How to Cash a Check Without a Bank Account #simon #zhen,personal #finance,money,banking,consumers,retailers,walmart,fdic,hidden #fees,my #money


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How to Cash a Check Without a Bank Account

No bank? No problem. Check-cashing stores, retailers and prepaid accounts can help you turn that piece of paper into cash. (iStockPhoto)

For most American consumers, cashing a check is simple – they simply deposit it at their bank’s ATM or through a teller. But according to the FDIC, 20 percent of U.S. households either don’t have bank accounts or rely on alternative channels for financial services, such as check-cashing.

For these consumers, what is the cheapest way to cash a check?

Check-cashing stores. Local mom-and-pop stores often come to mind when you search for checking-cash services. However, they can be costly.

Some check cashers may impose a fee equivalent to a percentage of the check value. Others may charge a flat fee in addition to a percentage fee. For large checks, these check-cashing facilities can be rather expensive.

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For instance, to cash a $1,000 check, a $5 plus 1 percent fee means you’ll pay $15 for the check-cashing service. Other places are likely to have lower fees.

The check-issuing bank. A bank will only cash a check for a non-customer if a check is issued by that specific bank. Even then, the non-customer could face a check-cashing fee, which varies from bank to bank. For instance, TD Bank charges $5 whenever a non-customer wants to cash a TD Bank check. Meanwhile, Citibank doesn’t impose a fee when a non-customer wants to cash a Citibank check under $5,000.

More often than not, a non-customer will be persuaded to open an account with the bank to avoid paying the fee .

Retailers. Major retailers, such as 7-Eleven, Wal-Mart and some supermarket chains, offer check-cashing services, which likely cost less than those available at check-cashing stores and banks.

At some 7-Eleven locations, you can find kiosks that let you cash checks for a flat 0.99 percent convenience fee. Wal-Mart charges $3 for checks of $1,000 or less and $6 for checks greater than $1,000 and no more than $5,000. (The limit increases to $7,500 from January to April for tax refund checks.)

Prepaid accounts. As financial institutions and other companies find that a large portion of the American population is unbanked or underbanked. they have offered prepaid card accounts to cater to this consumer segment.

For example, Chase offers a prepaid card that lets you deposit checks at any Chase ATM for free, but the card has a $4.95 monthly fee.

A company called Ingo Money works with a long list of prepaid cards to provide mobile check deposit for these card accounts. With the Ingo Money app, you can use your smartphone to take pictures of checks to deposit them into a prepaid account. There is a 1 percent to 4 percent fee for this service and minimum fee of $5 per transaction. However, users will not pay a fee if they choose to wait 10 days for the funds to be deposited.

Shop around. As with every consumer-spending decision. it is best to shop around for a better price. If you frequently use alternative methods of cashing checks, you should research locations nearby for the cheapest fees, so you’ll know where to go whenever you’re in need of check-cashing.

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Gift Card Terms and Conditions #walmart #money #card #stolen


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Gift Card Terms and Conditions

General Terms

These Walmart Gift Card Terms and Conditions (“Terms and Conditions”) are applicable in addition to the Terms of Use and Privacy Policy applicable to the Walmart.com website.

Nonreturnable; not for resale. Notwithstanding anything contained in these Terms and Conditions, Walmart plastic Gift Cards and eGift Cards (“Walmart Gift Cards”) are not returnable or refundable for cash except in states where required by law. Resale of Walmart Gift Cards is strictly prohibited.

Liability. The balance on any Gift Card is solely the liability of Wal-Mart Stores Arkansas, LLC.

No affiliation with Walmart. Use of Walmart’s name, logo, trade dress (including any image/likeness of the cards) or trademarks (or those of any of its subsidiaries or affiliates) in connection with the purchase or use of Walmart Gift Cards is strictly prohibited. Furthermore, the use of Walmart Gift Cards in any manner that states or implies that any person, website, business, product or service is endorsed or sponsored by, or otherwise affiliated with, Walmart or any of its subsidiaries or affiliates is prohibited.

Compliance with laws. By purchasing Walmart Gift Cards, you are certifying and representing to Walmart that the activities in connection with which the Walmart Gift Cards will be used will comply with these Terms and Conditions and all applicable laws, rules and regulations, and that the Walmart Gift Cards will not be used in any manner that is misleading, deceptive, unfair or otherwise harmful to consumers or Walmart. In addition, you agree to defend and indemnify Wal-Mart Stores, Inc. and its subsidiaries and affiliates from and against any claims, expenses or liabilities made against or incurred by any of them in connection with your use of the Walmart Gift Cards or violation of any of these Terms and Conditions.

Lost or Stolen Gift Card. Lost or stolen cards will not be replaced. Neither Wal-Mart.com USA, LLC nor Wal-Mart Stores Arkansas, LLC shall have liability to you for (i) lost or stolen Walmart Gift Cards or (ii) use of any Walmart Gift Cards by third parties through your Walmart.com account. You are solely responsible for keeping the password for your Walmart.com account safe and for any activity conducted under your account. If the eGift Card is from your Savings Catcher account, go to https://savingscatcher.walmart.com/

Saving Walmart Gift Card Information and Viewing Balance Terms and Conditions

Saving Walmart Gift Card Information. Only five Walmart Gift Cards (plastic and/or eGift Cards) can be saved to your account at any given time. Walmart Gift Cards you have NOT saved may be used, but you will be required to enter the Walmart Gift Card number and PIN at the time of purchase.

