<article>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#article10_03_16_0027217</id>
	<title>Deposit Checks To Your Bank By Taking a Photo</title>
	<author>kdawson</author>
	<datestamp>1268743800000</datestamp>
	<htmltext><a href="http://hughpickens.com/" rel="nofollow">Pickens</a> writes <i>"The Mercury News reports that consumers will soon be able to <a href="http://www.siliconvalley.com/ci\_14455307">deposit a check by snapping a photo of it with a cell phone</a> and transmitting an encrypted copy to their bank. Although some critics contend paperless deposits are an attempt by the banking industry to eliminate 'float,' the standard one- or two-day waiting period between the time someone writes a check and the time the money is actually taken out of their account, actually remote-deposit capture started out as a way for big companies and financial institutions to <a href="http://en.wikipedia.org/wiki/Remote\_deposit">process huge numbers of checks without having to ship them around the country</a>. 'Our customers are becoming more and more tech-savvy,' said an SVP for mobile banking at Citibank. 'We're trying to support those people on the go.' Although the process adds a new wrinkle to concerns about fraud and the privacy of financial data, banks and the technology companies helping them say they have largely overcome these concerns. Another bank SVP said, 'For many institutions struggling to raise deposits and differentiate, this is <a href="http://www.banktech.com/payments-cards/showArticle.jhtml;jsessionid=ZI2SBI3ABBOW1QE1GHOSKH4ATMY32JVN?articleID=209400676&amp;\_requestid=570625">an outstanding offering they can roll out inexpensively</a> [note: interstitial]. It's a sticky product.'"</i></htmltext>
<tokenext>Pickens writes " The Mercury News reports that consumers will soon be able to deposit a check by snapping a photo of it with a cell phone and transmitting an encrypted copy to their bank .
Although some critics contend paperless deposits are an attempt by the banking industry to eliminate 'float, ' the standard one- or two-day waiting period between the time someone writes a check and the time the money is actually taken out of their account , actually remote-deposit capture started out as a way for big companies and financial institutions to process huge numbers of checks without having to ship them around the country .
'Our customers are becoming more and more tech-savvy, ' said an SVP for mobile banking at Citibank .
'We 're trying to support those people on the go .
' Although the process adds a new wrinkle to concerns about fraud and the privacy of financial data , banks and the technology companies helping them say they have largely overcome these concerns .
Another bank SVP said , 'For many institutions struggling to raise deposits and differentiate , this is an outstanding offering they can roll out inexpensively [ note : interstitial ] .
It 's a sticky product .
' "</tokentext>
<sentencetext>Pickens writes "The Mercury News reports that consumers will soon be able to deposit a check by snapping a photo of it with a cell phone and transmitting an encrypted copy to their bank.
Although some critics contend paperless deposits are an attempt by the banking industry to eliminate 'float,' the standard one- or two-day waiting period between the time someone writes a check and the time the money is actually taken out of their account, actually remote-deposit capture started out as a way for big companies and financial institutions to process huge numbers of checks without having to ship them around the country.
'Our customers are becoming more and more tech-savvy,' said an SVP for mobile banking at Citibank.
'We're trying to support those people on the go.
' Although the process adds a new wrinkle to concerns about fraud and the privacy of financial data, banks and the technology companies helping them say they have largely overcome these concerns.
Another bank SVP said, 'For many institutions struggling to raise deposits and differentiate, this is an outstanding offering they can roll out inexpensively [note: interstitial].
It's a sticky product.
'"</sentencetext>
</article>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495288</id>
	<title>Re:Floating dowm profit river</title>
	<author>hal2814</author>
	<datestamp>1268753220000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>"The bankers call "float" a scam, are all bankers scam artists?"</p><p>If I get my deposit in by 2PM at my bank, funds are immediately available.  If I make my deposit after 2PM and need the money immediately for some reason, I can talk to the branch manager and make that happen (which I have done before).  If your bank is scamming you, maybe you should shop for a new one.</p></htmltext>
<tokenext>" The bankers call " float " a scam , are all bankers scam artists ?
" If I get my deposit in by 2PM at my bank , funds are immediately available .
If I make my deposit after 2PM and need the money immediately for some reason , I can talk to the branch manager and make that happen ( which I have done before ) .
If your bank is scamming you , maybe you should shop for a new one .</tokentext>
<sentencetext>"The bankers call "float" a scam, are all bankers scam artists?
"If I get my deposit in by 2PM at my bank, funds are immediately available.
If I make my deposit after 2PM and need the money immediately for some reason, I can talk to the branch manager and make that happen (which I have done before).
If your bank is scamming you, maybe you should shop for a new one.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494096</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495078</id>
	<title>Re:USAA has been doing this for years</title>
	<author>Anonymous</author>
	<datestamp>1268752440000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I've been using their Deposit@Mobile app for the iPhone to deposit checks like this for about six months now. It works great and I don't see any security issues with it. The check images are not stored on the phone after the deposit is processed.</p><p>I just take a front and back photo and tap "Deposit". It uploads the images, gives me a confirmation number, and I write void across the check. Haven't had a problem yet.</p></htmltext>
<tokenext>I 've been using their Deposit @ Mobile app for the iPhone to deposit checks like this for about six months now .
It works great and I do n't see any security issues with it .
The check images are not stored on the phone after the deposit is processed.I just take a front and back photo and tap " Deposit " .
It uploads the images , gives me a confirmation number , and I write void across the check .
Have n't had a problem yet .</tokentext>
<sentencetext>I've been using their Deposit@Mobile app for the iPhone to deposit checks like this for about six months now.
It works great and I don't see any security issues with it.
The check images are not stored on the phone after the deposit is processed.I just take a front and back photo and tap "Deposit".
It uploads the images, gives me a confirmation number, and I write void across the check.
Haven't had a problem yet.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494198</id>
	<title>so i was at the newsstand</title>
	<author>Anonymous</author>
	<datestamp>1268748720000</datestamp>
	<modclass>Redundant</modclass>
	<modscore>0</modscore>
	<htmltext><p>and this guy whips out this fat roll of cash and drops a $100 to pay for a 25 cent newspaper. while the attendant was yelling at the guy that he couldn't take anything that large, i whipped out my iPhone and snapped a quick pic of the guy's cash wad, and 25 seconds later i had $5,230 in my checking account! woohoo!</p></htmltext>
<tokenext>and this guy whips out this fat roll of cash and drops a $ 100 to pay for a 25 cent newspaper .
while the attendant was yelling at the guy that he could n't take anything that large , i whipped out my iPhone and snapped a quick pic of the guy 's cash wad , and 25 seconds later i had $ 5,230 in my checking account !
woohoo !</tokentext>
<sentencetext>and this guy whips out this fat roll of cash and drops a $100 to pay for a 25 cent newspaper.
while the attendant was yelling at the guy that he couldn't take anything that large, i whipped out my iPhone and snapped a quick pic of the guy's cash wad, and 25 seconds later i had $5,230 in my checking account!
woohoo!</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494482</id>
	<title>Re:Floating dowm profit river</title>
	<author>Lumpy</author>
	<datestamp>1268750220000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><i>The bankers call "float" a scam, are all bankers scam artists?</i></p><p>without a doubt, yes. That is one solid fact of life, rule 1 about life.  NEVER EVER trust your bank, always look at them with distrust.  The ONLY person you can trust with your money is you.</p></htmltext>
<tokenext>The bankers call " float " a scam , are all bankers scam artists ? without a doubt , yes .
That is one solid fact of life , rule 1 about life .
NEVER EVER trust your bank , always look at them with distrust .
The ONLY person you can trust with your money is you .</tokentext>
<sentencetext>The bankers call "float" a scam, are all bankers scam artists?without a doubt, yes.
That is one solid fact of life, rule 1 about life.
NEVER EVER trust your bank, always look at them with distrust.
The ONLY person you can trust with your money is you.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494096</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494356</id>
	<title>Re:Photoshop?</title>
	<author>WyrdOne</author>
	<datestamp>1268749620000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Simple, funds really aren't in your account till money is transferred from the check writers account. If you, the consumer, is accepting a check it's your legal obligation to trust the person writing it.</p><p>Checks are a form of "I trust that you have the money in your account and it will be transferred from your financial institution to mine in a timely manner." If you don't trust the person writing you a check, don't accept it and only accept cash.</p></htmltext>
<tokenext>Simple , funds really are n't in your account till money is transferred from the check writers account .
If you , the consumer , is accepting a check it 's your legal obligation to trust the person writing it.Checks are a form of " I trust that you have the money in your account and it will be transferred from your financial institution to mine in a timely manner .
" If you do n't trust the person writing you a check , do n't accept it and only accept cash .</tokentext>
<sentencetext>Simple, funds really aren't in your account till money is transferred from the check writers account.
If you, the consumer, is accepting a check it's your legal obligation to trust the person writing it.Checks are a form of "I trust that you have the money in your account and it will be transferred from your financial institution to mine in a timely manner.
" If you don't trust the person writing you a check, don't accept it and only accept cash.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494148</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494772</id>
	<title>Re:USAA has been doing this for years</title>
	<author>ArtemaOne</author>
	<datestamp>1268751420000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>They don't require a credit card.  They require two services, so if you do banking and car insurance for example, that would work.</htmltext>
<tokenext>They do n't require a credit card .
They require two services , so if you do banking and car insurance for example , that would work .</tokentext>
<sentencetext>They don't require a credit card.
They require two services, so if you do banking and car insurance for example, that would work.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494626</id>
	<title>Re:Interesting stopgap</title>
	<author>flyingfsck</author>
	<datestamp>1268750940000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Uhmm, you don't have something like Interac Email funds transfer in the USA?  You probaby do have it, but just don't know about it.</htmltext>
<tokenext>Uhmm , you do n't have something like Interac Email funds transfer in the USA ?
You probaby do have it , but just do n't know about it .</tokentext>
<sentencetext>Uhmm, you don't have something like Interac Email funds transfer in the USA?
You probaby do have it, but just don't know about it.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494254</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31498262</id>
	<title>USAA Also Allows iPhone Deposits</title>
	<author>pgrady7</author>
	<datestamp>1268764020000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>2</modscore>
	<htmltext>USAA allows account holders to take a picture of a check with an iPhone and has for about a year.  Now if I only had an iPhone... .</htmltext>
<tokenext>USAA allows account holders to take a picture of a check with an iPhone and has for about a year .
Now if I only had an iPhone... .</tokentext>
<sentencetext>USAA allows account holders to take a picture of a check with an iPhone and has for about a year.
Now if I only had an iPhone... .</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31496398</id>
	<title>Re:It must be at least 10 years ago</title>
	<author>TheThiefMaster</author>
	<datestamp>1268757480000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I pay my rent by a standing order directly into my landlady's bank account, which I set up through my bank's online banking. All of this (the bank account, online banking, standing orders, direct money transfers) are free.</p><p>If this is not true in the US, the US banks are backward.</p></htmltext>
<tokenext>I pay my rent by a standing order directly into my landlady 's bank account , which I set up through my bank 's online banking .
All of this ( the bank account , online banking , standing orders , direct money transfers ) are free.If this is not true in the US , the US banks are backward .</tokentext>
<sentencetext>I pay my rent by a standing order directly into my landlady's bank account, which I set up through my bank's online banking.
All of this (the bank account, online banking, standing orders, direct money transfers) are free.If this is not true in the US, the US banks are backward.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494344</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494986</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>will\_die</author>
	<datestamp>1268752140000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>As an American living in Europe please, please, please give me US style checks the Europian systems suck.<br>
Here when I want to pay a bill or send money to a club I have to go to the bank or some banks are now doing on-line forms, where I have to provide the routing number, account number and bank name of the account I want to send money to.  Luckly most of the time this is preprinted for you.  Then most banks charge you the equivalent of US$2-$3 for doing this, some service plans or have a large balance at lower then US interest rates give you it for free.  I then have to keep track for 6 months to a year just to verify that everything was properly approved, bank recommendations since they have to many complains of the receiving banks or companies not providing proper credit.
<br>
With a US check system I would of just given or mailed them the check then they have instant proof that I paid and it is up to them to deposit the check and the money does not get withdrawn until they do which give me a check, as opposed to the system over here in Europe where the money gets withdrawn the instant they process my request.
<br>
BTW,this works for banking done in country, but once I want to pay for something in a different country the routing numbers don't work so I have to switch to wiring money.<br>
The only thing worse is the system for paying utilities, I have lived in 3 places only one of them actually had a system to automaticly withdrawn the exact amount I owed them each money.  For the others I have to make to setup an automatic payment of what I guess it will be then once a year we reconsile.  It is really going to suck this year because of the cold temperatures last summer and this winter.</htmltext>
<tokenext>As an American living in Europe please , please , please give me US style checks the Europian systems suck .
Here when I want to pay a bill or send money to a club I have to go to the bank or some banks are now doing on-line forms , where I have to provide the routing number , account number and bank name of the account I want to send money to .
Luckly most of the time this is preprinted for you .
Then most banks charge you the equivalent of US $ 2- $ 3 for doing this , some service plans or have a large balance at lower then US interest rates give you it for free .
I then have to keep track for 6 months to a year just to verify that everything was properly approved , bank recommendations since they have to many complains of the receiving banks or companies not providing proper credit .
With a US check system I would of just given or mailed them the check then they have instant proof that I paid and it is up to them to deposit the check and the money does not get withdrawn until they do which give me a check , as opposed to the system over here in Europe where the money gets withdrawn the instant they process my request .
BTW,this works for banking done in country , but once I want to pay for something in a different country the routing numbers do n't work so I have to switch to wiring money .
The only thing worse is the system for paying utilities , I have lived in 3 places only one of them actually had a system to automaticly withdrawn the exact amount I owed them each money .
For the others I have to make to setup an automatic payment of what I guess it will be then once a year we reconsile .
It is really going to suck this year because of the cold temperatures last summer and this winter .</tokentext>
<sentencetext>As an American living in Europe please, please, please give me US style checks the Europian systems suck.
Here when I want to pay a bill or send money to a club I have to go to the bank or some banks are now doing on-line forms, where I have to provide the routing number, account number and bank name of the account I want to send money to.
Luckly most of the time this is preprinted for you.
Then most banks charge you the equivalent of US$2-$3 for doing this, some service plans or have a large balance at lower then US interest rates give you it for free.
I then have to keep track for 6 months to a year just to verify that everything was properly approved, bank recommendations since they have to many complains of the receiving banks or companies not providing proper credit.
With a US check system I would of just given or mailed them the check then they have instant proof that I paid and it is up to them to deposit the check and the money does not get withdrawn until they do which give me a check, as opposed to the system over here in Europe where the money gets withdrawn the instant they process my request.
BTW,this works for banking done in country, but once I want to pay for something in a different country the routing numbers don't work so I have to switch to wiring money.
The only thing worse is the system for paying utilities, I have lived in 3 places only one of them actually had a system to automaticly withdrawn the exact amount I owed them each money.
For the others I have to make to setup an automatic payment of what I guess it will be then once a year we reconsile.
It is really going to suck this year because of the cold temperatures last summer and this winter.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494268</id>
	<title>Re:Checks</title>
	<author>Aladrin</author>
	<datestamp>1268749080000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I pay my credit card by logging into my bank's site and clicking 'transfer funds'.  It works just like a regular account, except that I can only push money to it, not draw from it.</p><p>This was actually my only criteria for picking my existing bank.  I never have to write a check or visit the bank, except the odd instance when I end up with a physical check from someone else.  It says a ton of my time.  And theirs.</p><p>So yes, some banks might choose to go the fees route that you're outlined above, but at least 1 bank is already doing it without the fees.</p><p>Oh, and as a bonus, that credit card is hooked to my overdraft protection.  There's a fee when it happens, and I'm sure the interest on the amount is insane, but since it's for emergencies only, that's fine.</p></htmltext>
<tokenext>I pay my credit card by logging into my bank 's site and clicking 'transfer funds' .
It works just like a regular account , except that I can only push money to it , not draw from it.This was actually my only criteria for picking my existing bank .
I never have to write a check or visit the bank , except the odd instance when I end up with a physical check from someone else .
It says a ton of my time .
And theirs.So yes , some banks might choose to go the fees route that you 're outlined above , but at least 1 bank is already doing it without the fees.Oh , and as a bonus , that credit card is hooked to my overdraft protection .
