you simply stop payment on a lost cashier’s check? Technically, the OCC says you may be able to do that, depending on which bank issued the check. Most banks allow you to initiate a stop payment over the phone or online, but it’s a good idea to call your bank to find out what its policies are for cashier’s checks.

Be aware that the bank may still require you to purchase an indemnity bond if you’re stopping payment on a cashier’s check. Also, keep in mind that you’ll have to pay a fee for stopping payment on a cashier’s check, which may be $30 or more. And, you may have to wait up to 180 days for obie trice christchurch bank to refund the money to your account.

The Bottom Line

It's clearly not ideal to lose a cashier’s check, but you do have options for dealing with it. However, if you’re worried about the possibility that you might lose a cashier’s check, whether you're the purchaser or the recipient, the best option may be to look for alternate ways to send or receive money. You might consider using a money transfer company such as Western Union, PayPal, MoneyGram or Xoom, or electronic transfers from your checking account to be sure that your money won't get lost in the shuffle.

Источник: https://www.investopedia.com/personal-finance/how-handle-lost-cashiers-check/

4 Downsides of Using Mobile Deposit

Managing your savings and checking accounts can be a lot easier these days thanks to innovations like online and mobile banking. One of the newest tools that banks are rolling out is mobile deposit, which allows you to add money to your account by taking a picture of it with your smartphone.

While mobile deposit can be convenient, it’s not without certain drawbacks. SmartAsset takes a brief look at the potential disadvantages of using mobile deposit.

1. It Can Take Longer for Funds to Hit Your Account

Generally, when you deposit a check at the drive-thru or teller window, you can expect to see at least some of the money credited to your account that same day. When you deposit a check from your mobile device, it may take a little longer for your funds to become available based on what time of day the deposit was made. For example, mobile check deposits made after 6 p.m. Pacific time on business days to at least one major bank can’t be used until two business days later.

Aside from the processing cutoff times, there are a few other things that can potentially affect how long it takes for the money to show up in your account. If you’re a new customer, you’ve racked up multiple overdraft charges, the deposit is for more than a certain dollar amount (say $50,000) or the bank believes that the check won’t be honored, you may have to wait as long as a week for it to be verified before the deposit clears.

2. Some Banks Limit How Much You Can Deposit

Mobile deposit’s usefulness may only go so far if you’ve got multiple checks you need to deposit each month. Some banks require you to make your deposits at an ATM or in-person at a branch once you reach a certain number of transactions or a specific dollar amount.

Each bank sets its own policy on how much you can deposit from your mobile device and in some cases, it depends on how long you’ve been a customer. Truist, for instance, limits mobile check deposits to $1,000 per check and $3,000 per month if your account has been open for six months or less. At Citibank, the limit for new account holders is $500 per day or $1,500 per month.

3. You May Be Charged a Fee

While most banks offer mobile deposit services at no charge, others impose a small fee. At least one major bank charges a fee, currently set at $0.50 per transaction.  You may have to pay a fee if you have an account at a smaller community bank or credit union, so it’s a good idea to read over your account agreement before you begin using mobile deposit. While it doesn’t seem like a lot, you could easily be nickel and diming yourself if you use mobile deposit on a regular basis.

4. Security Is Not 100% Guaranteed

Banks are more cautious than ever these days when it comes to protecting their customers’ information but there’s always the possibility that a cyber thief could get his or her hands on your account details if you use mobile deposit.

To minimize the risk, it’s a good idea to avoid storing your username or password in your phone’s app and only log in to mobile banking services using a secure connection. Something as simple as putting a lock code on your smartphone can keep a random stranger from accessing your account if your phone gets lost or stolen.

Final Word

If you don’t have time to stand in line at the bank, mobile deposit can be an efficient way to manage your money. Just be sure you’re clear on what your bank’s policies are before you start snapping away with your phone.

Update: Have more financial questions? SmartAsset can help. So many people reached out to us looking for tax and long-term financial planning help, we started our own matching service to help you find a financial advisor. The SmartAdvisor matching tool can help you find a person to work with to meet your needs. First you’ll answer a series of questions about your situation and goals. Then the program will narrow down your options from thousands of advisors to up to three fiduciaries who suit your needs. You can then read their profiles to learn more about them, interview them on the phone or in person and choose who to work with in the future. This allows you to find a good fit while the program does much of the hard work for you.