No Consolidation for New Walmart Gift Card. You may not consolidate or combine multiple Walmart Gift Cards to purchase a new Walmart Gift Card. Walmart.com does not consolidate or combine multiple gift cards into one gift card per customer requests.

Saving Walmart Gift Card Information Does Not Redeem Card. Saving Walmart Gift Card information to your account does not redeem the value of the Walmart Gift Card. Saving the information makes the Walmart Gift Card available for selection without entering the Walmart Gift Card number and PIN at the time of a purchase. It also allows you to more quickly check the available balance on the Walmart Gift Card.

Saving Walmart Gift Card Information Does Not Limit Card to Use Online. Saving a Walmart plastic Gift Card to your Walmart.com online account does not limit you to using the Walmart Gift Card online. You can use Walmart and Sam’s plastic Gift Cards and eGift cards at any retail or only format of Wal-Mart Stores, Inc. in the U.S. or Puerto Rico, including Sam’s Clubs.

Walmart Gift Card Balance is an Estimate. The balance you see when viewing Walmart Gift Card balances online or receive by calling 1-888-537-5503 is an estimate only. In most cases, the balance is adjusted immediately when you make a purchase online or in stores, but there may be occasions when the updated balance is delayed for a period of time. You can also view the Walmart Gift Card’s transaction history to see if all the transactions for the Walmart Gift Card are listed.

Walmart Gift Cards Do Not Expire. Walmart Gift Cards never expire.

Governing Law. When you purchase, receive, or redeem a Walmart Gift Card, you agree that the laws of the State of California shall govern these Terms and Conditions, without regard to principles of conflict of laws.

Specialty Gift Cards Terms and Conditions

When you buy a Specialty Gift Card, you agree to the terms and conditions of the card from the third party retailer, restaurant or theatre you choose. Following are the terms and conditions for each specialty gift card sold at Walmart.com.

iTunes Gift Cards Terms: This card is redeemable only on the iTunes Store for the U.S. To redeem this card you must have an iTunes Store account, subject to prior acceptance of license and usage terms. To open an account you must be above the age of 13 and in the U.S. The iTunes Store requires iTunes 6.0 or later (7.0 or later for video), compatible software and hardware, and Internet access (fees may apply). Not redeemable for cash (except if required by law). No refunds or exchanges allowed and this card may not be used to purchase any other merchandise, allowances or iTunes gifting. Data collection and use subject to Apple Customer Privacy Policy, see www.apple.com/legal/privacy. unless stated otherwise. Risk of loss and title for card passes to purchaser on transfer. Apple is not responsible for any loss or damage resulting from lost or stolen cards or use without your permission. Apple and its licensees, affiliates, and licensors make no warranties, express or implied, with respect to prepaid cards or the iTunes Store and disclaim any warranty to the fullest extent available. These limitations may not apply to you. Void where prohibited. Not for resale. Subject to full terms and conditions, available at www.apple.com/support/itunes/legal/giftallowances.html. Content purchased from the iTunes Store is for personal lawful use only. Don’t steal music.

SUBWAY ® Gift Card Terms: This SUBWAY ® Card may only be used for purchases at participating SUBWAY ® restaurants – a list is at www.mysubwaycard.com. The available balance will be applied to your purchase. You can reload your SUBWAY ® Card with additional cash at any time, or set it up online for automatic reload. We can only replace remaining balances on lost, stolen or damaged Cards if your Card is registered online, and you can provide proof of purchase. The Card never expires and we do not charge any fees. Reward points expire after 36 months, unless stated otherwise by us. Not all SUBWAY ® restaurants participate in the Rewards program. Use of this Card constitutes acceptance of these terms. SUBWAY ® is a registered trademark of Doctor’s Associates Inc.

Regal Gift Card Terms: Regal Gift Cards are sold in a $25 denomination and are honored, just like cash, at the box office or concessions. Regal Gift Cards cannot be redeemed for cash unless required by law. If the Regal Gift Card is lost, stolen, damaged or destroyed, the value of this card will not be honored or replaced without proof of purchase and proper identification. Regal Gift Cards have no expiration date or dormancy fees.

Brinker International Gift Card Terms: Chili’s Grill Bar®, Romano’s Macaroni Grill®, On The Border Mexican Grill Cantina® and Maggiano’s Little Italy® terms and conditions:

  • No Service fees are charged in connection with these gift cards
  • Lost or stolen cards will not be replaced
  • Balance inquiries can be made by calling 1-888-532-6092

Updates to Terms and Conditions

These Walmart Gift Card Terms and Conditions were last updated on December 1, 2015. Walmart may update these Terms and Conditions at any time. We recommend that you check these Terms and Conditions periodically for changes.