There 's a fee when it happens , and I 'm sure the interest on the amount is insane , but since it 's for emergencies only , that 's fine .</tokentext>
<sentencetext>I pay my credit card by logging into my bank's site and clicking 'transfer funds'.
It works just like a regular account, except that I can only push money to it, not draw from it.This was actually my only criteria for picking my existing bank.
I never have to write a check or visit the bank, except the odd instance when I end up with a physical check from someone else.
It says a ton of my time.
And theirs.So yes, some banks might choose to go the fees route that you're outlined above, but at least 1 bank is already doing it without the fees.Oh, and as a bonus, that credit card is hooked to my overdraft protection.
There's a fee when it happens, and I'm sure the interest on the amount is insane, but since it's for emergencies only, that's fine.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494078</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494112</id>
	<title>USAA</title>
	<author>Anonymous</author>
	<datestamp>1268748360000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Been doing this with USAA for months now with their iPhone app....</p></htmltext>
<tokenext>Been doing this with USAA for months now with their iPhone app... .</tokentext>
<sentencetext>Been doing this with USAA for months now with their iPhone app....</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31498006</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>doktor-hladnjak</author>
	<datestamp>1268762940000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Three things come to mind from my years living in Germany (may or may not be applicable to other European countries):
<ol>
<li>Dental care</li><li>Accomodations for the disabled</li><li>Smoking (this is changing quickly across Europe though now)</li></ol></htmltext>
<tokenext>Three things come to mind from my years living in Germany ( may or may not be applicable to other European countries ) : Dental careAccomodations for the disabledSmoking ( this is changing quickly across Europe though now )</tokentext>
<sentencetext>Three things come to mind from my years living in Germany (may or may not be applicable to other European countries):

Dental careAccomodations for the disabledSmoking (this is changing quickly across Europe though now)</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494140</id>
	<title>Been using it for 6mos</title>
	<author>Anonymous</author>
	<datestamp>1268748480000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>3</modscore>
	<htmltext><p>I have had this option with usaa.com for almost a year now, and it's GREAT.  As for the photo, it is NOT saved in your phone, ever.  Once the bank accepts the images, it instructs you to write VOID on the check and shredd it.  Quite nice to be able to drop a check in within minutes of receiving it, and use it too!</p></htmltext>
<tokenext>I have had this option with usaa.com for almost a year now , and it 's GREAT .
As for the photo , it is NOT saved in your phone , ever .
Once the bank accepts the images , it instructs you to write VOID on the check and shredd it .
Quite nice to be able to drop a check in within minutes of receiving it , and use it too !</tokentext>
<sentencetext>I have had this option with usaa.com for almost a year now, and it's GREAT.
As for the photo, it is NOT saved in your phone, ever.
Once the bank accepts the images, it instructs you to write VOID on the check and shredd it.
Quite nice to be able to drop a check in within minutes of receiving it, and use it too!</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495156</id>
	<title>Re:Interesting stopgap</title>
	<author>rapiddescent</author>
	<datestamp>1268752740000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>the idea of transferring money electronically is totally accepted here in the UK.</p><p>I bought a car off an old couple - I turned up, drove it, liked it made them an offer and then went back to to their home, had a cup of tea and logged into my ebanking system and transferred the money to their bank account. I have a pocket sized two factor authentication device that I slide my debit card into and type the pin for verification.  I log off, the old boy logs in and hey presto - the money is in his account.   I don't need to carry cash, he doesn't need to worry about a cheque bouncing or a trip to the bank.</p></htmltext>
<tokenext>the idea of transferring money electronically is totally accepted here in the UK.I bought a car off an old couple - I turned up , drove it , liked it made them an offer and then went back to to their home , had a cup of tea and logged into my ebanking system and transferred the money to their bank account .
I have a pocket sized two factor authentication device that I slide my debit card into and type the pin for verification .
I log off , the old boy logs in and hey presto - the money is in his account .
I do n't need to carry cash , he does n't need to worry about a cheque bouncing or a trip to the bank .</tokentext>
<sentencetext>the idea of transferring money electronically is totally accepted here in the UK.I bought a car off an old couple - I turned up, drove it, liked it made them an offer and then went back to to their home, had a cup of tea and logged into my ebanking system and transferred the money to their bank account.
I have a pocket sized two factor authentication device that I slide my debit card into and type the pin for verification.
I log off, the old boy logs in and hey presto - the money is in his account.
I don't need to carry cash, he doesn't need to worry about a cheque bouncing or a trip to the bank.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494254</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31496646</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>Anonymous</author>
	<datestamp>1268758140000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p><div class="quote"><p>&gt; I mean this as a genuine question: why is the US so far behind Europe in<br>&gt; this?</p><p>Because the USA was far ahead of adopting cheques to begin with.</p><p>Wire transfers are readily available here but I rarely use them.  Why should I?</p></div><p>Well, we were pretty early with the adoption of normal mail over here.</p><p>E-mail is readily available here, but I rarely use it. Why should I?</p></div>
	</htmltext>
<tokenext>&gt; I mean this as a genuine question : why is the US so far behind Europe in &gt; this ? Because the USA was far ahead of adopting cheques to begin with.Wire transfers are readily available here but I rarely use them .
Why should I ? Well , we were pretty early with the adoption of normal mail over here.E-mail is readily available here , but I rarely use it .
Why should I ?</tokentext>
<sentencetext>&gt; I mean this as a genuine question: why is the US so far behind Europe in&gt; this?Because the USA was far ahead of adopting cheques to begin with.Wire transfers are readily available here but I rarely use them.
Why should I?Well, we were pretty early with the adoption of normal mail over here.E-mail is readily available here, but I rarely use it.
Why should I?
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494194</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494542</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>flyingfsck</author>
	<datestamp>1268750580000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>In Canada one can do Interac email transfers for amounts up to $999.99.  Actually there is no limit, but hit $1000 and the bank 'loss prevention department' may freeze your account.  This service has been available for many years.  I also pay all my bills online, except for rent - that is the only service that wants cheques.  Then of course, there is also Paypal...

In the USA, similar services should be available, but they are always technologically behind the curve.  Somehow Amerikins always think that they lead the world, but the rest of world knows better...</htmltext>
<tokenext>In Canada one can do Interac email transfers for amounts up to $ 999.99 .
Actually there is no limit , but hit $ 1000 and the bank 'loss prevention department ' may freeze your account .
This service has been available for many years .
I also pay all my bills online , except for rent - that is the only service that wants cheques .
Then of course , there is also Paypal.. . In the USA , similar services should be available , but they are always technologically behind the curve .
Somehow Amerikins always think that they lead the world , but the rest of world knows better.. .</tokentext>
<sentencetext>In Canada one can do Interac email transfers for amounts up to $999.99.
Actually there is no limit, but hit $1000 and the bank 'loss prevention department' may freeze your account.
This service has been available for many years.
I also pay all my bills online, except for rent - that is the only service that wants cheques.
Then of course, there is also Paypal...

In the USA, similar services should be available, but they are always technologically behind the curve.
Somehow Amerikins always think that they lead the world, but the rest of world knows better...</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495656</id>
	<title>Because it costs a lot more</title>
	<author>Chemisor</author>
	<datestamp>1268754540000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Writing a check is the only way to transfer money for free. Online bill payment is basically writing a check that the bank prints and mails for you (I know because I had one returned to me once). A credit card is only good at a store, you can't pay to an individual, and it costs the store money to accept it (you don't know this because the store is required to eat the charge and not pass it on to you). Paypal requires your payee to have a paypal account, which is not always an option for nontechnical people, and there are small fees there too. A wire transfer is very expensive (~$25 paid by you to send, and the same amount charged to the receiver), so is not economical most of the time. Cash is bulky if you have to give a lot and you may get some attention from the FBI for "structuring withdrawals". A certified check is fast, but is also expensive, ~$20. That leaves checks, which are still free. Sure, the float sucks, but unless you want to pay, there is simply no way around it.</p></htmltext>
<tokenext>Writing a check is the only way to transfer money for free .
Online bill payment is basically writing a check that the bank prints and mails for you ( I know because I had one returned to me once ) .
A credit card is only good at a store , you ca n't pay to an individual , and it costs the store money to accept it ( you do n't know this because the store is required to eat the charge and not pass it on to you ) .
Paypal requires your payee to have a paypal account , which is not always an option for nontechnical people , and there are small fees there too .
A wire transfer is very expensive ( ~ $ 25 paid by you to send , and the same amount charged to the receiver ) , so is not economical most of the time .
Cash is bulky if you have to give a lot and you may get some attention from the FBI for " structuring withdrawals " .
A certified check is fast , but is also expensive , ~ $ 20 .
That leaves checks , which are still free .
Sure , the float sucks , but unless you want to pay , there is simply no way around it .</tokentext>
<sentencetext>Writing a check is the only way to transfer money for free.
Online bill payment is basically writing a check that the bank prints and mails for you (I know because I had one returned to me once).
A credit card is only good at a store, you can't pay to an individual, and it costs the store money to accept it (you don't know this because the store is required to eat the charge and not pass it on to you).
Paypal requires your payee to have a paypal account, which is not always an option for nontechnical people, and there are small fees there too.
A wire transfer is very expensive (~$25 paid by you to send, and the same amount charged to the receiver), so is not economical most of the time.
Cash is bulky if you have to give a lot and you may get some attention from the FBI for "structuring withdrawals".
A certified check is fast, but is also expensive, ~$20.
That leaves checks, which are still free.
Sure, the float sucks, but unless you want to pay, there is simply no way around it.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495386</id>
	<title>Re:I hate cheques!</title>
	<author>mdwh2</author>
	<datestamp>1268753580000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>If I wanted to give you money, you're able to accept debit/credit cards? Most people aren't able to do this, at least in the UK.</p></htmltext>
<tokenext>If I wanted to give you money , you 're able to accept debit/credit cards ?
Most people are n't able to do this , at least in the UK .</tokentext>
<sentencetext>If I wanted to give you money, you're able to accept debit/credit cards?
Most people aren't able to do this, at least in the UK.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494030</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31499320</id>
	<title>Re:Floating dowm profit river</title>
	<author>Delkster</author>
	<datestamp>1268767980000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>If the system is working properly, the banks are supposed to have business interest in not driving their customers away.</p><p>Of course they try to gain an advantage in every deal they make with you, requiring service fees etc., and you should look closely into the terms and compare with other banks. You know, exactly the same thing you should do as a customer in any business.</p><p>If you have other trouble trusting your bank with your money, something is wrong. Grossly cheating their customer is so far from their interests that they won't want to do that. If it's not, your system is horribly broken.</p></htmltext>
<tokenext>If the system is working properly , the banks are supposed to have business interest in not driving their customers away.Of course they try to gain an advantage in every deal they make with you , requiring service fees etc. , and you should look closely into the terms and compare with other banks .
You know , exactly the same thing you should do as a customer in any business.If you have other trouble trusting your bank with your money , something is wrong .
Grossly cheating their customer is so far from their interests that they wo n't want to do that .
If it 's not , your system is horribly broken .</tokentext>
<sentencetext>If the system is working properly, the banks are supposed to have business interest in not driving their customers away.Of course they try to gain an advantage in every deal they make with you, requiring service fees etc., and you should look closely into the terms and compare with other banks.
You know, exactly the same thing you should do as a customer in any business.If you have other trouble trusting your bank with your money, something is wrong.
Grossly cheating their customer is so far from their interests that they won't want to do that.
If it's not, your system is horribly broken.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494482</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31497068</id>
	<title>Re:Scanning a check exists now</title>
	<author>Anonymous</author>
	<datestamp>1268759520000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Switch your browser's user agent to imitate OS X.  You can then just upload JPGs instead of having the applet interact with the scanner.</p></htmltext>
<tokenext>Switch your browser 's user agent to imitate OS X. You can then just upload JPGs instead of having the applet interact with the scanner .</tokentext>
<sentencetext>Switch your browser's user agent to imitate OS X.  You can then just upload JPGs instead of having the applet interact with the scanner.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494028</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494242</id>
	<title>old news?</title>
	<author>Anonymous</author>
	<datestamp>1268749020000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>4</modscore>
	<htmltext>You can already do this at USAA Bank.  My sister has had this option for a few years now.  USAA has recently added the ability to snap a photo and make a deposit from your iPhone.</htmltext>
<tokenext>You can already do this at USAA Bank .
My sister has had this option for a few years now .
USAA has recently added the ability to snap a photo and make a deposit from your iPhone .</tokentext>
<sentencetext>You can already do this at USAA Bank.
My sister has had this option for a few years now.
USAA has recently added the ability to snap a photo and make a deposit from your iPhone.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495646</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>mdwh2</author>
	<datestamp>1268754540000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I'm in the UK, and cheques are still occasionally needed here.</p><p>As for why, give me answers to my questions at <a href="http://slashdot.org/comments.pl?sid=1583934&amp;cid=31494914" title="slashdot.org" rel="nofollow">http://slashdot.org/comments.pl?sid=1583934&amp;cid=31494914</a> [slashdot.org] .</p></htmltext>
<tokenext>I 'm in the UK , and cheques are still occasionally needed here.As for why , give me answers to my questions at http : //slashdot.org/comments.pl ? sid = 1583934&amp;cid = 31494914 [ slashdot.org ] .</tokentext>
<sentencetext>I'm in the UK, and cheques are still occasionally needed here.As for why, give me answers to my questions at http://slashdot.org/comments.pl?sid=1583934&amp;cid=31494914 [slashdot.org] .</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31499606</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>Anonymous</author>
	<datestamp>1268769120000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p><div class="quote"><p>I mean this as a genuine question: why is the US so far behind Europe in this?</p></div><p>It's because Europe essentially got a free pass to rebuild everything after WWII.  The US spent billions of dollars investing in modern infrastructure across the pond, while at the same time holding on to existing paradigms locally (the interstate highway system notwithstanding).  Fast forward through 60 years of industrial entrenchment, and you get the current, practically unchangeable, US system.  (see also Health Care, Mass Transit, etc.)</p></div>
	</htmltext>
<tokenext>I mean this as a genuine question : why is the US so far behind Europe in this ? It 's because Europe essentially got a free pass to rebuild everything after WWII .
The US spent billions of dollars investing in modern infrastructure across the pond , while at the same time holding on to existing paradigms locally ( the interstate highway system notwithstanding ) .
Fast forward through 60 years of industrial entrenchment , and you get the current , practically unchangeable , US system .
( see also Health Care , Mass Transit , etc .
)</tokentext>
<sentencetext>I mean this as a genuine question: why is the US so far behind Europe in this?It's because Europe essentially got a free pass to rebuild everything after WWII.
The US spent billions of dollars investing in modern infrastructure across the pond, while at the same time holding on to existing paradigms locally (the interstate highway system notwithstanding).
Fast forward through 60 years of industrial entrenchment, and you get the current, practically unchangeable, US system.
(see also Health Care, Mass Transit, etc.
)
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495016</id>
	<title>Re:Checks</title>
	<author>MachDelta</author>
	<datestamp>1268752260000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Are you sure you can only push money to your CC? I can pull money from mine too, straight into a normal account. It's called a cash advance. It's not something i've had to use very often though.</p></htmltext>
<tokenext>Are you sure you can only push money to your CC ?
I can pull money from mine too , straight into a normal account .
It 's called a cash advance .
It 's not something i 've had to use very often though .</tokentext>
<sentencetext>Are you sure you can only push money to your CC?
I can pull money from mine too, straight into a normal account.
It's called a cash advance.
It's not something i've had to use very often though.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494268</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494354</id>
	<title>Re:USAA has been doing this for years</title>
	<author>Anonymous</author>
	<datestamp>1268749620000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I have been using USAA for years...the Deposit@Home is great and the just rolled out the Deposit@Mobile iPhone App, I don't need a credit card to use either though.  But it all comes down to how secure you feel taking a picture of a check to have it deposited.   As far as eliminating the float, I like the fact that funds are available to me the day after I make a deposit.  In all honestly, this is probably the direction we should be going if we won't be wiring money like the rest of the world.</p></htmltext>
<tokenext>I have been using USAA for years...the Deposit @ Home is great and the just rolled out the Deposit @ Mobile iPhone App , I do n't need a credit card to use either though .
But it all comes down to how secure you feel taking a picture of a check to have it deposited .
