Community Chat

[bikerbabe]

Sometimes I feel like even though I’m in my early 50s, I must be part millennial. If I can conduct a transaction online or on my phone or using some sort of technology as opposed to person to person I will choose that every time over in person.😂

[Helen852]

I always sign out of any financial apps when I'm done.  I won't keep them open.  I have a Schwans app as well that I don't stay signed into, don't need my info compromised.  

[chessylady]

I was recently a victim of fraud. I mailed a check to my nephew, his roommate took it, used correction tape, wrote his name in and used automated deposit to put it in his account. I obtained a copy of the check and you could tell from the copy that correction tape had been used. Obviously, not all banks audit these types of deposits. My bank required that I make a police report and reimbursed me for the amount of the check. I had to get rid of my checks, get new checks but my credit card and ATM card were not impacted. I do not have automated banking, do it the old fashioned way.

[NicksmomESQ]

 A few years ago DH & I we're victims of identity theft. It was a mess. We were advised to never bank or pay our bills online.It May be the old fashioned way of doing things but I really don't care.I feel safer,period.

[Mindy D]

Thank you all. It shows up in my bank account deposits already. 

[NicksmomESQ]

 A few years ago DH & I we're victims of identity theft. It was a mess. We were advised to never bank or pay our bills online.It May be the old fashioned way of doing things but I really don't care.I feel safer

[bikerbabe]

I do not pay bills by mail unless forced to! The only trouble I’ve ever had in my life paying bills has been through the US mail because they got lost.

[SilleeMee]

I'm going to avoid going to the bank and mail any paper checks for deposit  to my bank. Postage is cheaper than gas and I don't want to be out and about.

[Mindy D]

---

@chessylady wrote:

I was recently a victim of fraud. I mailed a check to my nephew, his roommate took it, used correction tape, wrote his name in and used automated deposit to put it in his account. I obtained a copy of the check and you could tell from the copy that correction tape had been used. Obviously, not all banks audit these types of deposits. My bank required that I make a police report and reimbursed me for the amount of the check. I had to get rid of my checks, get new checks but my credit card and ATM card were not impacted. I do not have automated banking, do it the old fashioned way.

---

I know you are right about this possibility. This will probably be my only time I have to deposit a check this way. I will probably delete the app as soon as I see where we stand with the virus. I do use the online bank to see my accounts. There is only one device that is used to do this and if the IP address changes the bank won't let anyone use it. The device stays inside my home. When I recently changed internet providers I had to do a ton of things to prove it was me. 

[Mindy D]

---

@Snoopp wrote:

@Mindy D I just did the same.  I checked online to see if the deposits went through and it looks like all of them did.  I’m not keen on using the phone app and like the chitchat with the teller, but under these circumstances I went with the app.  I must say it was easy.

---

I'm not using it on a phone I take with me. It's only on my iPad. The bank has my device number and my ip. If either changes they make you jump through hops verifying it's really you. I just had to go this when I changed my internet provider. I wouldn't put the app on my phone. I will also probably delete the app after I see what needs I'll have during the outbreak. Apps are way too hackable. The online banking I use let's me do everything the app does except deposit checks....which is stupid. They can add check deposit to the online account banking. I'd never bank online using a Microsoft computer.