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Denise S | I just received a inheritence check for $12,000.00. I have bad credit, Banks won't cash it, who will? |
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mycredit wealth,com
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Either take it to the bank its from or go to walmart open a checking account at their bank (they don't pull credit) and deposit the check. Might take a week or so. |
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fruitie7
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If your bank won't cash it, try the bank that the check is drawn on. |
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Mike
 |
Do you personally know the relative who died? This sounds like a scam.
If it is not a scam, DEPOSIT the check. No one will cash it. Deposit it into a savings account if you have to.
If it is a scam, it could take 6 months to bounce.... and in that case, if the money is not in your account, you can be arrested for fraud, and in all cases, there will be fee's if it bounces. |
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Drifter
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First off, read www.fakechecks.org
Second, the bank it's drawn on must cash it, it's it's legitimate. They have the signature card, they can verify it. Have you called them to verify it?
Second, your bank will deposit it and may hold it. Typically $100 will be available that day or next day. $5000 day after and the rest after 5 days.
Third, if you have no bank and you have no bank because you're on chexsystems or another reporting agency there are banks that will still give you an account and process this for you but may extend the hold. WaMu(www.wamu.com) is one(but their customer service is horrible) If you live near Pittsburgh or Cleveland, Dollar Bank(www.dollarbank.com) is another. Wachovia is yet another. All three of these banks and almost any bank no matter what will require that you are on chexsystems simply for overdrafts you did not pay back and not for a security issue(fraud, kiting, abuse)
If you are on chexsystems for a security issue my suggestion would be to go to the bank its drawn on or try to open a short term cd. 1month - 3 months. Better to have the money in 3 months than wait for the check to stale date. and you'd earn some interest. Most banks don't check chexsystems for Time Deposits |
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Arica
 |
Whichever bank the check is drawn off of is obligated to cash it for you. They may want to charge you for this service. It shouldn't be much. You'll want to provide identification and give them a couple days notice since it's such a large amount. If you have a checking account somewhere I would highly reccommend taking it to your own bank and depositing it. They will probably put a hold on it so you won't have immediate availability but it would be for the best. |
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happyjack
 |
Some of the payday check cashing places also cash checks of all kinds. They often charge a fee though. |
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lisa s
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If you have a bankruptcy and horrible credit, a bank can still cash this check.
You might have to start a savings account but SO WHAT
open a savings account at your local bank and deposit this check.
If you have to wait a month to get at the money, who cares...it is not like this money was a paycheck.
consider it a blessing and use the time while waiting for it to clear to figure out how you are going to get your credit problems straightenedout.
Also
is the 'check' from someone you know.
I know you said that it was an inheritence but alot of people on the interent are offering 'inheritence' checks from people that were long lost relatives...these 'checks' require immediate cashing and sending 'taxes' to the sender.
Please do not fall for this.. if this is the case and the money is from someone you NEVER heard of
WAIT before you spend this money
your FREEDOM could depend on it
if this check turns out to be fake, your bad credit will be the least of your problems |
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Tracker
 |
Great, every spammer on this board will be here offering you help.
BTW, that sounds like a load of codswallop to me. A bank cashes a check and then waits to see if it will clear, they can put a hold on it if they like. They won't even let you open an account with it? Not any bank, anywhere? That doesn't sound right. |
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EnglishDenis
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Sign it then let one of your family members deposit it to their account. |
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