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> Chase customer support had one clarification to make. I'd originally said it might take, weeks for the check to clear, but the explained it could actually tak

> Chase customer support had one clarification to make. I'd originally said it might take, weeks for the check to clear, but the explained it could actually take more than six months. And you'll have no idea when that magic moment occurs. Good lord, I had no idea this is how bad things are. Haven't used checks in a long time and happy I haven't. The privacy trade-off for cards is concerning but the convenience is hard to give up.

morpheuskafka 6y ago
> privacy trade-off for cards A check literally has your full address and bank account number on it.. doesn't get much worse for privacy.
- techsupporter 6y ago
  Back when checks were a lot more prevalent, some people would list a PO Box on their checks, either out of privacy or necessity (mail service didn’t go to their street). I was one of the people who did it for privacy, using the box my small business received mail at. Around the late 90s, a whole lot of places stopped accepting checks with a PO Box address printed on them, ostensibly due to “fraud concerns” (it was really that the government offices that do debt collection for “hot” checks wouldn’t accept non-physical addresses). There’s not really a point to this story, I suppose, except that privacy has always been hard to maintain.
- notRobot 6y ago
  > check literally has your full address Really? I assume you're talking about the US? Because that's certainly not the case in many other countries that I have worked/lived in.
  - morpheuskafka 6y ago
    Yeah, I don't know if it is an absolute requirement (probably not) but all the checks I have been issued by the bank and almost all the ones I have received from others have it. For personal checks, I think the store usually checks that the address matches your photo ID--for corporate checks the address is usually just a P.O. Box. I think the address is also used to look up people in the check acceptance risk system (certegy, chexsystems, etc).

morpheuskafka 6y ago

> privacy trade-off for cards A check literally has your full address and bank account number on it.. doesn't get much worse for privacy.

techsupporter 6y ago
Back when checks were a lot more prevalent, some people would list a PO Box on their checks, either out of privacy or necessity (mail service didn’t go to their street). I was one of the people who did it for privacy, using the box my small business received mail at. Around the late 90s, a whole lot of places stopped accepting checks with a PO Box address printed on them, ostensibly due to “fraud concerns” (it was really that the government offices that do debt collection for “hot” checks wouldn’t accept non-physical addresses). There’s not really a point to this story, I suppose, except that privacy has always been hard to maintain.
notRobot 6y ago
> check literally has your full address Really? I assume you're talking about the US? Because that's certainly not the case in many other countries that I have worked/lived in.
- morpheuskafka 6y ago
  Yeah, I don't know if it is an absolute requirement (probably not) but all the checks I have been issued by the bank and almost all the ones I have received from others have it. For personal checks, I think the store usually checks that the address matches your photo ID--for corporate checks the address is usually just a P.O. Box. I think the address is also used to look up people in the check acceptance risk system (certegy, chexsystems, etc).