As far as eliminating the float , I like the fact that funds are available to me the day after I make a deposit .
In all honestly , this is probably the direction we should be going if we wo n't be wiring money like the rest of the world .</tokentext>
<sentencetext>I have been using USAA for years...the Deposit@Home is great and the just rolled out the Deposit@Mobile iPhone App, I don't need a credit card to use either though.
But it all comes down to how secure you feel taking a picture of a check to have it deposited.
As far as eliminating the float, I like the fact that funds are available to me the day after I make a deposit.
In all honestly, this is probably the direction we should be going if we won't be wiring money like the rest of the world.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494382</id>
	<title>The news isn't about the check scanning</title>
	<author>Yvanhoe</author>
	<datestamp>1268749800000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>It is about the cryptographic signing. Finally banks understand that cryptography offer better proofs than hand signatures ! It was about *ucking time !</htmltext>
<tokenext>It is about the cryptographic signing .
Finally banks understand that cryptography offer better proofs than hand signatures !
It was about * ucking time !</tokentext>
<sentencetext>It is about the cryptographic signing.
Finally banks understand that cryptography offer better proofs than hand signatures !
It was about *ucking time !</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31496470</id>
	<title>Re:Checks</title>
	<author>MozeeToby</author>
	<datestamp>1268757660000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>Oh, and as a bonus, that credit card is hooked to my overdraft protection.</p></div><p>FYI, this could be a seriously bad idea.  At minimum, I would double (and then triple) check what you are responsible for if that card is stolen and the thief hits your overdraft protection for a few grand before you realize what's happening.  It's entirely possible that the theft protections on your credit card won't cover what's pulled out of savings to cover overdraft.  At minimum, it's quite likely that they won't cover the fees associated with that service.</p></div>
	</htmltext>
<tokenext>Oh , and as a bonus , that credit card is hooked to my overdraft protection.FYI , this could be a seriously bad idea .
At minimum , I would double ( and then triple ) check what you are responsible for if that card is stolen and the thief hits your overdraft protection for a few grand before you realize what 's happening .
It 's entirely possible that the theft protections on your credit card wo n't cover what 's pulled out of savings to cover overdraft .
At minimum , it 's quite likely that they wo n't cover the fees associated with that service .</tokentext>
<sentencetext>Oh, and as a bonus, that credit card is hooked to my overdraft protection.FYI, this could be a seriously bad idea.
At minimum, I would double (and then triple) check what you are responsible for if that card is stolen and the thief hits your overdraft protection for a few grand before you realize what's happening.
It's entirely possible that the theft protections on your credit card won't cover what's pulled out of savings to cover overdraft.
At minimum, it's quite likely that they won't cover the fees associated with that service.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494268</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495412</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>Anonymous</author>
	<datestamp>1268753640000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p><div class="quote"><p>I haven't seen a cheque in years.</p></div><p>Agreed. Last time I've heard about cheques from a non-American person was in the 80s (I was about to write "last time I've seen a cheque" but I'm not sure if I've ever seen an actual cheque). People have been using wire transfer (here in Finland) since the mid 80s.</p><p>Hell, I don't even know exactly what cheques are, or how they work!</p></div>
	</htmltext>
<tokenext>I have n't seen a cheque in years.Agreed .
Last time I 've heard about cheques from a non-American person was in the 80s ( I was about to write " last time I 've seen a cheque " but I 'm not sure if I 've ever seen an actual cheque ) .
People have been using wire transfer ( here in Finland ) since the mid 80s.Hell , I do n't even know exactly what cheques are , or how they work !</tokentext>
<sentencetext>I haven't seen a cheque in years.Agreed.
Last time I've heard about cheques from a non-American person was in the 80s (I was about to write "last time I've seen a cheque" but I'm not sure if I've ever seen an actual cheque).
People have been using wire transfer (here in Finland) since the mid 80s.Hell, I don't even know exactly what cheques are, or how they work!
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494096</id>
	<title>Floating dowm profit river</title>
	<author>Anonymous</author>
	<datestamp>1268748300000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>The bankers say they want to eliminate "float" while using the float scam on their customers. They do all their internal transactions electronically, yet when you deposit a check it is the next day or longer before your money is available. Meanwhile they're collecting interest on YOUR money.</p><p>I deposited my tax return this year, and was not able to access the funds later that afternoon, although they were profiting. I had to wait until the next day to get my money; meanwhile they collected interest.</p><p>The bankers call "float" a scam, are all bankers scam artists?</p></htmltext>
<tokenext>The bankers say they want to eliminate " float " while using the float scam on their customers .
They do all their internal transactions electronically , yet when you deposit a check it is the next day or longer before your money is available .
Meanwhile they 're collecting interest on YOUR money.I deposited my tax return this year , and was not able to access the funds later that afternoon , although they were profiting .
I had to wait until the next day to get my money ; meanwhile they collected interest.The bankers call " float " a scam , are all bankers scam artists ?</tokentext>
<sentencetext>The bankers say they want to eliminate "float" while using the float scam on their customers.
They do all their internal transactions electronically, yet when you deposit a check it is the next day or longer before your money is available.
Meanwhile they're collecting interest on YOUR money.I deposited my tax return this year, and was not able to access the funds later that afternoon, although they were profiting.
I had to wait until the next day to get my money; meanwhile they collected interest.The bankers call "float" a scam, are all bankers scam artists?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494186</id>
	<title>Checks are "old school"</title>
	<author>oddaddresstrap</author>
	<datestamp>1268748660000</datestamp>
	<modclass>Funny</modclass>
	<modscore>5</modscore>
	<htmltext><p>I hardly ever use checks these days. Can I just take a picture of some cash and deposit it instead?</p></htmltext>
<tokenext>I hardly ever use checks these days .
Can I just take a picture of some cash and deposit it instead ?</tokentext>
<sentencetext>I hardly ever use checks these days.
Can I just take a picture of some cash and deposit it instead?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494344</id>
	<title>Re:It must be at least 10 years ago</title>
	<author>Brandee07</author>
	<datestamp>1268749500000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Checks are largely dead in the US as well, at least for personal use. I write exactly one check a month, for rent, and that's because I rent from a nice old lady, not a business, and nice old ladies rarely have merchant accounts set up to receive credit card payments.</p><p>However, in my work at a small business that does a lot of work for other small businesses, perhaps 90\% of the invoices we send out are paid by check.</p></htmltext>
<tokenext>Checks are largely dead in the US as well , at least for personal use .
I write exactly one check a month , for rent , and that 's because I rent from a nice old lady , not a business , and nice old ladies rarely have merchant accounts set up to receive credit card payments.However , in my work at a small business that does a lot of work for other small businesses , perhaps 90 \ % of the invoices we send out are paid by check .</tokentext>
<sentencetext>Checks are largely dead in the US as well, at least for personal use.
I write exactly one check a month, for rent, and that's because I rent from a nice old lady, not a business, and nice old ladies rarely have merchant accounts set up to receive credit card payments.However, in my work at a small business that does a lot of work for other small businesses, perhaps 90\% of the invoices we send out are paid by check.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494068</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494814</id>
	<title>Re:USAA has been doing this for years</title>
	<author>shoehornjob</author>
	<datestamp>1268751540000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>You might want to check into this because I have USAA and one of their debit cards tied to a checking account and they let me use the Deposit@Home service. It's a pain in the ass scanning both sides of the check but it beats sending it by snailmail. Oh and btw the Mercury News is a bit behind the times because Bank of America already has this.</htmltext>
<tokenext>You might want to check into this because I have USAA and one of their debit cards tied to a checking account and they let me use the Deposit @ Home service .
It 's a pain in the ass scanning both sides of the check but it beats sending it by snailmail .
Oh and btw the Mercury News is a bit behind the times because Bank of America already has this .</tokentext>
<sentencetext>You might want to check into this because I have USAA and one of their debit cards tied to a checking account and they let me use the Deposit@Home service.
It's a pain in the ass scanning both sides of the check but it beats sending it by snailmail.
Oh and btw the Mercury News is a bit behind the times because Bank of America already has this.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494614</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>Maddog Batty</author>
	<datestamp>1268750940000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I really don't understand this.</p><p>Everybody used to use cheques here (UK) but they are now almost completely replaced by plastic and bank transfers.</p><p>Why? Because people prefer carrying plastic than cheque books. Because people hate having to pay them in. Because cheques bounce. Because banks charge businesses to both write and receive cheques. Because there is a greater chance of fraud. Because it takes around three days for the money to arrive in your account and even then it is not guaranteed to have cleared.</p><p>Bank transfers are free, plastic costs the receiver a few \%. Both are easy, simple, quick and fairly secure.</p><p>Why anybody would want to use a cheque, I really don't understand. Please explain.</p></htmltext>
<tokenext>I really do n't understand this.Everybody used to use cheques here ( UK ) but they are now almost completely replaced by plastic and bank transfers.Why ?
Because people prefer carrying plastic than cheque books .
Because people hate having to pay them in .
Because cheques bounce .
Because banks charge businesses to both write and receive cheques .
Because there is a greater chance of fraud .
Because it takes around three days for the money to arrive in your account and even then it is not guaranteed to have cleared.Bank transfers are free , plastic costs the receiver a few \ % .
Both are easy , simple , quick and fairly secure.Why anybody would want to use a cheque , I really do n't understand .
Please explain .</tokentext>
<sentencetext>I really don't understand this.Everybody used to use cheques here (UK) but they are now almost completely replaced by plastic and bank transfers.Why?
Because people prefer carrying plastic than cheque books.
Because people hate having to pay them in.
Because cheques bounce.
Because banks charge businesses to both write and receive cheques.
Because there is a greater chance of fraud.
Because it takes around three days for the money to arrive in your account and even then it is not guaranteed to have cleared.Bank transfers are free, plastic costs the receiver a few \%.
Both are easy, simple, quick and fairly secure.Why anybody would want to use a cheque, I really don't understand.
Please explain.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494194</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494324</id>
	<title>Re:Scanning a check exists now</title>
	<author>spvo</author>
	<datestamp>1268749380000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>2</modscore>
	<htmltext>Almost all the checks I cash are rebates, which USAA's applet can't handle, so I have to mail everything in anyway.  But I did manage to get it working with linux.  All I had to do was change my useragent string (useragent plug-in) to firefox on a mac and it will just prompt you to upload the jpeg image of your check.</htmltext>
<tokenext>Almost all the checks I cash are rebates , which USAA 's applet ca n't handle , so I have to mail everything in anyway .
But I did manage to get it working with linux .
All I had to do was change my useragent string ( useragent plug-in ) to firefox on a mac and it will just prompt you to upload the jpeg image of your check .</tokentext>
<sentencetext>Almost all the checks I cash are rebates, which USAA's applet can't handle, so I have to mail everything in anyway.
But I did manage to get it working with linux.
All I had to do was change my useragent string (useragent plug-in) to firefox on a mac and it will just prompt you to upload the jpeg image of your check.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494028</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31497880</id>
	<title>Re:USAA has been doing this for years</title>
	<author>Manuka</author>
	<datestamp>1268762400000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>USAA has allowed this from their iPhone app for over a year now as well.</p></htmltext>
<tokenext>USAA has allowed this from their iPhone app for over a year now as well .</tokentext>
<sentencetext>USAA has allowed this from their iPhone app for over a year now as well.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31497362</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>Anonymous</author>
	<datestamp>1268760480000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Plastic is fairly ubiquitous here as well, its just that personal bank-to-bank transfers are not.</p><p>The problem is that the Automated Clearing House system that the US uses doesn't allow you to easily "push" money to other accounts. This is mainly because it goes both ways; if you have someones routing and account number you could pull money out of their account. Because of this the ACH system requires a "handshake" system between the two accounts.</p></htmltext>
<tokenext>Plastic is fairly ubiquitous here as well , its just that personal bank-to-bank transfers are not.The problem is that the Automated Clearing House system that the US uses does n't allow you to easily " push " money to other accounts .
This is mainly because it goes both ways ; if you have someones routing and account number you could pull money out of their account .
Because of this the ACH system requires a " handshake " system between the two accounts .</tokentext>
<sentencetext>Plastic is fairly ubiquitous here as well, its just that personal bank-to-bank transfers are not.The problem is that the Automated Clearing House system that the US uses doesn't allow you to easily "push" money to other accounts.
This is mainly because it goes both ways; if you have someones routing and account number you could pull money out of their account.
Because of this the ACH system requires a "handshake" system between the two accounts.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494614</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31497052</id>
	<title>Re:old news?</title>
	<author>Anonymous</author>
	<datestamp>1268759460000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>+1 for USAA!!!</p><p>And their Android app supports check deposits by photo.  Android + USAA FTW!</p></htmltext>
<tokenext>+ 1 for USAA ! !
! And their Android app supports check deposits by photo .
Android + USAA FTW !</tokentext>
<sentencetext>+1 for USAA!!
!And their Android app supports check deposits by photo.
Android + USAA FTW!</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494242</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494390</id>
	<title>Say hello to mega fraud...</title>
	<author>JRHelgeson</author>
	<datestamp>1268749860000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Say that company X issues a check to a Mr. Victor Timothy, who we'll refer to is VicTim, for short.<br>So, all I need to do is take a photo of VicTim's check, and I photo-deposit it into my account, Then VicTim deposits the paper check into his account, it gets rejected for already having been processed, and it is left to him to fight it out with the company and his bank?</p><p>My how crime has evolved...</p></htmltext>
<tokenext>Say that company X issues a check to a Mr. Victor Timothy , who we 'll refer to is VicTim , for short.So , all I need to do is take a photo of VicTim 's check , and I photo-deposit it into my account , Then VicTim deposits the paper check into his account , it gets rejected for already having been processed , and it is left to him to fight it out with the company and his bank ? My how crime has evolved.. .</tokentext>
<sentencetext>Say that company X issues a check to a Mr. Victor Timothy, who we'll refer to is VicTim, for short.So, all I need to do is take a photo of VicTim's check, and I photo-deposit it into my account, Then VicTim deposits the paper check into his account, it gets rejected for already having been processed, and it is left to him to fight it out with the company and his bank?My how crime has evolved...</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495594</id>
	<title>Re:It must be at least 10 years ago</title>
	<author>mdwh2</author>
	<datestamp>1268754360000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Not true, I'm in Europe - I still use cheques when I'm not at my home computer, or to pay people whose bank account details I don't know, and I still receive cheques, e.g., from family who don't have my bank account details or have Internet access.</p><p>What non-cheque systems are there to address these issues? I mean, they do exist right, if you really have no need of cheques?</p><p>Do you have a source for "most people here do their banking mainly online anyhow"?</p></htmltext>
<tokenext>Not true , I 'm in Europe - I still use cheques when I 'm not at my home computer , or to pay people whose bank account details I do n't know , and I still receive cheques , e.g. , from family who do n't have my bank account details or have Internet access.What non-cheque systems are there to address these issues ?
I mean , they do exist right , if you really have no need of cheques ? Do you have a source for " most people here do their banking mainly online anyhow " ?</tokentext>
<sentencetext>Not true, I'm in Europe - I still use cheques when I'm not at my home computer, or to pay people whose bank account details I don't know, and I still receive cheques, e.g., from family who don't have my bank account details or have Internet access.What non-cheque systems are there to address these issues?
I mean, they do exist right, if you really have no need of cheques?Do you have a source for "most people here do their banking mainly online anyhow"?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494068</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494194</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>John Hasler</author>
	<datestamp>1268748720000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>&gt; I mean this as a genuine question: why is the US so far behind Europe in<br>&gt; this?</p><p>Because the USA was far ahead of adopting cheques to begin with.</p><p>Wire transfers are readily available here but I rarely use them.  Why should I?</p></htmltext>
<tokenext>&gt; I mean this as a genuine question : why is the US so far behind Europe in &gt; this ? Because the USA was far ahead of adopting cheques to begin with.Wire transfers are readily available here but I rarely use them .
Why should I ?</tokentext>
<sentencetext>&gt; I mean this as a genuine question: why is the US so far behind Europe in&gt; this?Because the USA was far ahead of adopting cheques to begin with.Wire transfers are readily available here but I rarely use them.
Why should I?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31499404</id>
	<title>Re:USAA has been doing this for years</title>
	<author>Anonymous</author>
	<datestamp>1268768340000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>USAA also allows deposit@mobile where you can take a picture with your phone and securely send it. Sound familiar?</p></htmltext>
<tokenext>USAA also allows deposit @ mobile where you can take a picture with your phone and securely send it .
