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turtle777 · Dec 1, 2006, 06:34 PM

USAA has a great new service: Deposit@Home.
You scan your checks and they get deposited the same day. No need to send in check by mail.

Originally Posted by USAA

Make fast, easy, and secure deposits to your USAA deposit account any time. Here's how it works

Ready. Enter the amount of the check and select the account to receive the deposit.

Set. Endorse your check with "For deposit only to USAA FSB account number [your account number]." Then follow the prompts to scan the front and back in two easy steps.

Done. Deposits received before 8:00 p.m. CT on a business day are credited that same day; deposits received after 8:00 p.m. CT are credited the next business day.

Tried it yesterday for the first time, worked great

Just brilliant. That's what I call customer service.

-t

Railroader · Dec 1, 2006, 06:41 PM

I had no idea this was legal.

I have often had a check sit on my desk for months simply because I was too busy to deposit it or remembered to go when the bank was open.

The only downside I see is that I can't stand using scanners.

kman42 · Dec 1, 2006, 07:16 PM

Doesn't work with Macs, right? I've been excited about it, but their site says "Mac support coming soon".

Did you use Parallels or Boot Camp or (gasp) a PC?

kman

turtle777 · Dec 1, 2006, 07:48 PM

Virtual PC. Worked like a charm, even on my slow G4 mini.

-t

turtle777 · Dec 1, 2006, 07:51 PM

Originally Posted by Railroader

I had no idea this was legal.

Well, all the bank would do is scan the check and then submit the EFT electronically.

I'm sure they are not keeping paper copies of all the checks. The have it fiched somewhere. So essentially, you are just doing their scanning job.

-t

kman42 · Dec 1, 2006, 08:00 PM

I think the real electronic transfer of funds between banks started up a year or so ago. I remember something about it in the news. Before they had to send the paper checks? I can't remember exactly what the story was. Anyone else remember?

I heard a couple weeks ago that some ATMs will soon just scan and then destroy checks when you make a deposit, eliminating the need for the deposit envelope.

kman

turtle777 · Dec 1, 2006, 08:03 PM

Maybe, in 20 years, the US will be at the standard of Europe in 200); no more checks, all electronic transfers at no cost.

Gotta hate checks. Quite an inefficient way of transmitting money.

-t

Blasphemy · Dec 2, 2006, 12:04 AM

The law is called Check 21. It gives scanned images of checks the same legal standing as hard copies.

turtle777 · Dec 3, 2006, 01:11 AM

Originally Posted by Blasphemy

The law is called Check 21. It gives scanned images of checks the same legal standing as hard copies.

Ah, good to know. Thanks for the info

-t

Targuman · Dec 24, 2006, 02:15 PM

I have been doing this through Parallels but I am eager for Mac support. Any work arounds?

Eug Wanker · Dec 24, 2006, 02:17 PM

Originally Posted by what_the_heck

The have it fiched somewhere.

I doubt it.

turtle777 · Dec 24, 2006, 10:07 PM

Originally Posted by Eug Wanker

I doubt it.

Well, yeah, e-fiche

-t

Blasphemy · Dec 24, 2006, 10:15 PM

pretty cool option

turtle777 · Dec 24, 2006, 10:17 PM

Yeah, I just scanned my second check yesterday. Was deposited into my account at once. Just great.

-t

effgee · Dec 24, 2006, 10:19 PM

Sure beats tossing a pigeon out the window every time you need to deposit a check. But c'mon already ... checks???

turtle777 · Dec 24, 2006, 10:24 PM

Originally Posted by effgee

Sure beats tossing a pigeon out the window every time you need to deposit a check. But c'mon already ... checks???

Schon klar, Alter.

Aber mach den Amis mal klar dass sie banktechnisch noch im 19 Jahrhundert sind. Glaubt dir ja keiner

-t

effgee · Dec 24, 2006, 10:31 PM

True that. Ich kann mich nicht einmal mehr daran erinnern wann ich in DE zum letzten Mal einen Scheck ausgestellt habe ... das ist mindestens schon 20 Jahre her. "Überweisung for president", or something like that.

turtle777 · Dec 24, 2006, 10:38 PM

Ich habe in meinem deutschen Leben nur einmal einen Scheck benutzt, aber mehr aus Jux, weil ich wissen wollte, ob das wirklich funktioniert. War aber auch im letzten Jahrtausend.

-t

Blasphemy · Dec 24, 2006, 11:13 PM

German is teh suX0r

effgee · Dec 24, 2006, 11:20 PM

And your point being ... what again?

turtle777 · Dec 24, 2006, 11:23 PM

Originally Posted by Blasphemy

German is teh suX0r

Danke fuer den Beitrag ueber deinem Niveau.

-t

zwiebel_ · Dec 24, 2006, 11:46 PM

Originally Posted by Blasphemy
German is teh suX0r

Originally Posted by turtle777

Danke fuer den Beitrag ueber deinem Niveau.

-t

Was für einen Niveau? Manche auf diesen Foren krabbeln doch noch immer im schlam herum.

turtle777 · Dec 24, 2006, 11:51 PM

Originally Posted by zwiebel_

Was für einen Niveau? Manche auf diesen Foren krabbeln doch noch immer im schlam herum.

Nix krabbeln, der ist noch am schwimmen...

-t