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I needed a nut splitter, it's uncommon but not really. The only place in the major metro area that has one is a single Lowes that happens to be close enough it's not a bad drive. I order online for pickup, get there and....

They still have giant plexiglass shields up over all the desks, and they're covered with fall decorations. I can't see or hear the person I'm talking to. Lots of diapers, so they must still be terrified. I manage to convince them I have an order, and they go what's the order number. I say it's for me and hand them my ID. Well, turns out they can't locate the order unless you give them a phone number, or have the order number. Their systems are so obsolete they can't search by name. I say I just put garbage in the phone field, I don't even know my own number. Mind = blown, and the drone locks up for a second. Who the hell gives out phone numbers these days? I dig through email and fortunately the server hasn't purged yet and it's there in the trash. I finally get my tool. This is after waiting behind a guy that was trying to do something, all I could hear was part numbers didn't match, and some old fuck that wanted to pay his credit card? bill with a paper check. Go fucking die, old man.

I want to buy a couple of other related items while I'm there, so I have them on the desk and I say "I want to purchase these as well." "Do you have a receipt for them?" Uh, no, I just told you I want to buy them, what part of that did you not understand? Drone lockup again, then oh you want to buy them. I make the purchase and leave as quickly as possible. It would have been quicker to just go in and get the parts and leave.

I needed a nut splitter, it's uncommon but not really. The only place in the major metro area that has one is a single Lowes that happens to be close enough it's not a bad drive. I order online for pickup, get there and.... They still have giant plexiglass shields up over all the desks, and they're covered with fall decorations. I can't see or hear the person I'm talking to. Lots of diapers, so they must still be terrified. I manage to convince them I have an order, and they go what's the order number. I say it's for me and hand them my ID. Well, turns out they can't locate the order unless you give them a phone number, or have the order number. Their systems are so obsolete they can't search by name. I say I just put garbage in the phone field, I don't even know my own number. Mind = blown, and the drone locks up for a second. Who the hell gives out phone numbers these days? I dig through email and fortunately the server hasn't purged yet and it's there in the trash. I finally get my tool. This is after waiting behind a guy that was trying to do something, all I could hear was part numbers didn't match, and some old fuck that wanted to pay his credit card? bill with a paper check. Go fucking die, old man. I want to buy a couple of other related items while I'm there, so I have them on the desk and I say "I want to purchase these as well." "Do you have a receipt for them?" Uh, no, I just told you I want to buy them, what part of that did you not understand? Drone lockup again, then oh you want to buy them. I make the purchase and leave as quickly as possible. It would have been quicker to just go in and get the parts and leave.

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[–] • 0 pt

No, true. Check magink numbers are electronically read and the check visually scanned. Depending on the bank or type of check, someone may see it, but for the most part the only time someone looks at it is when the OCR can't determine if it's correct.

It's computer flipping bits for accounts. It's why you don't get the checks back. If the computer systems for this are gone, then you're not using checks because that massive backend with people doing work to create lists of transfers intrabank are long gone.

[–] • -1 pt

little use of brain power, I see

Once a seller accept the cheque, the product is sold and you can eat. This cannot happen if your card is offline

clearance ? the cheque will go to your branch and be cleared. Slow, but possible

So, again, why are you pushing the digital world ?

[–] • 1 pt (edited )

I see you're not in the USA.

In the USA, when a check is processed by a larger business, it's done with MICR. This is read and it verifies the check is a real check, and the business can often see in real time if your account is valid for funding.. It still goes to a clearinghouse to be paid, but this is electronic. If you have no money in your account, or the check has been withdrawn by the bank, most businesses will refuse it. Smaller businesses usually don't even accept them anymore unless you're a regular customer - maybe. It absolutely does not go to a branch to clear, it's a massive clearinghouse that handles multiple banks.

You can present a check as payment and immediately go pull the money out of your account, but you're not going to get many chances at this.

I'm not sure what backwater you live in, but in most of the world checks are just as real-time as any other instrument of payment. They just are a pain in the ass to handle because someone still has to mess with the paper. Your method hasn't been valid for probably two decades. Here, the federal law Check 21 requires checks to be processed electronically as much as possible.

[–] • 0 pt

you keep not answering the question: why are you pushing digital stuff ?

what you write is just distraction, useless,

I see a pattern here