Sound familiar ?</tokentext>
<sentencetext>USAA also allows deposit@mobile where you can take a picture with your phone and securely send it.
Sound familiar?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494134</id>
	<title>Wake me when</title>
	<author>Anonymous</author>
	<datestamp>1268748420000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I can take a photo of a $20 note and deposit that in my bank account.</p></htmltext>
<tokenext>I can take a photo of a $ 20 note and deposit that in my bank account .</tokentext>
<sentencetext>I can take a photo of a $20 note and deposit that in my bank account.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494230</id>
	<title>Last time I used a check</title>
	<author>Zedrick</author>
	<datestamp>1268748900000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>...or even SAW one, was in 1997. And that was in the 19th century country Ireland. I really didn't think anybody still used checks.</htmltext>
<tokenext>...or even SAW one , was in 1997 .
And that was in the 19th century country Ireland .
I really did n't think anybody still used checks .</tokentext>
<sentencetext>...or even SAW one, was in 1997.
And that was in the 19th century country Ireland.
I really didn't think anybody still used checks.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494012</id>
	<title>meh, should have used USAA</title>
	<author>TheDawgLives</author>
	<datestamp>1268747820000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>3</modscore>
	<htmltext>I've been doing this for months using USAA's iPhone app. When I showed my mom, she went out and got an iPhone and started using it. Before that I used their deposit@home service to scan checks on my computer. Beats driving to the bank just to deposit a check.</htmltext>
<tokenext>I 've been doing this for months using USAA 's iPhone app .
When I showed my mom , she went out and got an iPhone and started using it .
Before that I used their deposit @ home service to scan checks on my computer .
Beats driving to the bank just to deposit a check .</tokentext>
<sentencetext>I've been doing this for months using USAA's iPhone app.
When I showed my mom, she went out and got an iPhone and started using it.
Before that I used their deposit@home service to scan checks on my computer.
Beats driving to the bank just to deposit a check.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494148</id>
	<title>Photoshop?</title>
	<author>Anonymous</author>
	<datestamp>1268748480000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>How do they solve the photoshop problem?</htmltext>
<tokenext>How do they solve the photoshop problem ?</tokentext>
<sentencetext>How do they solve the photoshop problem?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494342</id>
	<title>Pentagon Federal Credit Union</title>
	<author>Anonymous</author>
	<datestamp>1268749440000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>3</modscore>
	<htmltext><p>We are in the process of rolling out this same sort of program at our company as well (as I've been building about a dozen servers to support it). We've had the ability to deposit by mail for ages and this is the next logical step.</p><p>With most of our userbase being military and deployed to locations where they cannot access any branch services at all. Our userbase has become tech savvy enough to support a system like this. The largest impediment to implementing a system like this has been having the tech easy enough to use a "non-geek" can perform the tasks necessary without needing a large amount of training.</p><p>To those saying "What if I want to deposit counterfit checks". Well several systems are in place to prevent or at least mitigate that damage. You are only allowed to deposit up to a certain amount via the system (and have funds immediately accessible), the checks are processed real-time and won't be accepted without several validity checks passing and the account money is being collected from also happens as close to real-time as possible. Remember, just cause you deposit a check doesn't mean it can't bounce, that money is not truely in your account until funds are transferred from the check writers account. If you have those funds available for use immediately, it's because your financial institution trusts you to now deposit bad checks.</p><p>The the comment above about "great, just what I want, images of checks on my phone". The application itself handles taking the photo and no local copy is retained on the phone after the process is completed. (The image of the check is still available on the company's servers for review just like if you mailed in checks or deposited them via our branches.)</p></htmltext>
<tokenext>We are in the process of rolling out this same sort of program at our company as well ( as I 've been building about a dozen servers to support it ) .
We 've had the ability to deposit by mail for ages and this is the next logical step.With most of our userbase being military and deployed to locations where they can not access any branch services at all .
Our userbase has become tech savvy enough to support a system like this .
The largest impediment to implementing a system like this has been having the tech easy enough to use a " non-geek " can perform the tasks necessary without needing a large amount of training.To those saying " What if I want to deposit counterfit checks " .
Well several systems are in place to prevent or at least mitigate that damage .
You are only allowed to deposit up to a certain amount via the system ( and have funds immediately accessible ) , the checks are processed real-time and wo n't be accepted without several validity checks passing and the account money is being collected from also happens as close to real-time as possible .
Remember , just cause you deposit a check does n't mean it ca n't bounce , that money is not truely in your account until funds are transferred from the check writers account .
If you have those funds available for use immediately , it 's because your financial institution trusts you to now deposit bad checks.The the comment above about " great , just what I want , images of checks on my phone " .
The application itself handles taking the photo and no local copy is retained on the phone after the process is completed .
( The image of the check is still available on the company 's servers for review just like if you mailed in checks or deposited them via our branches .
)</tokentext>
<sentencetext>We are in the process of rolling out this same sort of program at our company as well (as I've been building about a dozen servers to support it).
We've had the ability to deposit by mail for ages and this is the next logical step.With most of our userbase being military and deployed to locations where they cannot access any branch services at all.
Our userbase has become tech savvy enough to support a system like this.
The largest impediment to implementing a system like this has been having the tech easy enough to use a "non-geek" can perform the tasks necessary without needing a large amount of training.To those saying "What if I want to deposit counterfit checks".
Well several systems are in place to prevent or at least mitigate that damage.
You are only allowed to deposit up to a certain amount via the system (and have funds immediately accessible), the checks are processed real-time and won't be accepted without several validity checks passing and the account money is being collected from also happens as close to real-time as possible.
Remember, just cause you deposit a check doesn't mean it can't bounce, that money is not truely in your account until funds are transferred from the check writers account.
If you have those funds available for use immediately, it's because your financial institution trusts you to now deposit bad checks.The the comment above about "great, just what I want, images of checks on my phone".
The application itself handles taking the photo and no local copy is retained on the phone after the process is completed.
(The image of the check is still available on the company's servers for review just like if you mailed in checks or deposited them via our branches.
)</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495454</id>
	<title>Re:It must be at least 10 years ago</title>
	<author>Engeekneer</author>
	<datestamp>1268753820000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Actually, I needed a cheque once (France... yes the only place here that still uses them?), and my bank (actually two, in different countries) were a bit confused and said that they really don't do that kind of thing. Other than that, I think the last time I saw  them were in the mid 80's. So no, in many countries you can't talk your banks into it.</htmltext>
<tokenext>Actually , I needed a cheque once ( France... yes the only place here that still uses them ?
) , and my bank ( actually two , in different countries ) were a bit confused and said that they really do n't do that kind of thing .
Other than that , I think the last time I saw them were in the mid 80 's .
So no , in many countries you ca n't talk your banks into it .</tokentext>
<sentencetext>Actually, I needed a cheque once (France... yes the only place here that still uses them?
), and my bank (actually two, in different countries) were a bit confused and said that they really don't do that kind of thing.
Other than that, I think the last time I saw  them were in the mid 80's.
So no, in many countries you can't talk your banks into it.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494068</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494160</id>
	<title>Re:Scanning a check exists now</title>
	<author>Hyppy</author>
	<datestamp>1268748540000</datestamp>
	<modclass>Redundant</modclass>
	<modscore>0</modscore>
	<htmltext>They also have had an iPhone app for quite a while to do this.  I've been using it for about 6 months.</htmltext>
<tokenext>They also have had an iPhone app for quite a while to do this .
I 've been using it for about 6 months .</tokentext>
<sentencetext>They also have had an iPhone app for quite a while to do this.
I've been using it for about 6 months.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494028</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31497262</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>Anonymous</author>
	<datestamp>1268760180000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>All banks are evil.  US banks are both evil and loosely regulated.  They have for years charged big bucks for wire transfers.  They don't want to give that up.  So for the user there is very good reason not to use wire transfers.  </p><p>Instead we have developed really weird work-arounds.  I pay all of my bills with a odd sort of online checking.   I do it through my bank website, and for instance, once a month they print out a check and mail it to my landlord, who then deposits it physically at their bank.  So to me it feels like an electronic transfer, since I don't have to scratch ink onto paper, but in reality there is still a paper check generated.  At least this way I don't have to pay for the postage.</p></htmltext>
<tokenext>All banks are evil .
US banks are both evil and loosely regulated .
They have for years charged big bucks for wire transfers .
They do n't want to give that up .
So for the user there is very good reason not to use wire transfers .
Instead we have developed really weird work-arounds .
I pay all of my bills with a odd sort of online checking .
I do it through my bank website , and for instance , once a month they print out a check and mail it to my landlord , who then deposits it physically at their bank .
So to me it feels like an electronic transfer , since I do n't have to scratch ink onto paper , but in reality there is still a paper check generated .
At least this way I do n't have to pay for the postage .</tokentext>
<sentencetext>All banks are evil.
US banks are both evil and loosely regulated.
They have for years charged big bucks for wire transfers.
They don't want to give that up.
So for the user there is very good reason not to use wire transfers.
Instead we have developed really weird work-arounds.
I pay all of my bills with a odd sort of online checking.
I do it through my bank website, and for instance, once a month they print out a check and mail it to my landlord, who then deposits it physically at their bank.
So to me it feels like an electronic transfer, since I don't have to scratch ink onto paper, but in reality there is still a paper check generated.
At least this way I don't have to pay for the postage.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494068</id>
	<title>It must be at least 10 years ago</title>
	<author>Anonymous</author>
	<datestamp>1268748060000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext>In Europe, checks are rare if not extinct, for something like the last 10 years at least. Direct transfers (IBAN) or similar <b>just work</b> and most people here do their banking mainly online anyhow.
<p>
Most likely you could talk your bank here into issuing a check for you if you ask them nicely, but it would almost certainly be more expensive than a straight electronic transfer.
</p><p>
On the other hand, somebody likely had fun and made a modest amount of money developing that check scannin app, so the effort I guess is not totally wasted.</p></htmltext>
<tokenext>In Europe , checks are rare if not extinct , for something like the last 10 years at least .
Direct transfers ( IBAN ) or similar just work and most people here do their banking mainly online anyhow .
Most likely you could talk your bank here into issuing a check for you if you ask them nicely , but it would almost certainly be more expensive than a straight electronic transfer .
On the other hand , somebody likely had fun and made a modest amount of money developing that check scannin app , so the effort I guess is not totally wasted .</tokentext>
<sentencetext>In Europe, checks are rare if not extinct, for something like the last 10 years at least.
Direct transfers (IBAN) or similar just work and most people here do their banking mainly online anyhow.
Most likely you could talk your bank here into issuing a check for you if you ask them nicely, but it would almost certainly be more expensive than a straight electronic transfer.
On the other hand, somebody likely had fun and made a modest amount of money developing that check scannin app, so the effort I guess is not totally wasted.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494862</id>
	<title>Re:USAA has been doing this for years</title>
	<author>yellekc</author>
	<datestamp>1268751720000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>USAA's deposit@mobile service is pretty neat. But it takes a bit of work. You need something dark for the background. I usually use a black shirt or jacket. You also need good lighting. You still get use of the funds instantly. I've used their check scanning for years, but I now use the mobile version more often. Feel bad for my old Canoscan, scanning checks was practically the only reason I've kept it.</htmltext>
<tokenext>USAA 's deposit @ mobile service is pretty neat .
But it takes a bit of work .
You need something dark for the background .
I usually use a black shirt or jacket .
You also need good lighting .
You still get use of the funds instantly .
I 've used their check scanning for years , but I now use the mobile version more often .
Feel bad for my old Canoscan , scanning checks was practically the only reason I 've kept it .</tokentext>
<sentencetext>USAA's deposit@mobile service is pretty neat.
But it takes a bit of work.
You need something dark for the background.
I usually use a black shirt or jacket.
You also need good lighting.
You still get use of the funds instantly.
I've used their check scanning for years, but I now use the mobile version more often.
Feel bad for my old Canoscan, scanning checks was practically the only reason I've kept it.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494132</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494254</id>
	<title>Interesting stopgap</title>
	<author>Anonymous</author>
	<datestamp>1268749080000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>As much as this raises privacy concerns, it's a good step towards eliminating paper check processing. Everyone knows checks are pretty much things of the past - most people in the current generation pay all their commercial bills with electronic paymens. Only person-to-person debt settlements or gifts are done through checks by anyone under 35 or so. Remote deposit capture has been around in large businesses forever, and is even more prevalent with Check 21 now.</p><p>Checks are old-fashioned, but what can replace them in the US? In the current banking system, giving out your account number for wire transfers isn't secure. I think Europe has figured out a way to do EFTs securely (chip and pin cards? PIN-based wire transfers?) Here in the US, I think a lot of people don't think of wire transfers as a way to settle "normal" debts. The image that comes to my mind is of secret numbered Swiss bank accounts and multi-million dollar transactions, and I'm all for getting rid of checks. Plus, wire transfers in the current banking system cost a lot of money to perform. You have to find an easy, safe way, including authentication of both parties, to transfer funds that is just as easy as writing someone a check.</p><p>Banks probably love this too. They have to process even fewer paper checks, and there will no longer be an excuse to have as many bank branches.</p></htmltext>
<tokenext>As much as this raises privacy concerns , it 's a good step towards eliminating paper check processing .
Everyone knows checks are pretty much things of the past - most people in the current generation pay all their commercial bills with electronic paymens .
Only person-to-person debt settlements or gifts are done through checks by anyone under 35 or so .
Remote deposit capture has been around in large businesses forever , and is even more prevalent with Check 21 now.Checks are old-fashioned , but what can replace them in the US ?
In the current banking system , giving out your account number for wire transfers is n't secure .
I think Europe has figured out a way to do EFTs securely ( chip and pin cards ?
PIN-based wire transfers ?
) Here in the US , I think a lot of people do n't think of wire transfers as a way to settle " normal " debts .
The image that comes to my mind is of secret numbered Swiss bank accounts and multi-million dollar transactions , and I 'm all for getting rid of checks .
Plus , wire transfers in the current banking system cost a lot of money to perform .
You have to find an easy , safe way , including authentication of both parties , to transfer funds that is just as easy as writing someone a check.Banks probably love this too .
They have to process even fewer paper checks , and there will no longer be an excuse to have as many bank branches .</tokentext>
<sentencetext>As much as this raises privacy concerns, it's a good step towards eliminating paper check processing.
Everyone knows checks are pretty much things of the past - most people in the current generation pay all their commercial bills with electronic paymens.
Only person-to-person debt settlements or gifts are done through checks by anyone under 35 or so.
Remote deposit capture has been around in large businesses forever, and is even more prevalent with Check 21 now.Checks are old-fashioned, but what can replace them in the US?
In the current banking system, giving out your account number for wire transfers isn't secure.
I think Europe has figured out a way to do EFTs securely (chip and pin cards?
PIN-based wire transfers?
) Here in the US, I think a lot of people don't think of wire transfers as a way to settle "normal" debts.
The image that comes to my mind is of secret numbered Swiss bank accounts and multi-million dollar transactions, and I'm all for getting rid of checks.
Plus, wire transfers in the current banking system cost a lot of money to perform.
You have to find an easy, safe way, including authentication of both parties, to transfer funds that is just as easy as writing someone a check.Banks probably love this too.
They have to process even fewer paper checks, and there will no longer be an excuse to have as many bank branches.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494192</id>
	<title>Yuo fail 1t!</title>
	<author>Anonymous</author>
	<datestamp>1268748660000</datestamp>
	<modclass>Troll</modclass>
	<modscore>-1</modscore>
	<htmltext>aal parties it's for the project. their parting for successful FREEBSD SHOWED mistake of electing ASSOCIATION OF been many, not the BUWLA, or BSD has been my only bulk of the FreeBSD (I always bring my users all over the</htmltext>
<tokenext>aal parties it 's for the project .
their parting for successful FREEBSD SHOWED mistake of electing ASSOCIATION OF been many , not the BUWLA , or BSD has been my only bulk of the FreeBSD ( I always bring my users all over the</tokentext>
<sentencetext>aal parties it's for the project.
their parting for successful FREEBSD SHOWED mistake of electing ASSOCIATION OF been many, not the BUWLA, or BSD has been my only bulk of the FreeBSD (I always bring my users all over the</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31496986</id>
	<title>Re:Scanning a check exists now</title>
	<author>smaddox</author>
	<datestamp>1268759220000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I run Ubuntu, as well. I've found it's easiest to install virtualbox and create a winxp virtual image for this purpose. If you make a snapshot after installing your drivers &amp; java, then you can just restore to it so you don't have to worry about a virus somehow getting in. This is much safer than running an actual windows box, IMHO (for financial reasons, no less).</p></htmltext>
<tokenext>I run Ubuntu , as well .
