How many use Direct Deposit from your employer

[Big A]

Direct deposit is a good thing.. Cept when you get an overpayment they take it out of the next check... When they owe you it is going to be awhile.

Overpayment shouldn't be a problem at all, unless you don't manage your financences, and live paycheck to paycheck. If live paycheck to paycheck, you should be managing your finances even more closely than when having a decent savings account, because there is always the possibility of over-drafting, aside from spending money that was never yours.

I've had DD for oner a decade now, and no issues to speak of, I've got a debit/credit card if I need cash, and rarely have to make an extra trip to get it.

I was talking to a friend the other day about this, and due to a nasty divorce and garnishment from her ex-husbands medical bills, she can't get a bank account until that is legally resolved. She told me that rather than getting a paycheck, she has a debit card that the money is deposited on. I thought that was rather strange at first, but not a bad idea, as she doesn't have to go to th bank unless she wants cash without paying an ATM fee.

[slow84lx]

I've had DD from my employers (3) since it first became available in the mid 90's. It beats the heck out of making regular trips to the bank to wait in line when you have other things to do. I've never had a single problem with the system.

[Couver]

Overpayment shouldn't be a problem at all, unless you don't manage your financences, and live paycheck to paycheck. If live paycheck to paycheck, you should be managing your finances even more closely than when having a decent savings account, because there is always the possibility of over-drafting, aside from spending money that was never yours.

I've had DD for oner a decade now, and no issues to speak of, I've got a debit/credit card if I need cash, and rarely have to make an extra trip to get it.

I was talking to a friend the other day about this, and due to a nasty divorce and garnishment from her ex-husbands medical bills, she can't get a bank account until that is legally resolved. She told me that rather than getting a paycheck, she has a debit card that the money is deposited on. I thought that was rather strange at first, but not a bad idea, as she doesn't have to go to th bank unless she wants cash without paying an ATM fee.

I was talking to the time frame. When I have had an over I just put in the bank and wait for it... Your friend is smart about it ATM fees suck!!!

[Big A]

I was talking to the time frame. When I have had an over I just put in the bank and wait for it... Your friend is smart about it ATM fees suck!!!

Hell, I'd want them to take as long as possible to accrue interest. It does suck on the reverse though, having to wait a while to get money that you are owed. The same with returning high-ticket purchases that were paid by check, it takes the merchant forever to deposit the money back. If you had saved to buy that particular purchase, you are stuck waiting to get something else until the money comes back.

I am so glad to not be living check to check anymore, that shit sucks.

[bjtheman1]

Been using it for years, only way to go

[Fatass]

i get a live check, when me and my ex split we had a joint account so i killed that. havent set it back up on my account. we have had a few issues with deposits not going through at the normal scheduled time with the payroll company we use but its never effected me.

[slow99]

I haven't known anyone who gets a live check in years.

[Cooter]

I'm amazed that there are people who haven't ever had direct deposit...

[347Mike]

I'm amazed that there are people who haven't ever had direct deposit...

No shit! Some places I have worked at even charged you a dollar or some small amount if you chose for a check in lieu of direct deposit...

[Rreemo]

I'm actually wondering if there are people who still don't use direct deposit

[Cooter]

my jobs often have me traveling all over... I can't imagine trying to cash a paper check out in the middle of nowhere or on another continent

[jluv]

It's strange that some people don't use direct deposit!

[paul_376]

It's strange that some people don't use direct deposit!

I cash mine at beer store in south dallas, I get a few 40oz beers while I am there and kill 2 birds with one stone

[stephen4785]

FYI, if you use direct deposit your employer can legally perform a "reversal" on you payment for up to 5 business days after they pay you. My last employer did that to me which put that account negative one mortgage payment. Pay check was direct deposited at 7am. Paid the mortgage around noon. 4pm that day they did a "reversal". Awesome times ensued.

[likeitfast55]

My employer REQUIRES a direct deposit. They will NOT issue you a paper check past 1 time.

If you do not supply them with a bank, routing number etc..... they will OPEN an account

at the bank of THEIR choosing for you!!! It is quite clear in the employee handbook.


With so many people working for them, they save millions on printing and processing this

way.

My employeer---------AMR


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