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Subject: Being Black: Paycheck is too damn high rss

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Matt Brown
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Mac Mcleod
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"If you think they would have called the police on a white man, you’re lying to yourself. If you think they do this to every customer, you are crazy. Huntington Bank tried it for $1,082. I hope McCown goes back, opens an account, and deposits all of his money into a mutual market fund... in unwrapped pennies."

That's right, his annual salary would have been roughly $55,000 per year if it was a weekly paycheck and under $30,000 a year if it was a biweekly paycheck.
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Oliver Dienz
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It was for 3 weeks work. I guess they were surprised it was an actual paycheck, not social security. shake
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Mac Mcleod
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I think the bank should fire the employees involved in this incident.
At the point where the police arrested him and handcuffed him there was a risk he would be killed.

For trying to cash his paycheck at the bank it was drawn on. While black.
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Andre
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I smell a nice lawsuit he could win.
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Elias Någonsson
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abadolato01 wrote:


I smell a nice lawsuit he could win.


If he has the money, time and circumstances to pursue it. Which is a fairly big if.
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This story made absolutely NO sense to me. I only bank where I already have an account. Did he not have an account, but the check was through an account at that bank?

Even so, the bank should be able to verify the check and signature back to the original account.

It did seem like blatant discrimination to call the police.
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Mike Stiles
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If my math (read this site I found on google) is right, that's about $15/hr after taxes, presuming it was a 2 week check.

 
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Wendell
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windsagio wrote:
If my math (read this site I found on google) is right, that's about $15/hr after taxes, presuming it was a 2 week check.



I think the article said it covered three weeks' work for him.
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mortego
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No racism or bigotry displayed here, nope, Nope, NOPE!!!
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Kevin Salch
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Ok, still bad but from a CNN article.
Quote:

According to the police statement, the bank branch has had more than 10 arrests for fraudulent checks since July 18, and a bank representative told WOIO that was why the tellers were being "hyper-vigilant."


And:
Quote:
McCowns doesn't bank with Huntington and its staff was not able to reach his employer at first

Quote:

"I have a customer here -- he's not our customer, actually. He's trying to cash a check and the check is fraudulent. It does not match our records," a bank employee says on a recording of the 911 call obtained by CNN.


Assuming he had just been issued the paycheck, and that the bank gets an upload of the payroll from the company it could be fair that they suspected the check was fraudulent.

I also would find it odd that someone would be cashing a $1,000 check. but I don't work in banking so don't know how unusual that is.

Most of my companies payroll is direct deposited as seems to be the norm.

While he was detained he was not arrested. I don't understand why he was handcuffed.

I would like to know more about this before I consider it racist.
It should not have happened.


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Josh
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costguy wrote:
Ok, still bad but from a CNN article.
Quote:

According to the police statement, the bank branch has had more than 10 arrests for fraudulent checks since July 18, and a bank representative told WOIO that was why the tellers were being "hyper-vigilant."


And:
Quote:
McCowns doesn't bank with Huntington and its staff was not able to reach his employer at first

Quote:

"I have a customer here -- he's not our customer, actually. He's trying to cash a check and the check is fraudulent. It does not match our records," a bank employee says on a recording of the 911 call obtained by CNN.


Assuming he had just been issued the paycheck, and that the bank gets an upload of the payroll from the company it could be fair that they suspected the check was fraudulent.

I also would find it odd that someone would be cashing a $1,000 check. but I don't work in banking so don't know how unusual that is.

Most of my companies payroll is direct deposited as seems to be the norm.

While he was detained he was not arrested. I don't understand why he was handcuffed.

I would like to know more about this before I consider it racist.
It should not have happened.




From that quote the bank provided false information to the police and should be fined. The check was not fraudulent. They *suspected* it was fraudulent. The bank set the police up with a false level of criminal intent to start their encounter. This puts the police on edge and puts both the police and the citizen being confronted at increased risk.
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This Guy
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costguy wrote:
Ok, still bad but from a CNN article.
Quote:

According to the police statement, the bank branch has had more than 10 arrests for fraudulent checks since July 18, and a bank representative told WOIO that was why the tellers were being "hyper-vigilant."


And:
Quote:
McCowns doesn't bank with Huntington and its staff was not able to reach his employer at first

Quote:

"I have a customer here -- he's not our customer, actually. He's trying to cash a check and the check is fraudulent. It does not match our records," a bank employee says on a recording of the 911 call obtained by CNN.


...
I also would find it odd that someone would be cashing a $1,000 check. but I don't work in banking so don't know how unusual that is.
...


When I was finding my feet after dropping out of college in 1990, I would run on cash fairly often. I paid the roommate whose name was on the lease and bills in cash, and there was little else that required checks in my life. That lifestyle was common among my friends and coworkers. I was poor, white, and undereducated, but I never had an issue doing this. They are legally required to honor checks drawn on their bank.

That was 28 years ago when debit cards weren't the norm. I still feel safe in saying it's more common than people might think among the working poor.
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Mike Stiles
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Debit cards are a huge trap for the working poor - they can't just force 'overdraft protection' on you anymore, but they can sure as hell sell it hard.

You get in way over your head once with surprise overdraft fees (that they just keep adding to your negative balance) and you never want to deal with a bank ever again.
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Kevin Salch
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OK so apparently 17 Million in the US are unbanked.
Even more are underbanked. It's understandably worse in poorer communities. Fascinating that many choose to be unbanked for various reasons.