I 've found it 's easiest to install virtualbox and create a winxp virtual image for this purpose .
If you make a snapshot after installing your drivers &amp; java , then you can just restore to it so you do n't have to worry about a virus somehow getting in .
This is much safer than running an actual windows box , IMHO ( for financial reasons , no less ) .</tokentext>
<sentencetext>I run Ubuntu, as well.
I've found it's easiest to install virtualbox and create a winxp virtual image for this purpose.
If you make a snapshot after installing your drivers &amp; java, then you can just restore to it so you don't have to worry about a virus somehow getting in.
This is much safer than running an actual windows box, IMHO (for financial reasons, no less).</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494028</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494132</id>
	<title>Re:USAA has been doing this for years</title>
	<author>viking099</author>
	<datestamp>1268748420000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I believe USAA also has an app for the iPhone and Android systems where you can snap a photo and upload it.</p><p>I've been using Deposit@Home for a while now and it's awesome.</p></htmltext>
<tokenext>I believe USAA also has an app for the iPhone and Android systems where you can snap a photo and upload it.I 've been using Deposit @ Home for a while now and it 's awesome .</tokentext>
<sentencetext>I believe USAA also has an app for the iPhone and Android systems where you can snap a photo and upload it.I've been using Deposit@Home for a while now and it's awesome.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31496280</id>
	<title>Re:It must be at least 10 years ago</title>
	<author>Anonymous</author>
	<datestamp>1268756880000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>We used electronic transfers about 25 years ago in communist East Germany. Hello USA, get with the program!!! Can't remember when was the last time I used a check in Europe.</p></htmltext>
<tokenext>We used electronic transfers about 25 years ago in communist East Germany .
Hello USA , get with the program ! ! !
Ca n't remember when was the last time I used a check in Europe .</tokentext>
<sentencetext>We used electronic transfers about 25 years ago in communist East Germany.
Hello USA, get with the program!!!
Can't remember when was the last time I used a check in Europe.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494068</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494534</id>
	<title>Re:Scanning a check exists now</title>
	<author>Anonymous</author>
	<datestamp>1268750520000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Wrong!  I've hadd the <a href="https://www.usaa.com/inet/ent\_utils/McStaticPages?key=deposit\_at\_mobile\_main" title="usaa.com" rel="nofollow">USAA Deposit@Mobile app</a> [usaa.com] for my Android My Touch phone for a while now.  Depositing a check by taking its picture works great.</p></htmltext>
<tokenext>Wrong !
I 've hadd the USAA Deposit @ Mobile app [ usaa.com ] for my Android My Touch phone for a while now .
Depositing a check by taking its picture works great .</tokentext>
<sentencetext>Wrong!
I've hadd the USAA Deposit@Mobile app [usaa.com] for my Android My Touch phone for a while now.
Depositing a check by taking its picture works great.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494028</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31499514</id>
	<title>USAA has an iphone app</title>
	<author>rsborg</author>
	<datestamp>1268768820000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>One of my favorite ideas (though I'm not with USAA): <a href="https://www.usaa.com/inet/ent\_utils/McStaticPages?key=usaa\_mobile\_iphone\_main" title="usaa.com">https://www.usaa.com/inet/ent\_utils/McStaticPages?key=usaa\_mobile\_iphone\_main</a> [usaa.com]</htmltext>
<tokenext>One of my favorite ideas ( though I 'm not with USAA ) : https : //www.usaa.com/inet/ent \ _utils/McStaticPages ? key = usaa \ _mobile \ _iphone \ _main [ usaa.com ]</tokentext>
<sentencetext>One of my favorite ideas (though I'm not with USAA): https://www.usaa.com/inet/ent\_utils/McStaticPages?key=usaa\_mobile\_iphone\_main [usaa.com]</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31514968</id>
	<title>Re:Scanning a check exists now</title>
	<author>Anonymous</author>
	<datestamp>1268819220000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>They have an Android app. You must have 2.1 though.</p></htmltext>
<tokenext>They have an Android app .
You must have 2.1 though .</tokentext>
<sentencetext>They have an Android app.
You must have 2.1 though.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494028</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31496234</id>
	<title>Re:old news?</title>
	<author>GeekGirl007</author>
	<datestamp>1268756640000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>You can do it on a Droid too. I love it!</htmltext>
<tokenext>You can do it on a Droid too .
I love it !</tokentext>
<sentencetext>You can do it on a Droid too.
I love it!</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494242</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494660</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>frankxcid</author>
	<datestamp>1268751120000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>What in the hell are all of you talking about, I have had free bill pay on all the banks I do business with for years. Europe has less freedom of choice.  Here in America if you don't want to use a check don't. If you don't want to accept a check, don't.  You europeans are so used to being told what to do that you cannot believe another country would leave it up to its citizens how to do banking.  Alas, don't worry, the national debt is getting to be like europe's so very soon we will be just as "advanced" as the rest of the "world" (by world i mean europe, since the other posts state that latin america, asia, and africa do not really exist)</htmltext>
<tokenext>What in the hell are all of you talking about , I have had free bill pay on all the banks I do business with for years .
Europe has less freedom of choice .
Here in America if you do n't want to use a check do n't .
If you do n't want to accept a check , do n't .
You europeans are so used to being told what to do that you can not believe another country would leave it up to its citizens how to do banking .
Alas , do n't worry , the national debt is getting to be like europe 's so very soon we will be just as " advanced " as the rest of the " world " ( by world i mean europe , since the other posts state that latin america , asia , and africa do not really exist )</tokentext>
<sentencetext>What in the hell are all of you talking about, I have had free bill pay on all the banks I do business with for years.
Europe has less freedom of choice.
Here in America if you don't want to use a check don't.
If you don't want to accept a check, don't.
You europeans are so used to being told what to do that you cannot believe another country would leave it up to its citizens how to do banking.
Alas, don't worry, the national debt is getting to be like europe's so very soon we will be just as "advanced" as the rest of the "world" (by world i mean europe, since the other posts state that latin america, asia, and africa do not really exist)</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31496956</id>
	<title>Re:I hate cheques!</title>
	<author>ELitwin</author>
	<datestamp>1268759100000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Technically, this doesn't eliminate float - it just transfers it from one party to another. One party loses interest by having the funds transferred out faster, while the other party gains the extra interest by having the funds transferred in faster.</htmltext>
<tokenext>Technically , this does n't eliminate float - it just transfers it from one party to another .
One party loses interest by having the funds transferred out faster , while the other party gains the extra interest by having the funds transferred in faster .</tokentext>
<sentencetext>Technically, this doesn't eliminate float - it just transfers it from one party to another.
One party loses interest by having the funds transferred out faster, while the other party gains the extra interest by having the funds transferred in faster.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494030</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31496270</id>
	<title>Re:Floating dowm profit river</title>
	<author>tompaulco</author>
	<datestamp>1268756820000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>To expand on this, the other lie in the article is that banks are sending paper winging around the country. While it is true that some banks still do this, most of the large banks have their own private image sharing network where they scan the checks on high speed scanners (usually around 1200-2000 docs per minute), or even on check scanners at the tell station, and then send the image to the bank that the check originated on. I worked for a company that built and hosted an image exchange that ANY bank could get on and do this (the national bank of Singapore was their first customer).
The bulk of checks deposited clear overnight, and the funds from the check you wrote your buddy will be withdrawn from your account overnight, but he may not be able to spend the funds for anywhere from a day to, depending on the amount, as much as two weeks later.</htmltext>
<tokenext>To expand on this , the other lie in the article is that banks are sending paper winging around the country .
While it is true that some banks still do this , most of the large banks have their own private image sharing network where they scan the checks on high speed scanners ( usually around 1200-2000 docs per minute ) , or even on check scanners at the tell station , and then send the image to the bank that the check originated on .
I worked for a company that built and hosted an image exchange that ANY bank could get on and do this ( the national bank of Singapore was their first customer ) .
The bulk of checks deposited clear overnight , and the funds from the check you wrote your buddy will be withdrawn from your account overnight , but he may not be able to spend the funds for anywhere from a day to , depending on the amount , as much as two weeks later .</tokentext>
<sentencetext>To expand on this, the other lie in the article is that banks are sending paper winging around the country.
While it is true that some banks still do this, most of the large banks have their own private image sharing network where they scan the checks on high speed scanners (usually around 1200-2000 docs per minute), or even on check scanners at the tell station, and then send the image to the bank that the check originated on.
I worked for a company that built and hosted an image exchange that ANY bank could get on and do this (the national bank of Singapore was their first customer).
The bulk of checks deposited clear overnight, and the funds from the check you wrote your buddy will be withdrawn from your account overnight, but he may not be able to spend the funds for anywhere from a day to, depending on the amount, as much as two weeks later.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494096</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31496070</id>
	<title>Re:It must be at least 10 years ago</title>
	<author>Anonymous</author>
	<datestamp>1268756040000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Cheques are very popular in France, and not going to go extinct any time soon here.</p></htmltext>
<tokenext>Cheques are very popular in France , and not going to go extinct any time soon here .</tokentext>
<sentencetext>Cheques are very popular in France, and not going to go extinct any time soon here.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494068</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31520390</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>bluewolfcub</author>
	<datestamp>1268909820000</datestamp>
	<modclass>None</modclass>
	<modscore>-1</modscore>
	<htmltext><p><div class="quote"><p>The only thing worse is the system for paying utilities, I have lived in 3 places only one of them actually had a system to automaticly withdrawn the exact amount I owed them each money. For the others I have to make to setup an automatic payment of what I guess it will be then once a year we reconsile. It is really going to suck this year because of the cold temperatures last summer and this winter.</p></div><p>Wha? All our utilities take direct debit where I live...</p></div>
	</htmltext>
<tokenext>The only thing worse is the system for paying utilities , I have lived in 3 places only one of them actually had a system to automaticly withdrawn the exact amount I owed them each money .
For the others I have to make to setup an automatic payment of what I guess it will be then once a year we reconsile .
It is really going to suck this year because of the cold temperatures last summer and this winter.Wha ?
All our utilities take direct debit where I live.. .</tokentext>
<sentencetext>The only thing worse is the system for paying utilities, I have lived in 3 places only one of them actually had a system to automaticly withdrawn the exact amount I owed them each money.
For the others I have to make to setup an automatic payment of what I guess it will be then once a year we reconsile.
It is really going to suck this year because of the cold temperatures last summer and this winter.Wha?
All our utilities take direct debit where I live...
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494986</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494248</id>
	<title>Digital Credit Union</title>
	<author>self assembled struc</author>
	<datestamp>1268749020000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>3</modscore>
	<htmltext><p>Not only do you get some sort of possible bizzare nerd cred for using DEC's old credit union, but just like USAA, you've been able to deposit via check for about 3 years now.  Sure DCU has no snazzy iPhone app, but, damned if i've ever lived near one of their banks in my lifetime.</p></htmltext>
<tokenext>Not only do you get some sort of possible bizzare nerd cred for using DEC 's old credit union , but just like USAA , you 've been able to deposit via check for about 3 years now .
Sure DCU has no snazzy iPhone app , but , damned if i 've ever lived near one of their banks in my lifetime .</tokentext>
<sentencetext>Not only do you get some sort of possible bizzare nerd cred for using DEC's old credit union, but just like USAA, you've been able to deposit via check for about 3 years now.
Sure DCU has no snazzy iPhone app, but, damned if i've ever lived near one of their banks in my lifetime.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495528</id>
	<title>Maybe we're not</title>
	<author>Quiet\_Desperation</author>
	<datestamp>1268754060000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>It's mostly the old farts writing checks, and I mean *old*. I'm 44 and I've been doing online bill pay since 1999 with Yahoo and then going to my credit union's own system when Yahoo dropped the service.</p><p>I keep a book of checks around for big ticket items like home improvement projects or car down payments. For groceries and other relatively small expenses I just use a credit card that I pay off each month. I have my whole life routed through one card that gives me gift certificates. There's also "check cards" and most places let you use an ATM card right there in the store. We actually have quite a lot of options now that I think about it.</p><p>Maybe checks were more ingrained into the USA? We still have a cottage industry of companies that will do custom checks with photos or user selected artwork. I once thought about getting checks with satanic symbols on them in the off chance that periodically some religious person at some company would be too scared to cash it.<nobr> <wbr></nobr>:-)</p></htmltext>
<tokenext>It 's mostly the old farts writing checks , and I mean * old * .
I 'm 44 and I 've been doing online bill pay since 1999 with Yahoo and then going to my credit union 's own system when Yahoo dropped the service.I keep a book of checks around for big ticket items like home improvement projects or car down payments .
For groceries and other relatively small expenses I just use a credit card that I pay off each month .
I have my whole life routed through one card that gives me gift certificates .
There 's also " check cards " and most places let you use an ATM card right there in the store .
We actually have quite a lot of options now that I think about it.Maybe checks were more ingrained into the USA ?
We still have a cottage industry of companies that will do custom checks with photos or user selected artwork .
I once thought about getting checks with satanic symbols on them in the off chance that periodically some religious person at some company would be too scared to cash it .
: - )</tokentext>
<sentencetext>It's mostly the old farts writing checks, and I mean *old*.
I'm 44 and I've been doing online bill pay since 1999 with Yahoo and then going to my credit union's own system when Yahoo dropped the service.I keep a book of checks around for big ticket items like home improvement projects or car down payments.
For groceries and other relatively small expenses I just use a credit card that I pay off each month.
I have my whole life routed through one card that gives me gift certificates.
There's also "check cards" and most places let you use an ATM card right there in the store.
We actually have quite a lot of options now that I think about it.Maybe checks were more ingrained into the USA?
We still have a cottage industry of companies that will do custom checks with photos or user selected artwork.
I once thought about getting checks with satanic symbols on them in the off chance that periodically some religious person at some company would be too scared to cash it.
:-)</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</id>
	<title>USAA has been doing this for years</title>
	<author>Anonymous</author>
	<datestamp>1268747760000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>5</modscore>
	<htmltext><p>USAA has offered "Deposit@Home" for years. Instead of taking a photo you can just scan the check and upload it. The only problem is they require you to have a credit card with them as well to qualify for the service. Hopefully, if other banks offer this service for free than USAA will change that policy. I hate having to mail in checks and sit around for two weeks waiting for them to deposit it.</p></htmltext>
<tokenext>USAA has offered " Deposit @ Home " for years .
Instead of taking a photo you can just scan the check and upload it .
The only problem is they require you to have a credit card with them as well to qualify for the service .
Hopefully , if other banks offer this service for free than USAA will change that policy .
I hate having to mail in checks and sit around for two weeks waiting for them to deposit it .</tokentext>
<sentencetext>USAA has offered "Deposit@Home" for years.
Instead of taking a photo you can just scan the check and upload it.
The only problem is they require you to have a credit card with them as well to qualify for the service.
Hopefully, if other banks offer this service for free than USAA will change that policy.
I hate having to mail in checks and sit around for two weeks waiting for them to deposit it.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494718</id>
	<title>Re:Say hello to mega fraud...</title>
	<author>clone53421</author>
	<datestamp>1268751300000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>You&rsquo;d have to get a photograph of both sides of the check.</p><p>You&rsquo;d have to forge his signature on the back of the check, and this would eventually (we hope) be detected. You&rsquo;d be in deep shit, and he&rsquo;d get his money.</p><p>Unless he had already blank-endorsed the check, which is really his fault... if he wrote &ldquo;For deposit only&rdquo;, you&rsquo;d only be able to deposit the check into an bank account opened under his name.</p></htmltext>
<tokenext>You    d have to get a photograph of both sides of the check.You    d have to forge his signature on the back of the check , and this would eventually ( we hope ) be detected .
You    d be in deep shit , and he    d get his money.Unless he had already blank-endorsed the check , which is really his fault... if he wrote    For deposit only    , you    d only be able to deposit the check into an bank account opened under his name .</tokentext>
<sentencetext>You’d have to get a photograph of both sides of the check.You’d have to forge his signature on the back of the check, and this would eventually (we hope) be detected.
