Paycheck to Paycheck

[TimenOmore]

Mu'urs! Stop giving your hard earned cash to these check cashing institutions built all over our neighborhoods for the purpose of STEALING your money. You won't see this Mzungu crap in wyte neighborhoods. I understand that some of our people who have jobs that are less than adequate for daily maintenance believe they have no choice but to run and get their money instantly from these carpetbaggers. No more. Here is what you do. Make your next check your last give away to these schiesters. When you have your cash in hand run do not walk to one of the larger banks, (PNC, National City, Society etc.). Open a free checking account with the minimum deposit usually $10. The bank will issue you a set of starter checks on the spot. They will give you a bank card that you will be able to use as a debit/credit card. The card should arrive to you in 2 weeks. Now warning. Spend the rest of your paycheck as you would normally. Do not write checks yet. When you receive your next paycheck deposit it into your new checking account. From then on you will be able to write checks or use your debit/credit card on ALL YOUR MONEY for most purchases. (Some establishments sadly still only take cash.) For cash you are now free to use your debit/credit card at ANY fast cashier machine. Continue to deposit your paychecks into your account. Keep a good record of how much money is in your account. Do not write checks for more than what is in your account or you will go to jail. And never give these thieves (check cashing) one more dime of your well-deserved, cold hard cash! EXODUS!

[Guest]

That is one solution to this problem and we appreciate it. However as we know, some of us don't have credit good enough to open a free checking account at a bank. To that I would suggest we setup our own 'check cashing' company. Why can't a group of bright college educated black youth, sit down together (with some black advisors) and create a company that provide all the services that the current check cashing places offer? Like really, it's about time we learn to use our talents and people to create the services and other things we need.

[PoliteMight]

Here is my problem. What does the bank gets from you when you cash your check???

Honestly banks I have went to have been disrespectful towards me.

Wamu was my first bank. They got brought by Chase and soon became a Chase nightmare. With mostly women investors in small businesses to elderly, and older women.
I had the problem with CHASE forcing a dual account on me. So I closed it.

Then I wanted a bank that had nothing to do with regular banks. Eastwest ( a Chinese bank ) was my answer. But they got absorbed into another Bank. A banker randomly called me to close my account. It is like they did not want me to have any account there at all.

Then I went to DIME banking. It was great ( until recently they merged with another Bank ).


Honestly till this day I cash my paycheck at the cash-checking places. I enjoy the look they get when they see my OT. That pause of an person who greying looking at you and then looking at the check and then looking at you and a minute almost pass by. I enjoy some of people there. I go to a bank and I feel the person behind the counter might be hitting on me, and I do not like them asking me to update my account once it hits a certain amount. From now on I just deposit.

Honestly you talk racist bs about whit-e. I knew people who was white and they just cashed in their check ASAP the moment they get it.

Yes I know maybe a credit union would be better but honestly I feel very violated from going to some of the banks I mentioned. I feel horrified. This is not a tip. I truly hate banks, I do not mind being robbed my pennies just not to cash anything from a bank. I prefer to make my money-orders at the USPS at least.

As for DEBIT card R$#$$@$ the bank. I rather go to a lame pre-paid rob-a-thon card. They all are the same. Some claim to be banks but are their to take advantage of people.

Yes I admit I could have saved hundreds of dollars doing what the OP said. I just feel traumatized knowing that nothing is for free. So I ask.

What are the banks getting for me cashing my checks and using a Debit card?

[jboldeniv]

Here is my problem. What does the bank gets from you when you cash your check???

Honestly banks I have went to have been disrespectful towards me.

Wamu was my first bank. They got brought by Chase and soon became a Chase nightmare. With mostly women investors in small businesses to elderly, and older women.
I had the problem with CHASE forcing a dual account on me. So I closed it.

Then I wanted a bank that had nothing to do with regular banks. Eastwest ( a Chinese bank ) was my answer. But they got absorbed into another Bank. A banker randomly called me to close my account. It is like they did not want me to have any account there at all.

Then I went to DIME banking. It was great ( until recently they merged with another Bank ).


Honestly till this day I cash my paycheck at the cash-checking places. I enjoy the look they get when they see my OT. That pause of an person who greying looking at you and then looking at the check and then looking at you and a minute almost pass by. I enjoy some of people there. I go to a bank and I feel the person behind the counter might be hitting on me, and I do not like them asking me to update my account once it hits a certain amount. From now on I just deposit.

Honestly you talk racist bs about whit-e. I knew people who was white and they just cashed in their check ASAP the moment they get it.

Yes I know maybe a credit union would be better but honestly I feel very violated from going to some of the banks I mentioned. I feel horrified. This is not a tip. I truly hate banks, I do not mind being robbed my pennies just not to cash anything from a bank. I prefer to make my money-orders at the USPS at least.

As for DEBIT card R$#$$@$ the bank. I rather go to a lame pre-paid rob-a-thon card. They all are the same. Some claim to be banks but are their to take advantage of people.

Yes I admit I could have saved hundreds of dollars doing what the OP said. I just feel traumatized knowing that nothing is for free. So I ask.

What are the banks getting for me cashing my checks and using a Debit card?

So, you don't have a bank account?

[PoliteMight]

I do but I do not like to cash the check their and then. I understand the need for that. I understand I could save some dollars.But again it is not a race thing, I just could careless anymore.

..........


Most banks could only care about you having a job and put money in mindlessly not thinking about the over all business. Because we are just one spec of a customer. I am so sick of seeing these people. The tellers, managers who think they own you, bankers who looks down on you or thinks your dumb.

I am one of those sad people who have their money hidden away nearby. I use it to invest or buy something when I am ready. To me a bank is just a gateway to another account or even for buying a house or car or something like that.

[jboldeniv]

I see.