Photo credit: flickr

Источник: https://smartasset.com/checking-account/4-downsides-of-using-mobile-deposit

Best National Banks

Gold: Chase Bank

www.chase.com

Why it won: From family-friendly checking accounts to premium perks for those who keep big balances, Chase provides options for a range of needs. A broad network of branches makes it easy for customers throughout the country to get in-person service.

Standout accounts: Sapphire Banking offers nice benefits for customers who keep a combined deposit and investment accounts balance of at least $75,000. The First Banking, High School Checking and College Checking accounts are free for qualifying children and students.

Where it is: Nearly 5,000 branches in 38 states and Washington, D.C. Terms and rates listed here are for customers in Columbus, Ohio.

Chase’s most popular checking account is Total Checking, which waives the $12 monthly fee if you have at least $500 of electronic deposits, keep a checking balance of at least $1,500 or have $5,000 or more in combined balances among Chase deposit and investment accounts. If you hold $15,000 or more in deposits and investments, have a linked Chase mortgage or are a military member, you won’t pay the $25 monthly fee for Premier Plus Checking, which provides free standard checks, money orders, cashier’s checks and access to a safe-deposit box, plus four monthly out-of-network ATM transactions with no fee from Chase (the ATM operator will likely charge you). Notably for a large bank, Chase charges no fee to have money automatically transferred from savings to checking if you overdraw your account.

Sapphire Banking takes it up a level. If you maintain a $75,000 balance in combined Chase deposit and investment accounts, you skip the $25 monthly fee and get ATM out-of-network fee reimbursements worldwide; waived overdraft fees (up to four in a 12-month span); no foreign-exchange fees; and free personal checks, cashier’s checks, money orders, stop payments, and incoming and outgoing wire transfers. Chase’s self-directed investment account requires no minimum investment, and online trades are free. The Automated Investing robo-adviser service has a $500 minimum and charges a 0.35% annual fee.

For certain events, Sapphire Banking customers can get early tickets and priority seating or access to Sapphire Lounges. (Such perks have been on hold during the pandemic, but Chase expects to reintroduce them later this year.) If you hold $150,000 or more in deposit and investment accounts, upgrade to Chase Private Client, which offers the same freebies as Sapphire Banking plus higher limits on Zelle transactions, dedicated banking and investment advisers, and other benefits.

If you have kids, check out Chase’s youth accounts, which offer strong digital tools and age-appropriate capabilities. The free First Banking account is available to children age 6 to 17 whose parents have a Chase checking account. High School Checking is free for teens age 13 to 17 whose parents have an eligible linked personal checking account, and it comes with a free savings account as well as the ability to write and deposit checks and send money with Zelle. College Checking is free for college students age 17 to 24 (for up to five years) and requires no linked parental account.

Chase Savings yields 0.01% (the $5 monthly fee is waived if you are younger than 18, have a balance of at least $300, set up a re­curring $25 transfer from a Chase checking account or link a qualifying Chase checking account). Premier Savings yields up to 0.05%, depending on the balance, for Premier Plus and Sapphire checking customers who have at least five customer-initiated checking transactions per month. (It’s free if you keep a $15,000 balance or link a Premier Plus or Sapphire checking account.) For those who have a checking account, certificates of deposit yield up to 0.05%.

Silver: TD Bank

www.td.com

Why it won: Compared with other banks of its size, TD requires does chase charge for cashiers checks balance minimums to avoid monthly fees on its checking accounts. Plus, it offers student and senior accounts.

Standout account: Beyond Checking provides three ways to waive the $25 monthly fee and comes with a host of attractive benefits.

Where it is: More than 1,100 branches in 15 eastern states and Washington, D.C. Terms and rates are for Delaware.

Beyond Checking dangles a collection of benefits, including free standard checks, money orders, cashier’s checks, stop payments, paper statements, incoming wire transfers and overdraft transfers. Fees are reimbursed for one outgoing wire per month, two overdrafts per year and all rush bill payments. Out-of-network ATM fees are refunded both domestically and in­ternationally if you keep a $2,500 checking balance. No foreign-transaction fee applies when you use your debit card abroad. You’ll avoid the monthly fee if you have monthly direct deposits of at least $5,000, maintain a checking balance of at least $2,500 or have a combined balance of $25,000 or more in TD deposits, home equity loans or lines of credit, and mortgages. With the basic Convenience Checking, keep $100 in checking to avoid the $15 monthly fee. The account is free for those age 17 to 23, and overdraft-transfer fees are waived if you fall into that age group.