You’d be in deep shit, and he’d get his money.Unless he had already blank-endorsed the check, which is really his fault... if he wrote “For deposit only”, you’d only be able to deposit the check into an bank account opened under his name.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494390</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494042</id>
	<title>1000 years of darkness ending now?</title>
	<author>Anonymous</author>
	<datestamp>1268747940000</datestamp>
	<modclass>Offtopic</modclass>
	<modscore>-1</modscore>
	<htmltext><p>it's about time.</p><p>&amp; never a better time to consult with/trust in your creators. the lights are coming up now as never before. the creators' wwwildly popular, newclear powered planet/population rescue initiative/mandate is working perfectly. no surprise there.</p></htmltext>
<tokenext>it 's about time.&amp; never a better time to consult with/trust in your creators .
the lights are coming up now as never before .
the creators ' wwwildly popular , newclear powered planet/population rescue initiative/mandate is working perfectly .
no surprise there .</tokentext>
<sentencetext>it's about time.&amp; never a better time to consult with/trust in your creators.
the lights are coming up now as never before.
the creators' wwwildly popular, newclear powered planet/population rescue initiative/mandate is working perfectly.
no surprise there.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494840</id>
	<title>Re:I hate cheques!</title>
	<author>FSWKU</author>
	<datestamp>1268751600000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I do the same thing. I only use them for paying rent, and for paying utilities (since the ass-backwards utility company wants to charge a $5 "transaction fee" to pay with a card online). For everything else, there's my debit card or (rarely) cash. Of course I don't sit and wait for my balance to update, either. Once the card is swiped or the cheque leaves my hand, that money is mentally gone. Whenever I get home at the end of the day, all receipts are entered into gnucash, and that's the balance I go by. That way there is no looking at my online balance and having to adjust the numbers in my head for things that have not yet processed.</htmltext>
<tokenext>I do the same thing .
I only use them for paying rent , and for paying utilities ( since the ass-backwards utility company wants to charge a $ 5 " transaction fee " to pay with a card online ) .
For everything else , there 's my debit card or ( rarely ) cash .
Of course I do n't sit and wait for my balance to update , either .
Once the card is swiped or the cheque leaves my hand , that money is mentally gone .
Whenever I get home at the end of the day , all receipts are entered into gnucash , and that 's the balance I go by .
That way there is no looking at my online balance and having to adjust the numbers in my head for things that have not yet processed .</tokentext>
<sentencetext>I do the same thing.
I only use them for paying rent, and for paying utilities (since the ass-backwards utility company wants to charge a $5 "transaction fee" to pay with a card online).
For everything else, there's my debit card or (rarely) cash.
Of course I don't sit and wait for my balance to update, either.
Once the card is swiped or the cheque leaves my hand, that money is mentally gone.
Whenever I get home at the end of the day, all receipts are entered into gnucash, and that's the balance I go by.
That way there is no looking at my online balance and having to adjust the numbers in my head for things that have not yet processed.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494030</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494178</id>
	<title>old news</title>
	<author>loafula</author>
	<datestamp>1268748600000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>I've been doing this on my ipone for months</htmltext>
<tokenext>I 've been doing this on my ipone for months</tokentext>
<sentencetext>I've been doing this on my ipone for months</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31493950</id>
	<title>Checks</title>
	<author>Anonymous</author>
	<datestamp>1268747460000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>5</modscore>
	<htmltext><p>Or what if US just stops using inferior checks and just wires money like rest of the world? It's also possible to even push money in to credit cards directly, in addition to normal bank wires. Checks are insecure, inconvenient and pretty useless in today's electronic world. For non-electronical purposes you can just use cash.</p></htmltext>
<tokenext>Or what if US just stops using inferior checks and just wires money like rest of the world ?
It 's also possible to even push money in to credit cards directly , in addition to normal bank wires .
Checks are insecure , inconvenient and pretty useless in today 's electronic world .
For non-electronical purposes you can just use cash .</tokentext>
<sentencetext>Or what if US just stops using inferior checks and just wires money like rest of the world?
It's also possible to even push money in to credit cards directly, in addition to normal bank wires.
Checks are insecure, inconvenient and pretty useless in today's electronic world.
For non-electronical purposes you can just use cash.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31497152</id>
	<title>Re:Digital Credit Union</title>
	<author>bastion\_xx</author>
	<datestamp>1268759760000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>With all the talk about USAA I was wondering is DCU would be mentioned. Back in my DEC days I used them but dropped off after leaving. Ironically, they have a local branch in Alpharetta (next to a good Indian food store, so two birds, one stone).<br><br>As you mention, the site isn't anything special, but the services match up with other banks and credit unions (heck, all use only a few back end services), but they are nice to work with. I really wish I could have reused my old account number for the DEC nerd cred.</htmltext>
<tokenext>With all the talk about USAA I was wondering is DCU would be mentioned .
Back in my DEC days I used them but dropped off after leaving .
Ironically , they have a local branch in Alpharetta ( next to a good Indian food store , so two birds , one stone ) .As you mention , the site is n't anything special , but the services match up with other banks and credit unions ( heck , all use only a few back end services ) , but they are nice to work with .
I really wish I could have reused my old account number for the DEC nerd cred .</tokentext>
<sentencetext>With all the talk about USAA I was wondering is DCU would be mentioned.
Back in my DEC days I used them but dropped off after leaving.
Ironically, they have a local branch in Alpharetta (next to a good Indian food store, so two birds, one stone).As you mention, the site isn't anything special, but the services match up with other banks and credit unions (heck, all use only a few back end services), but they are nice to work with.
I really wish I could have reused my old account number for the DEC nerd cred.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494248</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495576</id>
	<title>Re:USAA has been doing this for years</title>
	<author>eDrifter</author>
	<datestamp>1268754240000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Yes, Deposit@home, scanning checks on your desk top has been around for years. Deposit@moble, snapping a pic of a check from your iPhone (or android?) has been around for about a year. This feature has been incredible since I live in the sticks and the closest bank has been lifted a dozen times in as many years. You just sign the check, write "For deposit only to..." and snap a pic of the front and back, your done! I should point out a couple pros/cons about the service:<br>

<b>The Good:</b>
Its just awesome!
The second I upload the photo of the check the money is available in my account. (checking or savings)
It save so much time, seriously, who goes to the bank? My Grandfather!
<br>
<b>The Bad:</b>
The app can be difficult to use, often having to take the picture repeatedly.
If you jack-up that signature line your SOL.
You do need a credit card with USAA to use this service.
There is a $10,000 limit to daily deposits.
<br>
<b>The Ugly:</b>
I recently received a call from USAA, one of the pictures did not come out... The check had been deposited almost three months prior to the call, and they took that money right out of my account and basically said "go get another check." My Grandfather, the originator of the check (he still gives me birthday money!) took advantage of the situation to give me one of those ol' time lectures about how he used to walk to the bank, in the snow...
<br>
- My Grandfather is my hero!</htmltext>
<tokenext>Yes , Deposit @ home , scanning checks on your desk top has been around for years .
Deposit @ moble , snapping a pic of a check from your iPhone ( or android ?
) has been around for about a year .
This feature has been incredible since I live in the sticks and the closest bank has been lifted a dozen times in as many years .
You just sign the check , write " For deposit only to... " and snap a pic of the front and back , your done !
I should point out a couple pros/cons about the service : The Good : Its just awesome !
The second I upload the photo of the check the money is available in my account .
( checking or savings ) It save so much time , seriously , who goes to the bank ?
My Grandfather !
The Bad : The app can be difficult to use , often having to take the picture repeatedly .
If you jack-up that signature line your SOL .
You do need a credit card with USAA to use this service .
There is a $ 10,000 limit to daily deposits .
The Ugly : I recently received a call from USAA , one of the pictures did not come out... The check had been deposited almost three months prior to the call , and they took that money right out of my account and basically said " go get another check .
" My Grandfather , the originator of the check ( he still gives me birthday money !
) took advantage of the situation to give me one of those ol ' time lectures about how he used to walk to the bank , in the snow.. . - My Grandfather is my hero !</tokentext>
<sentencetext>Yes, Deposit@home, scanning checks on your desk top has been around for years.
Deposit@moble, snapping a pic of a check from your iPhone (or android?
) has been around for about a year.
This feature has been incredible since I live in the sticks and the closest bank has been lifted a dozen times in as many years.
You just sign the check, write "For deposit only to..." and snap a pic of the front and back, your done!
I should point out a couple pros/cons about the service:

The Good:
Its just awesome!
The second I upload the photo of the check the money is available in my account.
(checking or savings)
It save so much time, seriously, who goes to the bank?
My Grandfather!
The Bad:
The app can be difficult to use, often having to take the picture repeatedly.
If you jack-up that signature line your SOL.
You do need a credit card with USAA to use this service.
There is a $10,000 limit to daily deposits.
The Ugly:
I recently received a call from USAA, one of the pictures did not come out... The check had been deposited almost three months prior to the call, and they took that money right out of my account and basically said "go get another check.
" My Grandfather, the originator of the check (he still gives me birthday money!
) took advantage of the situation to give me one of those ol' time lectures about how he used to walk to the bank, in the snow...

- My Grandfather is my hero!</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494078</id>
	<title>Re:Checks</title>
	<author>realsilly</author>
	<datestamp>1268748120000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>4</modscore>
	<htmltext><p>Good God, push your money into to credit cards directly?  Are you insane?  Can you imagine the fees the credit card companies can and would likely impose?</p><p>Your deposit is too small  - FEE<br>Your deposit is too big - FEE<br>Your deposit is greater than your minimum payment we'll just apply your paycheck to what you owe us and here's a Fee for that service - FEE<br>Your deposit is not every week - FEE<br>We don't like who you work for, they are not in our network - FEE<br>Your direct deposit bounced - FEE</p><p>Ok so those are a little crazy, but if you look at what credit card companies employ already, those aren't that far off.</p></htmltext>
<tokenext>Good God , push your money into to credit cards directly ?
Are you insane ?
Can you imagine the fees the credit card companies can and would likely impose ? Your deposit is too small - FEEYour deposit is too big - FEEYour deposit is greater than your minimum payment we 'll just apply your paycheck to what you owe us and here 's a Fee for that service - FEEYour deposit is not every week - FEEWe do n't like who you work for , they are not in our network - FEEYour direct deposit bounced - FEEOk so those are a little crazy , but if you look at what credit card companies employ already , those are n't that far off .</tokentext>
<sentencetext>Good God, push your money into to credit cards directly?
Are you insane?
Can you imagine the fees the credit card companies can and would likely impose?Your deposit is too small  - FEEYour deposit is too big - FEEYour deposit is greater than your minimum payment we'll just apply your paycheck to what you owe us and here's a Fee for that service - FEEYour deposit is not every week - FEEWe don't like who you work for, they are not in our network - FEEYour direct deposit bounced - FEEOk so those are a little crazy, but if you look at what credit card companies employ already, those aren't that far off.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31493950</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31498852</id>
	<title>Re:USAA has been doing this for years</title>
	<author>Anonymous</author>
	<datestamp>1268766240000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p><div class="quote"><p> The only problem is they require you to have a credit card with them as well to qualify for the service</p></div><p>I've used Deposit@Home for a few years and haven't ever had a USAA credit card, maybe you should try again?</p></div>
	</htmltext>
<tokenext>The only problem is they require you to have a credit card with them as well to qualify for the serviceI 've used Deposit @ Home for a few years and have n't ever had a USAA credit card , maybe you should try again ?</tokentext>
<sentencetext> The only problem is they require you to have a credit card with them as well to qualify for the serviceI've used Deposit@Home for a few years and haven't ever had a USAA credit card, maybe you should try again?
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31502872</id>
	<title>Re:Checks are "old school"</title>
	<author>Anonymous</author>
	<datestamp>1268741760000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>The real question is: when can crooks send a picture of a gun and get funds transferred back to them?  That would make things more efficient.</p></htmltext>
<tokenext>The real question is : when can crooks send a picture of a gun and get funds transferred back to them ?
That would make things more efficient .</tokentext>
<sentencetext>The real question is: when can crooks send a picture of a gun and get funds transferred back to them?
That would make things more efficient.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494186</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494168</id>
	<title>If you can't join USAA</title>
	<author>mahsah</author>
	<datestamp>1268748600000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>2</modscore>
	<htmltext><p>Some credit unions offer this service as well; I'm using Alliant Credit union's eDepositplus and its working great. You just need to donate to a PTA or certain charities to join, not hard at all.</p></htmltext>
<tokenext>Some credit unions offer this service as well ; I 'm using Alliant Credit union 's eDepositplus and its working great .
You just need to donate to a PTA or certain charities to join , not hard at all .</tokentext>
<sentencetext>Some credit unions offer this service as well; I'm using Alliant Credit union's eDepositplus and its working great.
You just need to donate to a PTA or certain charities to join, not hard at all.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31498210</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>geekoid</author>
	<datestamp>1268763780000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Don't get information about the US on slashdot. I haven't used a check in years either.</p><p>However, the banks make a lot of money from bad checks, so they will likely keep them around in the guise of helping people to 'float' while slapping them with a lot of fees if the check is bad. People who start doing this end up in a spiral that puts them in debt to the bank.</p><p>The banks have very little incentive to move away from checks.</p></htmltext>
<tokenext>Do n't get information about the US on slashdot .
I have n't used a check in years either.However , the banks make a lot of money from bad checks , so they will likely keep them around in the guise of helping people to 'float ' while slapping them with a lot of fees if the check is bad .
People who start doing this end up in a spiral that puts them in debt to the bank.The banks have very little incentive to move away from checks .</tokentext>
<sentencetext>Don't get information about the US on slashdot.
I haven't used a check in years either.However, the banks make a lot of money from bad checks, so they will likely keep them around in the guise of helping people to 'float' while slapping them with a lot of fees if the check is bad.
People who start doing this end up in a spiral that puts them in debt to the bank.The banks have very little incentive to move away from checks.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31499966</id>
	<title>Re:Scanning a check exists now</title>
	<author>Anonymous</author>
	<datestamp>1268770500000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Or if you live in Washington State you could switch to BECU... where JPEG upload is standard and a applet is provided as only a option.</p></htmltext>
<tokenext>Or if you live in Washington State you could switch to BECU... where JPEG upload is standard and a applet is provided as only a option .</tokentext>
<sentencetext>Or if you live in Washington State you could switch to BECU... where JPEG upload is standard and a applet is provided as only a option.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494324</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494362</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>bickerdyke</author>
	<datestamp>1268749680000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Another poster stated fees of $25 for transfering money.</p><p>I'd stick to sending those clumsy paper forms too...</p></htmltext>
<tokenext>Another poster stated fees of $ 25 for transfering money.I 'd stick to sending those clumsy paper forms too.. .</tokentext>
<sentencetext>Another poster stated fees of $25 for transfering money.I'd stick to sending those clumsy paper forms too...</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494180</id>
	<title>Re:USAA has been doing this for years</title>
	<author>japhering</author>
	<datestamp>1268748660000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext><blockquote><div><p>USAA has offered "Deposit@Home" for years. Instead of taking a photo you can just scan the check and upload it. The only problem is they require you to have a credit card with them as well to qualify for the service. Hopefully, if other banks offer this service for free than USAA will change that policy. I hate having to mail in checks and sit around for two weeks waiting for them to deposit it.</p></div></blockquote><p>USAA has been offering services via cell phone including check deposits for better than a year now.  Everything you can do via computer and the web you can do via cell phone</p></div>
	</htmltext>
<tokenext>USAA has offered " Deposit @ Home " for years .
Instead of taking a photo you can just scan the check and upload it .
The only problem is they require you to have a credit card with them as well to qualify for the service .
Hopefully , if other banks offer this service for free than USAA will change that policy .
I hate having to mail in checks and sit around for two weeks waiting for them to deposit it.USAA has been offering services via cell phone including check deposits for better than a year now .
Everything you can do via computer and the web you can do via cell phone</tokentext>
<sentencetext>USAA has offered "Deposit@Home" for years.
Instead of taking a photo you can just scan the check and upload it.
The only problem is they require you to have a credit card with them as well to qualify for the service.