Still saying it was a bad result.
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James R
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This infuriates me. I was a teller for years, if you suspect a bad check, you:

1) ask for ID. This guy provided
2) Verify the check is drawn from your bank. It was
3) Verify the account has the funds, and there are no holds or notes or any other shenanigans with the account to arouse suspicions. Everything was fine
4) If you're still REALLY NOT SURE then sure, you can call the account holder. They did, he didn't answer, which is typical because how often do you answer when a bank calls you?

At that point, there is nothing to arouse your suspicion except you haven't verified with the account holder. A "hey sorry but I can't cash this at this time, I'm waiting for a verification from the account holder, but here keep the check and we'll keep trying. You can either wait or come back tomorrow" is the only appropriate thing to do and there would need to be exceptional circumstances. There is no reason to call the cops unless you have proof of fraud, and FYI if they are trying to pass a bad check, then the moment you "go to the back for a second" they'll be out the door. This has happened to me, but I was alerted by a note in the account.

As far as the cash economy, cash is king, particularly within certain defined industries and certain populations. Cash comes in on Monday, cash goes out on Wednesday (Social Security) and Friday (Payday). On those three days I was busy from open to close.


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They acted dumb and racist. They should probably be fired.
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Wim van Gruisen
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Am I the only one who thinks that the system of using pay checks is outdate, wasteful and inefficient? Why don’t you guys in the States just have bank accounts, and have tour salary transmitted to those, just like normal countries?

(In other words, the Dutch banking sector, especially the part that deals with all sorts of payment transactions, is highly efficient and very modern, but we are so accustomed to it that it takes this sort of story to realise it)
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Marcel
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costguy wrote:
OK so apparently 17 Million in the US are unbanked.
Even more are underbanked. It's understandably worse in poorer communities. Fascinating that many choose to be unbanked for various reasons.

Still saying it was a bad result.

I find it utterly ridiculous, until I read about the criminal overdraft practices that A,erican banks use (The USA is the only country I ever heard of that does this) and I can understand why a person wants nothing to do with these institutions.
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Sam E
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Whymme wrote:
Am I the only one who thinks that the system of using pay checks is outdate, wasteful and inefficient? Why don’t you guys in the States just have bank accounts, and have tour salary transmitted to those, just like normal countries?

(In other words, the Dutch banking sector, especially the part that deals with all sorts of payment transactions, is highly efficient and very modern, but we are so accustomed to it that it takes this sort of story to realise it)


Most use direct deposit. Some, especially among the working poor, avoid banks because of experience with excessive fees or general distrust.
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Alferd Packer
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Berinor wrote:
Whymme wrote:
Am I the only one who thinks that the system of using pay checks is outdate, wasteful and inefficient? Why don’t you guys in the States just have bank accounts, and have tour salary transmitted to those, just like normal countries?

(In other words, the Dutch banking sector, especially the part that deals with all sorts of payment transactions, is highly efficient and very modern, but we are so accustomed to it that it takes this sort of story to realise it)


Most use direct deposit. Some, especially among the working poor, avoid banks because of experience with excessive fees or general distrust.


Or because banks require a certain minimum to even open an account or require that the account maintain a certain balance in order to not generate outrageous fees.
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Wim van Gruisen
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AlferdPacker wrote:
Berinor wrote:
Whymme wrote:
Am I the only one who thinks that the system of using pay checks is outdate, wasteful and inefficient? Why don’t you guys in the States just have bank accounts, and have tour salary transmitted to those, just like normal countries?

(In other words, the Dutch banking sector, especially the part that deals with all sorts of payment transactions, is highly efficient and very modern, but we are so accustomed to it that it takes this sort of story to realise it)


Most use direct deposit. Some, especially among the working poor, avoid banks because of experience with excessive fees or general distrust.


Or because banks require a certain minimum to even open an account or require that the account maintain a certain balance in order to not generate outrageous fees.

Which IMHO is not efficient or modern. But thanks for explaining, and let's try to end the derailment I caused a couple of posts above
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Lee Fisher
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Whymme wrote:
Am I the only one who thinks that the system of using pay checks is outdate, wasteful and inefficient? Why don’t you guys in the States just have bank accounts, and have tour salary transmitted to those, just like normal countries?

(In other words, the Dutch banking sector, especially the part that deals with all sorts of payment transactions, is highly efficient and very modern, but we are so accustomed to it that it takes this sort of story to realise it)


Yeah I would say most of us do.
 
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Christopher Dearlove
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costguy wrote:
OK so apparently 17 Million in the US are unbanked.
Even more are underbanked. It's understandably worse in poorer communities. Fascinating that many choose to be unbanked for various reasons.


Choose? If the US is anything like the UK there will be many people that the banks decline to take as customers for various reasons, most of which boil down to that they aren't profitable enough. In other cases hurdles that impede people opening accounts are left in place if they have a similar effect.
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mag74b wrote:
costguy wrote:
OK so apparently 17 Million in the US are unbanked.
Even more are underbanked. It's understandably worse in poorer communities. Fascinating that many choose to be unbanked for various reasons.

Still saying it was a bad result.

I find it utterly ridiculous, until I read about the criminal overdraft practices that A,erican banks use (The USA is the only country I ever heard of that does this) and I can understand why a person wants nothing to do with these institutions.


I don't know about criminal, but UK banks are bad. (Though I haven't heard of cases as bad as I think it was Wells Fargo.) Go overdrawn more than agreed and big charge. Then it can snowball from there with charges due to charges. I think that just this week there was a move to limit what they can do, which will be too little too late.
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