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Canadian Truck Driver Jobs / Jobs In Trucking Is your link for finding jobs in the trucking Industry that you have always wanted. Jobs in Canadian trucking Its easy just click on the province of your choice and you will find trucking companies from that region that are looking for you right now.

Just click on the trucking company that you want to look at and apply online.

There are no memberships to join and you don’t have to log on to anything. The information that you fill out will go directly to the employer that you are looking at and nobody else. If you wish to post a resume you can now do so at our new affiliate site www.mycdnjobs.com

You will also find in each province a contact list of other trucking companies this list shows contact information for those companies.

You can also view the current listings below click on the Company name to find out more about the positions available to you. Owner Operators Company Drivers Wanted Today.

Canadian Truck Driver Jobs web site and its advertisor’s are proud of our Professional Truck Drivers who drive across our roads safely everyday. If you bought it a truck brought it.

Terms of employment: full time 40 to 60 Hours / Week, permanent, Other benefits: paid layover and HAZMAT premiums, Quarterly Safety, and Clean inspection bonus, Fuel efficiency bonus

THE ROLE: The Truck Driver ensures an efficient and timely pick-up of donated goods and materials thereby assisting to provide a cost effective service, a positive impression to the public and one that promotes the goals of the Association. The Truck Driver navigates through the GVRD region for pickups/drop offs in a 3-Ton Truck. The person in this position is also expected to drive throughout the Lower Mainland, placing donation bins at various locations. Tasks between driving and placing donation bins will be assigned on an as needed basis.

Residential Curbside Collection Drivers Progressive Waste Solutions is the leader in non-hazardous solid waste management in North America. As Canada?s leader in waste services, we are continuously looking for energetic people to proudly represent our company and products. We have a dynamic culture and are dedicated to the continued progress and growth of our residential recycling programs in addition to regular municipal waste removal. Currently, at our Barrie, ON, facility, we are looking for Residential Curbside Collection Drivers.

AZ (Class 1) Truck Driver | Transport

NB Solution Inc. is a search firm recruiting nationwide operations professional, executives and management for the logistics, distribution and supply chain management industries. With over 50 years of combined logistics experience, we ve continued to build our reputation on high-level service in the Canadian market.

Eco-Energy Transportation, one of the largest bio-fuels distribution and marketing companies in North America, is currently looking for class A CDL, Hazmat and Tanker Endorsed Drivers in this area with preferably 5 years of hazmat experience.

Owner/Operators Required Immediately For Our Dry Bulk Division

Operating within Alberta Very High earning potential per month

You must have a minimum of 2 yrs Pnuematic Experience

AZ Delivery Driver/Specialist – Oakville Location

GE Power Water currently has an opening for an AZ Delivery Driver for the Oakville Area

The successful candidate will drive a tractor-trailer combination capacity of at least 80,000 lb GVW, to transport and deliver hazardous and non-hazardous materials into the customer tanks

Iron Wing is a Busy oilfield trucking company in the Whitecourt Ab areas and has immediate openings for class 1 Tank truck operators and class 3 Combo Vac and Hydro Vac operators. Excellent wages and immediate medical benefits upon hire.

Experience is a definite asset, however training is available.

Owner Operator Flat Deck Division

Owner Operators Required Immediatly For Our Flat Deck Division Based In Edmonton.

You must have a mimimum of 2 yrs Tractor Trailer Experience.

Be Safety Orientated

Have a positive attitude.

Located in the beautiful Okanagan, we are seeking qualified heavy haul driver for trucking company located in West Kelowna, BC, however it is not necessary to live in BC (have drivers in AB/SK/ON).

MUST HAVE experience with Over Dimensional and Over weight loads and be able to cross the border. Minimum three years experience.

Single and Team Company Highway Drivers and Owner Operators.

Forbes Hewlett Transport Inc. is currently looking for AZ Company drivers

Must have 2 years verifiable experience in LTL and TL shipments.

You will operate various transport vehicles, trailers, bins and other equipment and perform daily safety and maintenance inspections.

Completing logs and inspection documentation will be part of the job, as will maintaining a clean appearance of all vehicles.

To be considered, you must have:

  • A Class 1 or Class 3 Driver’s license with air brake endorsement;

Based in Nisku, Alberta (Travel Throughout Western Canada)

W.F. Welding Overhead Cranes is a leading fabricator of structural steel, overhead cranes, and crane door systems, and is located in Nisku Industrial Park, south of Edmonton, Alberta.

About the Opportunity

W.F. Welding Overhead Cranes currently has an opening for a Class 1 Driver who will be based in Nisku, Alberta and traveling throughout Western Canada.

To apply for this position, you will need a Class 1 License and a clean driver’s abstract.

Bulk Chemical Truck Driver

Canada Colors and Chemicals Limited (CCC) has been serving the needs of the Canadian chemical and plastics markets since 1920. Today, CCC is one of the largest independent chemical distributors in Canada, and the 10th largest chemical distributor in North America.