Hopefully, if other banks offer this service for free than USAA will change that policy.
I hate having to mail in checks and sit around for two weeks waiting for them to deposit it.USAA has been offering services via cell phone including check deposits for better than a year now.
Everything you can do via computer and the web you can do via cell phone
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</id>
	<title>Why not all electronic? No really, why not?</title>
	<author>Anonymous</author>
	<datestamp>1268748300000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext><p>I mean this as a genuine question: why is the US so far behind Europe in this?</p><p>I haven't seen a cheque in years. Is it too expensive to move everyone over to electronic transfers (surely it's cheaper to get rid of cheque processing)? Too difficult to change the habits of a large population quickly? Concerns about fraud? Plain unwillingness to change? It can't be the recent banking crisis because we had that too...</p></htmltext>
<tokenext>I mean this as a genuine question : why is the US so far behind Europe in this ? I have n't seen a cheque in years .
Is it too expensive to move everyone over to electronic transfers ( surely it 's cheaper to get rid of cheque processing ) ?
Too difficult to change the habits of a large population quickly ?
Concerns about fraud ?
Plain unwillingness to change ?
It ca n't be the recent banking crisis because we had that too.. .</tokentext>
<sentencetext>I mean this as a genuine question: why is the US so far behind Europe in this?I haven't seen a cheque in years.
Is it too expensive to move everyone over to electronic transfers (surely it's cheaper to get rid of cheque processing)?
Too difficult to change the habits of a large population quickly?
Concerns about fraud?
Plain unwillingness to change?
It can't be the recent banking crisis because we had that too...</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31503216</id>
	<title>Re:Scanning a check exists now</title>
	<author>RandyOo</author>
	<datestamp>1268744100000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I've deposited quite a few rebate checks over the past few years using Deposit@Home without any problems. Even deposited a USPS money order (purchased on base), as a last-resort way to get cash from my wallet in Germany into my USAA bank account.</p><p>If memory serves, there may have been one rebate check (out of dozens) that the system couldn't handle. Might be worth your while to give it another shot...</p></htmltext>
<tokenext>I 've deposited quite a few rebate checks over the past few years using Deposit @ Home without any problems .
Even deposited a USPS money order ( purchased on base ) , as a last-resort way to get cash from my wallet in Germany into my USAA bank account.If memory serves , there may have been one rebate check ( out of dozens ) that the system could n't handle .
Might be worth your while to give it another shot.. .</tokentext>
<sentencetext>I've deposited quite a few rebate checks over the past few years using Deposit@Home without any problems.
Even deposited a USPS money order (purchased on base), as a last-resort way to get cash from my wallet in Germany into my USAA bank account.If memory serves, there may have been one rebate check (out of dozens) that the system couldn't handle.
Might be worth your while to give it another shot...</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494324</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494554</id>
	<title>Security Issues</title>
	<author>wiredog</author>
	<datestamp>1268750640000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I don't know about Europe, but in the US banks eat the cost for someone vacuuming out a personal account.  Businesses are on their own, however. See <a href="http://www.krebsonsecurity.com/" title="krebsonsecurity.com">Krebs on Security</a> [krebsonsecurity.com] for fun details.</p></htmltext>
<tokenext>I do n't know about Europe , but in the US banks eat the cost for someone vacuuming out a personal account .
Businesses are on their own , however .
See Krebs on Security [ krebsonsecurity.com ] for fun details .</tokentext>
<sentencetext>I don't know about Europe, but in the US banks eat the cost for someone vacuuming out a personal account.
Businesses are on their own, however.
See Krebs on Security [krebsonsecurity.com] for fun details.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31496022</id>
	<title>Re:Interesting stopgap</title>
	<author>Anonymous</author>
	<datestamp>1268755800000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>As a Europeean who has lived in the US, there are some things that checks are good for.  Person-to-person payments, as noted above, e.g., if I go out looking at different second hand bikes it is convenient to be able to write a check to the seller, not having to bring with me a lot of cash.<br>There is no electronic way to handle such a situation, at the moment at least.</p></htmltext>
<tokenext>As a Europeean who has lived in the US , there are some things that checks are good for .
Person-to-person payments , as noted above , e.g. , if I go out looking at different second hand bikes it is convenient to be able to write a check to the seller , not having to bring with me a lot of cash.There is no electronic way to handle such a situation , at the moment at least .</tokentext>
<sentencetext>As a Europeean who has lived in the US, there are some things that checks are good for.
Person-to-person payments, as noted above, e.g., if I go out looking at different second hand bikes it is convenient to be able to write a check to the seller, not having to bring with me a lot of cash.There is no electronic way to handle such a situation, at the moment at least.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494254</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495230</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>xaxa</author>
	<datestamp>1268752980000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>Wire transfers are readily available here but I rarely use them.  Why should I?</p></div><p>- Instant money transfer<br>- Free (for people) or the cheapest option (for businesses)<br>- No chance of reversing/cancelling them<br>- No chance of them getting lost<br>- No need to go to the bank with a bit of paper</p></div>
	</htmltext>
<tokenext>Wire transfers are readily available here but I rarely use them .
Why should I ? - Instant money transfer- Free ( for people ) or the cheapest option ( for businesses ) - No chance of reversing/cancelling them- No chance of them getting lost- No need to go to the bank with a bit of paper</tokentext>
<sentencetext>Wire transfers are readily available here but I rarely use them.
Why should I?- Instant money transfer- Free (for people) or the cheapest option (for businesses)- No chance of reversing/cancelling them- No chance of them getting lost- No need to go to the bank with a bit of paper
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494194</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494028</id>
	<title>Scanning a check exists now</title>
	<author>yog</author>
	<datestamp>1268747880000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>4</modscore>
	<htmltext><p>USAA lets me scan a check for instant deposit using a Windows browser, a Java applet and an attached scanner.</p><p>I'm a Linux kind of guy and, sadly, I have not found a way to make it work on my Ubuntu and Suse systems.  But, it works great with my Windows laptop and it's simply the next best thing to direct deposit.</p><p>Obviously, a good secure app for smartphones (hopefully one is coming soon for Android but they've only announced for iPhone so far) will be a step beyond the scanner approach.</p><p>I kind of like the idea that someone hands me a check, and by the time they have closed their briefcase I have already made the deposit.  No more canceling.  It would be interesting to see if they can determine whether the check is good or not, and send instant feedback.</p><p>The next step is going to be depositing cash.  I would love to be able to quickly scan my cash into my account, and then tear up the paper money (honors system).  Hmm; gotta think that one through a bit more.</p></htmltext>
<tokenext>USAA lets me scan a check for instant deposit using a Windows browser , a Java applet and an attached scanner.I 'm a Linux kind of guy and , sadly , I have not found a way to make it work on my Ubuntu and Suse systems .
But , it works great with my Windows laptop and it 's simply the next best thing to direct deposit.Obviously , a good secure app for smartphones ( hopefully one is coming soon for Android but they 've only announced for iPhone so far ) will be a step beyond the scanner approach.I kind of like the idea that someone hands me a check , and by the time they have closed their briefcase I have already made the deposit .
No more canceling .
It would be interesting to see if they can determine whether the check is good or not , and send instant feedback.The next step is going to be depositing cash .
I would love to be able to quickly scan my cash into my account , and then tear up the paper money ( honors system ) .
Hmm ; got ta think that one through a bit more .</tokentext>
<sentencetext>USAA lets me scan a check for instant deposit using a Windows browser, a Java applet and an attached scanner.I'm a Linux kind of guy and, sadly, I have not found a way to make it work on my Ubuntu and Suse systems.
But, it works great with my Windows laptop and it's simply the next best thing to direct deposit.Obviously, a good secure app for smartphones (hopefully one is coming soon for Android but they've only announced for iPhone so far) will be a step beyond the scanner approach.I kind of like the idea that someone hands me a check, and by the time they have closed their briefcase I have already made the deposit.
No more canceling.
It would be interesting to see if they can determine whether the check is good or not, and send instant feedback.The next step is going to be depositing cash.
I would love to be able to quickly scan my cash into my account, and then tear up the paper money (honors system).
Hmm; gotta think that one through a bit more.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31496134</id>
	<title>Actual question: Why is the US so far behind</title>
	<author>aussersterne</author>
	<datestamp>1268756340000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Europe (and Asia) in every . last . thing . on . earth ?</p><p>Answer: STUPID, ideologically blinkered, ultracapitalist/fascist public that votes against their own interests aggressively, continuously, and with tremendous joy, each believing that they will one day be the CEO of a major corporation or investment firm with six Bentleys and a pony (despite the fact that they are an unemployed plumber right now), and wanting to preserve every last advantage for themselves on . that . day .</p></htmltext>
<tokenext>Europe ( and Asia ) in every .
last .
thing .
on .
earth ? Answer : STUPID , ideologically blinkered , ultracapitalist/fascist public that votes against their own interests aggressively , continuously , and with tremendous joy , each believing that they will one day be the CEO of a major corporation or investment firm with six Bentleys and a pony ( despite the fact that they are an unemployed plumber right now ) , and wanting to preserve every last advantage for themselves on .
that .
day .</tokentext>
<sentencetext>Europe (and Asia) in every .
last .
thing .
on .
earth ?Answer: STUPID, ideologically blinkered, ultracapitalist/fascist public that votes against their own interests aggressively, continuously, and with tremendous joy, each believing that they will one day be the CEO of a major corporation or investment firm with six Bentleys and a pony (despite the fact that they are an unemployed plumber right now), and wanting to preserve every last advantage for themselves on .
that .
day .</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494250</id>
	<title>Re:Floating dowm profit river</title>
	<author>jimicus</author>
	<datestamp>1268749020000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>The bankers call "float" a scam, are all bankers scam artists?</p></div><p>I think events of the last couple of years make the answer to that fairly obvious.</p></div>
	</htmltext>
<tokenext>The bankers call " float " a scam , are all bankers scam artists ? I think events of the last couple of years make the answer to that fairly obvious .</tokentext>
<sentencetext>The bankers call "float" a scam, are all bankers scam artists?I think events of the last couple of years make the answer to that fairly obvious.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494096</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494716</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>MightyYar</author>
	<datestamp>1268751300000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>I mean this as a genuine question: why is the US so far behind Europe in this?</p></div><p>Are we really so far behind? I can write a check anywhere in the 3.5 million square miles of the US to any of the 300 million inhabitants. Any of those people can take that piece of paper to any bank or check cashing establishment that they desire and get their money. If for some reason I don't have a checking account, I can get a money order from any convenience store and use that in exactly the same way.</p><p>Furthermore, most of our bills can be paid electronically, and most banks allow free electronic transfers between linked accounts. The number of checks one has to write each month is actually vanishingly small.</p><p>So Europe may have a more technologically advanced system, and it may be less susceptible to fraud, and it may be cheaper for the banks... but is it really "ahead"?</p></div>
	</htmltext>
<tokenext>I mean this as a genuine question : why is the US so far behind Europe in this ? Are we really so far behind ?
I can write a check anywhere in the 3.5 million square miles of the US to any of the 300 million inhabitants .
Any of those people can take that piece of paper to any bank or check cashing establishment that they desire and get their money .
If for some reason I do n't have a checking account , I can get a money order from any convenience store and use that in exactly the same way.Furthermore , most of our bills can be paid electronically , and most banks allow free electronic transfers between linked accounts .
The number of checks one has to write each month is actually vanishingly small.So Europe may have a more technologically advanced system , and it may be less susceptible to fraud , and it may be cheaper for the banks... but is it really " ahead " ?</tokentext>
<sentencetext>I mean this as a genuine question: why is the US so far behind Europe in this?Are we really so far behind?
I can write a check anywhere in the 3.5 million square miles of the US to any of the 300 million inhabitants.
Any of those people can take that piece of paper to any bank or check cashing establishment that they desire and get their money.
If for some reason I don't have a checking account, I can get a money order from any convenience store and use that in exactly the same way.Furthermore, most of our bills can be paid electronically, and most banks allow free electronic transfers between linked accounts.
The number of checks one has to write each month is actually vanishingly small.So Europe may have a more technologically advanced system, and it may be less susceptible to fraud, and it may be cheaper for the banks... but is it really "ahead"?
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494994</id>
	<title>Re:USAA has been doing this for years</title>
	<author>Anonymous</author>
	<datestamp>1268752140000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>USAA also offers Deposit@Mobile, which lets you do just this.  You login using the USAA iPhone app, enter the deposit information, and take a front and back picture of the check.  Faster than 4 days to mail it to San Antonio or wait until you get home to scan it in.</p></htmltext>
<tokenext>USAA also offers Deposit @ Mobile , which lets you do just this .
You login using the USAA iPhone app , enter the deposit information , and take a front and back picture of the check .
Faster than 4 days to mail it to San Antonio or wait until you get home to scan it in .</tokentext>
<sentencetext>USAA also offers Deposit@Mobile, which lets you do just this.
You login using the USAA iPhone app, enter the deposit information, and take a front and back picture of the check.
Faster than 4 days to mail it to San Antonio or wait until you get home to scan it in.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31502226</id>
	<title>Re:Say hello to mega fraud...</title>
	<author>Jaime2</author>
	<datestamp>1268738100000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>The best part is that they'll never figure out who did it!!!!  Oh, wait.<br>
<br>
Anybody you have ever written a check has the technical means to drain your bank account tomorrow.  Unfortunately, with this type of check fraud, it is really easy to identify who did it.<br>
<br>
I would be more concerned about being framed than being scammed with this.  Unfortunately, being framed doesn't require you to do anything, just the existence of the technology.</htmltext>
<tokenext>The best part is that they 'll never figure out who did it ! ! ! !
Oh , wait .
Anybody you have ever written a check has the technical means to drain your bank account tomorrow .
Unfortunately , with this type of check fraud , it is really easy to identify who did it .
I would be more concerned about being framed than being scammed with this .
Unfortunately , being framed does n't require you to do anything , just the existence of the technology .</tokentext>
<sentencetext>The best part is that they'll never figure out who did it!!!!
Oh, wait.
Anybody you have ever written a check has the technical means to drain your bank account tomorrow.
Unfortunately, with this type of check fraud, it is really easy to identify who did it.
I would be more concerned about being framed than being scammed with this.
Unfortunately, being framed doesn't require you to do anything, just the existence of the technology.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494390</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494212</id>
	<title>Re:Scanning a check exists now</title>
	<author>loafula</author>
	<datestamp>1268748780000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>USAA has both an iPhone and Android app. The android app requires OS version 1.6, so it won't run on an Eris unless you upgrade to 2.1 with the leaked firmware. I don't have the link handy, but it's somewhere in here <a href="http://androidforums.com/htc-droid-eris/" title="androidforums.com">http://androidforums.com/htc-droid-eris/</a> [androidforums.com]</htmltext>
<tokenext>USAA has both an iPhone and Android app .
The android app requires OS version 1.6 , so it wo n't run on an Eris unless you upgrade to 2.1 with the leaked firmware .
I do n't have the link handy , but it 's somewhere in here http : //androidforums.com/htc-droid-eris/ [ androidforums.com ]</tokentext>
<sentencetext>USAA has both an iPhone and Android app.
The android app requires OS version 1.6, so it won't run on an Eris unless you upgrade to 2.1 with the leaked firmware.
I don't have the link handy, but it's somewhere in here http://androidforums.com/htc-droid-eris/ [androidforums.com]</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494028</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494030</id>
	<title>I hate cheques!</title>
	<author>bsDaemon</author>
	<datestamp>1268747880000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>4</modscore>
	<htmltext>First off, why would people be critical of eliminating float?!  This is the worst part of using cheques -- sort of like making a "credit" purchase on a debit card.  If I'm paying someone, I want them to take the money out of my account NOW so that my balance updates immediately.  Of course, no one really takes cheques anyway except for leasing offices and the like -- people who know where you live without a shadow of a doubt.  I only ever write cheques for my leasing office, which is why I'm still on the same box I've had since I was 18... which reminds me, I sort of need to get some more.</htmltext>
<tokenext>First off , why would people be critical of eliminating float ? !
This is the worst part of using cheques -- sort of like making a " credit " purchase on a debit card .
If I 'm paying someone , I want them to take the money out of my account NOW so that my balance updates immediately .
Of course , no one really takes cheques anyway except for leasing offices and the like -- people who know where you live without a shadow of a doubt .