TD’s Simple Savings account yields 0.02% and waives the $5 monthly fee if you have does chase charge for cashiers checks $300 minimum balance, you are 18 or younger or 62 or older, or you link it to an eligible checking account. (Or, for the first year, avoid the fee by having a monthly transfer of at least $25 into the account from a TD checking account.) Beyond Savings has a standard rate of 0.01%, but yields as much as 0.05% on a balance of $250,000 or more if you link an eligible TD mortgage, home equity loan or line of credit, credit card, or checking account. Keep a $20,000 balance or link an eligible checking account to waive the monthly $15 fee. For more on TD’s savings options and 60 Plus Checking account, see the “Best for Retirees” winner.

Bronze: PNC Bank

www.pnc.com

Why it won: Even PNC’s basic checking account comes with perks.

Standout account: Bypassing the monthly fee with the basic Virtual Wallet account package isn’t a heavy lift, and you get reimbursements for out-of-network ATM fees.

Where it is: Nearly 2,200 branches in 24 states—mostly in the eastern half of the country—and Washington, D.C. With its acquisition of BBVA USA, PNC gains hundreds of branches in does chase charge for cashiers checks Sun Belt, too. Terms and rates are for Pittsburgh.

PNC integrates money-management tools into the structure of its accounts through the Virtual Wallet program. It combines a Spend checking account for everyday transactions, an additional Reserve checking account to put aside extra funds for short-term goals, and a Growth savings account for long-term goals. To further help you stay on top of spending, PNC offers digital tools that allow you to create budgeting categories, receive alerts to see whether you are staying on track, and set savings goals.

The standard Virtual Wallet package waives the $7 monthly fee if you have a $500 bank of america 1800 number credit card direct deposit into Spend, a combined $500 balance in Spend and Reserve, or if you’re does chase charge for cashiers checks or older. You can make two out-of-network ATM withdrawals monthly without charge from PNC, and PNC reimburses up to $5 a month in ATM fees from other financial institutions. Virtual Wallet With Performance Spend and Virtual Wallet With Performance Select impose higher minimums to waive the monthly fee, but they bump up the number of ATM fee waivers from PNC and provide higher fee reimbursements. They also include free paper statements and cashier’s checks. PNC offers a free Virtual Wallet Student package, too.

Qualifying for a relationship rate gets you the best yields on PNC’s savings options. If you have a Virtual Wallet With Performance Select Growth account and meet certain monthly requirements, you get a 0.05% rate on most balances instead of the standard 0.01%. CD rates recently topped out at 0.05% for a promotional nine-month term with a $25,000 minimum (0.04% with a $1,000 deposit). Clients who want wealth management can get help with financial planning, investments, and trusts and estates. The Private Client program (you must have $50,000 or more in PNC deposits) comes with a relationship management team, priority customer service and financial planning.

Continue Reading
  • 1

    The Best Bank for Your, 2021Check out our list of the best candidates for your next financial institution based on interest rates, fees and other features.

  • 2

    Best National Banks - currently readingThese large institutions have hundreds (or thousands) of branches in a number of states, making them good choices if you prefer in-person service. They also have robust mobile and digital tools, and all offer peer-to-peer payments with Zelle.

  • 3

    Best Internet BanksBanks that operate primarily online have lower overhead costs than those with brick-and-mortar branches, which translates into lower fees and higher interest rates. These institutions make it easy to bank from home or on the go with mobile apps and remote check deposit.

  • 4

    Best Credit UnionsCredit unions are not-for-profit institutions owned by their members. These three credit unions provide open membership to anyone in the U.S.

  • 5

    Best Banks for High-Net-Worth FamiliesThese banks give you the royal treatment if you keep a big balance in deposit and investment accounts. They also have a nationwide branch presence and provide wealth-management services.

  • 6

    Best Banks for RetireesWith these banks, retirees benefit from low or no minimum-balance requirements, free checks and paper statements, and access to investment and wealth-management services.

  • 7

    Best Banks for Parents With KidsKids learn the ropes of banking with dedicated checking and savings accounts from these online banks, and parents have impressive options for their own needs, too.

Источник: https://www.kiplinger.com/personal-finance/banking/603003/the-best-bank-for-you/best-national-banks

5 Replies to “Does chase charge for cashiers checks”

  1. Mine says "The amount you requested doesn't cover the fee. Please withdraw more money." I'm not sure what to do I'm trying to withdraw $20 and I don't understand the problem because the fee is only $0.22.

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