I only ever write cheques for my leasing office , which is why I 'm still on the same box I 've had since I was 18... which reminds me , I sort of need to get some more .</tokentext>
<sentencetext>First off, why would people be critical of eliminating float?!
This is the worst part of using cheques -- sort of like making a "credit" purchase on a debit card.
If I'm paying someone, I want them to take the money out of my account NOW so that my balance updates immediately.
Of course, no one really takes cheques anyway except for leasing offices and the like -- people who know where you live without a shadow of a doubt.
I only ever write cheques for my leasing office, which is why I'm still on the same box I've had since I was 18... which reminds me, I sort of need to get some more.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495000</id>
	<title>Re:Interesting stopgap</title>
	<author>ArsenneLupin</author>
	<datestamp>1268752200000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>Checks are old-fashioned, but what can replace them in the US? In the current banking system, giving out your account number for wire transfers isn't secure. I think Europe has figured out a way to do EFTs securely (chip and pin cards? PIN-based wire transfers?)</p></div><p>Nope, in some European countries (such as Germany), giving out your account number is not secure either. Knowing your number, companies can drain your account without your consent (Lastschrift). And electronic banking doesn't help there either, because here to, you need to know the account to which you are sending money, so the receiver still needs to trust you that you aren't doing anything funny with the number.</p><p>
In other countries (such as Luxembourg), such abuse is not possible.</p><p>
Interestingly enough, in those countries where withdrawing money by just knowing the account number is not possible, Paypal does not operate a full service (no withdrawals...). I wonder why that is...</p></div>
	</htmltext>
<tokenext>Checks are old-fashioned , but what can replace them in the US ?
In the current banking system , giving out your account number for wire transfers is n't secure .
I think Europe has figured out a way to do EFTs securely ( chip and pin cards ?
PIN-based wire transfers ?
) Nope , in some European countries ( such as Germany ) , giving out your account number is not secure either .
Knowing your number , companies can drain your account without your consent ( Lastschrift ) .
And electronic banking does n't help there either , because here to , you need to know the account to which you are sending money , so the receiver still needs to trust you that you are n't doing anything funny with the number .
In other countries ( such as Luxembourg ) , such abuse is not possible .
Interestingly enough , in those countries where withdrawing money by just knowing the account number is not possible , Paypal does not operate a full service ( no withdrawals... ) .
I wonder why that is.. .</tokentext>
<sentencetext>Checks are old-fashioned, but what can replace them in the US?
In the current banking system, giving out your account number for wire transfers isn't secure.
I think Europe has figured out a way to do EFTs securely (chip and pin cards?
PIN-based wire transfers?
)Nope, in some European countries (such as Germany), giving out your account number is not secure either.
Knowing your number, companies can drain your account without your consent (Lastschrift).
And electronic banking doesn't help there either, because here to, you need to know the account to which you are sending money, so the receiver still needs to trust you that you aren't doing anything funny with the number.
In other countries (such as Luxembourg), such abuse is not possible.
Interestingly enough, in those countries where withdrawing money by just knowing the account number is not possible, Paypal does not operate a full service (no withdrawals...).
I wonder why that is...
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494254</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494166</id>
	<title>Re:USAA has been doing this for years</title>
	<author>Anonymous</author>
	<datestamp>1268748600000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>They also have an iPhone app that lets you deposit checks using the phone's camera.</p></htmltext>
<tokenext>They also have an iPhone app that lets you deposit checks using the phone 's camera .</tokentext>
<sentencetext>They also have an iPhone app that lets you deposit checks using the phone's camera.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495082</id>
	<title>Re:USAA has been doing this for years</title>
	<author>Anonymous</author>
	<datestamp>1268752440000</datestamp>
	<modclass>Redundant</modclass>
	<modscore>0</modscore>
	<htmltext><p>Well I guess it just shows how the rest of the poor bastards that can't get USAA are finally realizing how great this service is. Too bad the other banks can't touch USAA's customer service record.</p></htmltext>
<tokenext>Well I guess it just shows how the rest of the poor bastards that ca n't get USAA are finally realizing how great this service is .
Too bad the other banks ca n't touch USAA 's customer service record .</tokentext>
<sentencetext>Well I guess it just shows how the rest of the poor bastards that can't get USAA are finally realizing how great this service is.
Too bad the other banks can't touch USAA's customer service record.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494006</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31498476</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>DCFusor</author>
	<datestamp>1268764800000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Because there is value in a paper trail, any competent programmer should know all these proposals are open to easy fraud.<p>
Further, where I live, in the boonies of SW VA, USA, checks are "in" bigtime.
Yes, we are sort of living in the past here.  People still trust one another -- is that bad?<br>
My checking account pays interest, and zero fees for the checks other then printing them.  Here if you forget your checkbook at the general store, you can just ask them to pay later -- interest free loan on your asking.
</p><p>
You city folk who sadly, are the majority think this and that are the best way, and perhaps in a trust-free society such as you've managed to create for yourselves, those ways are best -- for you.  But lets not forget that not all of us have gone down that road and see "catching up to you" as a very stupid move indeed.  That must be why they tax us to fix your roads, and you try to export all your pipelines and power plant pollution to us -- many of whom are off the grid and on solar power....Is your way really better for all, or just you?</p><p>

Where everyone knows everyone else, things are a lot different.  The cops know who did what without having to invade the privacy of the rest of us, and many other significant benefits accrue.  If we don't like what the county government does, we can go do something about it -- we outnumber them and aren't sheeple here.  Our cops are well known to all and if they become abusive, we fire them.  Can you do that?  We do with some regularity.

Remember this country is as strong as it is because of diversity.  Making one size fits all, \centralization of power which sadly isn't something that can be fixed by partison politics, as both parties do it, is the WRONG move.  Let's at least not break the parts that work trying to shore up the broken parts.
</p><p>
That's the tale of equality by slamming down all things that stick up - rather than bringing up the low, we simply chop off the high.  Sounds all "fair' but is that truly good?  I doubt it.</p></htmltext>
<tokenext>Because there is value in a paper trail , any competent programmer should know all these proposals are open to easy fraud .
Further , where I live , in the boonies of SW VA , USA , checks are " in " bigtime .
Yes , we are sort of living in the past here .
People still trust one another -- is that bad ?
My checking account pays interest , and zero fees for the checks other then printing them .
Here if you forget your checkbook at the general store , you can just ask them to pay later -- interest free loan on your asking .
You city folk who sadly , are the majority think this and that are the best way , and perhaps in a trust-free society such as you 've managed to create for yourselves , those ways are best -- for you .
But lets not forget that not all of us have gone down that road and see " catching up to you " as a very stupid move indeed .
That must be why they tax us to fix your roads , and you try to export all your pipelines and power plant pollution to us -- many of whom are off the grid and on solar power....Is your way really better for all , or just you ?
Where everyone knows everyone else , things are a lot different .
The cops know who did what without having to invade the privacy of the rest of us , and many other significant benefits accrue .
If we do n't like what the county government does , we can go do something about it -- we outnumber them and are n't sheeple here .
Our cops are well known to all and if they become abusive , we fire them .
Can you do that ?
We do with some regularity .
Remember this country is as strong as it is because of diversity .
Making one size fits all , \ centralization of power which sadly is n't something that can be fixed by partison politics , as both parties do it , is the WRONG move .
Let 's at least not break the parts that work trying to shore up the broken parts .
That 's the tale of equality by slamming down all things that stick up - rather than bringing up the low , we simply chop off the high .
Sounds all " fair ' but is that truly good ?
I doubt it .</tokentext>
<sentencetext>Because there is value in a paper trail, any competent programmer should know all these proposals are open to easy fraud.
Further, where I live, in the boonies of SW VA, USA, checks are "in" bigtime.
Yes, we are sort of living in the past here.
People still trust one another -- is that bad?
My checking account pays interest, and zero fees for the checks other then printing them.
Here if you forget your checkbook at the general store, you can just ask them to pay later -- interest free loan on your asking.
You city folk who sadly, are the majority think this and that are the best way, and perhaps in a trust-free society such as you've managed to create for yourselves, those ways are best -- for you.
But lets not forget that not all of us have gone down that road and see "catching up to you" as a very stupid move indeed.
That must be why they tax us to fix your roads, and you try to export all your pipelines and power plant pollution to us -- many of whom are off the grid and on solar power....Is your way really better for all, or just you?
Where everyone knows everyone else, things are a lot different.
The cops know who did what without having to invade the privacy of the rest of us, and many other significant benefits accrue.
If we don't like what the county government does, we can go do something about it -- we outnumber them and aren't sheeple here.
Our cops are well known to all and if they become abusive, we fire them.
Can you do that?
We do with some regularity.
Remember this country is as strong as it is because of diversity.
Making one size fits all, \centralization of power which sadly isn't something that can be fixed by partison politics, as both parties do it, is the WRONG move.
Let's at least not break the parts that work trying to shore up the broken parts.
That's the tale of equality by slamming down all things that stick up - rather than bringing up the low, we simply chop off the high.
Sounds all "fair' but is that truly good?
I doubt it.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494618</id>
	<title>Re:I hate cheques!</title>
	<author>Lev13than</author>
	<datestamp>1268750940000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><i>First off, why would people be critical of eliminating float?!</i> <br> <br>
Float is a critical feature for the one segment that still relies on paper cheques - small business. Many, many small businesses would go bankrupt if they lost the ability to float their suppliers' payments. If you eliminate float on the way in (require payment via cash/debit/credit) this can easily equate to an interest-free loan worth several thousand dollars.

Canada is a lot further ahead than the the US in the elimination of paper cheques, with almost no consumer or P2P use. However, there is considerable resistance from small businesses to abandon cheques, mainly because of the float. Not a great reason to keep them around, but the market will need to find an alternative before eliminating paper completely.</htmltext>
<tokenext>First off , why would people be critical of eliminating float ? !
Float is a critical feature for the one segment that still relies on paper cheques - small business .
Many , many small businesses would go bankrupt if they lost the ability to float their suppliers ' payments .
If you eliminate float on the way in ( require payment via cash/debit/credit ) this can easily equate to an interest-free loan worth several thousand dollars .
Canada is a lot further ahead than the the US in the elimination of paper cheques , with almost no consumer or P2P use .
However , there is considerable resistance from small businesses to abandon cheques , mainly because of the float .
Not a great reason to keep them around , but the market will need to find an alternative before eliminating paper completely .</tokentext>
<sentencetext>First off, why would people be critical of eliminating float?!
Float is a critical feature for the one segment that still relies on paper cheques - small business.
Many, many small businesses would go bankrupt if they lost the ability to float their suppliers' payments.
If you eliminate float on the way in (require payment via cash/debit/credit) this can easily equate to an interest-free loan worth several thousand dollars.
Canada is a lot further ahead than the the US in the elimination of paper cheques, with almost no consumer or P2P use.
However, there is considerable resistance from small businesses to abandon cheques, mainly because of the float.
Not a great reason to keep them around, but the market will need to find an alternative before eliminating paper completely.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494030</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494360</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>Anonymous</author>
	<datestamp>1268749680000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>convenience, no wait time etc. Why should you use a cheque?</p></htmltext>
<tokenext>convenience , no wait time etc .
Why should you use a cheque ?</tokentext>
<sentencetext>convenience, no wait time etc.
Why should you use a cheque?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494194</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494740</id>
	<title>Re:Interesting stopgap</title>
	<author>Maddog Batty</author>
	<datestamp>1268751300000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>Checks are old-fashioned, but what can replace them in the US? In the current banking system, giving out your account number for wire transfers isn't secure. </p></div><p>Why do you think giving out an account number is insecure? You do it every time you write a cheque. All companies here (the UK) give out their account details every time they invoice somebody as otherwise they won't get paid. Most utility bills come with a paying in slip which includes the utility companies bank account details. It really isn't a problem.</p></div>
	</htmltext>
<tokenext>Checks are old-fashioned , but what can replace them in the US ?
In the current banking system , giving out your account number for wire transfers is n't secure .
Why do you think giving out an account number is insecure ?
You do it every time you write a cheque .
All companies here ( the UK ) give out their account details every time they invoice somebody as otherwise they wo n't get paid .
Most utility bills come with a paying in slip which includes the utility companies bank account details .
It really is n't a problem .</tokentext>
<sentencetext>Checks are old-fashioned, but what can replace them in the US?
In the current banking system, giving out your account number for wire transfers isn't secure.
Why do you think giving out an account number is insecure?
You do it every time you write a cheque.
All companies here (the UK) give out their account details every time they invoice somebody as otherwise they won't get paid.
Most utility bills come with a paying in slip which includes the utility companies bank account details.
It really isn't a problem.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494254</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495736</id>
	<title>Re:Interesting stopgap</title>
	<author>xaxa</author>
	<datestamp>1268754900000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>[in the US] In the current banking system, giving out your account number for wire transfers isn't secure.</p></div><p>Why not? Unless I'm missing something, those are the same details that are printed at the bottom of every cheque. And the cheque has your signature on it!</p></div>
	</htmltext>
<tokenext>[ in the US ] In the current banking system , giving out your account number for wire transfers is n't secure.Why not ?
Unless I 'm missing something , those are the same details that are printed at the bottom of every cheque .
And the cheque has your signature on it !</tokentext>
<sentencetext>[in the US] In the current banking system, giving out your account number for wire transfers isn't secure.Why not?
Unless I'm missing something, those are the same details that are printed at the bottom of every cheque.
And the cheque has your signature on it!
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494254</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494670</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>tgd</author>
	<datestamp>1268751120000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I write checks for two things: paying my water bill, and paying for heating oil. Both are a pain in the ass, but cities in the US are crushed for money these days, and upgrading IT infrastructure loses. The oil companies, it seems, don't want to take the 2\% hit in the cost of the oil.</p><p>The only time I ever receive a check is when a friend is paying me back, and frankly there just isn't any other good option other than the near crooks at Paypal.</p><p>There have been banks accepting home deposits of checks for a good year and a half now, so its nothing new even in the US. I've used my iPhone and JotNot to grab the images I need to deposit them a few times. (In fact, I did one last night...)</p></htmltext>
<tokenext>I write checks for two things : paying my water bill , and paying for heating oil .
Both are a pain in the ass , but cities in the US are crushed for money these days , and upgrading IT infrastructure loses .
The oil companies , it seems , do n't want to take the 2 \ % hit in the cost of the oil.The only time I ever receive a check is when a friend is paying me back , and frankly there just is n't any other good option other than the near crooks at Paypal.There have been banks accepting home deposits of checks for a good year and a half now , so its nothing new even in the US .
I 've used my iPhone and JotNot to grab the images I need to deposit them a few times .
( In fact , I did one last night... )</tokentext>
<sentencetext>I write checks for two things: paying my water bill, and paying for heating oil.
Both are a pain in the ass, but cities in the US are crushed for money these days, and upgrading IT infrastructure loses.
The oil companies, it seems, don't want to take the 2\% hit in the cost of the oil.The only time I ever receive a check is when a friend is paying me back, and frankly there just isn't any other good option other than the near crooks at Paypal.There have been banks accepting home deposits of checks for a good year and a half now, so its nothing new even in the US.
I've used my iPhone and JotNot to grab the images I need to deposit them a few times.
(In fact, I did one last night...)</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31495634</id>
	<title>Re:Why not all electronic? No really, why not?</title>
	<author>Anonymous</author>
	<datestamp>1268754480000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Easy---old people, and by that I mean anyone older than 18 (I'm twice that).  Its why we still buy gallons of gas and think 35 degrees is cold.</p><p>http://en.wikipedia.org/wiki/Metrication\_in\_the\_United\_States</p><p>No one wants to learn a better system.  Its the american way.</p></htmltext>
<tokenext>Easy---old people , and by that I mean anyone older than 18 ( I 'm twice that ) .
Its why we still buy gallons of gas and think 35 degrees is cold.http : //en.wikipedia.org/wiki/Metrication \ _in \ _the \ _United \ _StatesNo one wants to learn a better system .
Its the american way .</tokentext>
<sentencetext>Easy---old people, and by that I mean anyone older than 18 (I'm twice that).
Its why we still buy gallons of gas and think 35 degrees is cold.http://en.wikipedia.org/wiki/Metrication\_in\_the\_United\_StatesNo one wants to learn a better system.
Its the american way.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_03_16_0027217.31494108</parent>
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