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networkn
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  #2278515 17-Jul-2019 17:30
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If she doesn't want the complications of internet banking I imagine changing banks would be much much worse.

mattwnz
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  #2278524 17-Jul-2019 17:48
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Sounds like it is the only option though. Supposedly changing banks isn't as difficult as it once was. Also nothing stopping them using multiple banks, and then phasing one out over time


alasta
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  #2278537 17-Jul-2019 18:09
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I have to admit to being a bit more cautious about encouraging elderly people onto Internet banking.

 

My father has to get the computer repair man to come over several times a year to help with weird software problems because he buys equipment that is far too complicated for him - he really should just buy an iPad but I think he likes to convince himself that he's a bit of a computer whizz. I can't help wondering how secure his system is, and whether there could potentially be key loggers, etc.

 

I guess 2FA mitigates the risks somewhat, but I would feel less anxious if he were to drop Internet banking and just use phone banking instead.




tdgeek
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  #2278542 17-Jul-2019 18:25
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MikeB4:

 

.I seldom go near a bank or an ATM.

 

 

I went to a bank a few years ago to deposit a cheque I was sent. I had to ask what to do! 

 

Place was empty, no line, no white deposit slips. Id guess 15 years since I last did a bank transaction at a bank. 


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  #2278577 17-Jul-2019 19:24
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richms:

afe66: My recent frustration is the closure of multiple location to a central hub in business area which doesn't have an ATM that accepts cheques. Like all the other banks..

Now I have to specifically head into business area drive round and round trying to find a park to deposit a cheque for a job that took less time to do then bank the cheque. And I cant deposit the cheque out of our when lots of parking because the ancient ATM.

(Some customers still insist on paying me in cheques)


Your choice to accept them without charging a fee for that hassle ontop of the amount.


You can post checks into the bank, which is what I do. They process them after a few days and they appear in the account.



I didnt know I could post a cheque to the bank and deposit it that way. If correct it would work for me. I can only physically leave my work place during bank working hours one day a week which compounds my frustration.

Probably less than 5% of clients pay by cheque. Insurance companies and direct debit are the usual payment methods. I suppose i could add a big fee for cheques but usually they are elderly. (Adding a fee for them would feel like kicking kittens)

Rikkitic

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  #2278598 17-Jul-2019 20:44
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I almost went with TSB bank at the time. The only thing that stopped me was they didn't offer a debit card and Kiwibank did.

 

 


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richms
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  #2278790 18-Jul-2019 11:17
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afe66: Probably less than 5% of clients pay by cheque. Insurance companies and direct debit are the usual payment methods. I suppose i could add a big fee for cheques but usually they are elderly. (Adding a fee for them would feel like kicking kittens)

 

I see it as a cattleprod to a stubborn mule... Just do it as an ontime electronic payment discount and jack the prices up like power companies do to make them less angry if that helps.





Richard rich.ms

mattwnz
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  #2279022 18-Jul-2019 14:28
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afe66:
richms:

 

afe66: My recent frustration is the closure of multiple location to a central hub in business area which doesn't have an ATM that accepts cheques. Like all the other banks..

Now I have to specifically head into business area drive round and round trying to find a park to deposit a cheque for a job that took less time to do then bank the cheque. And I cant deposit the cheque out of our when lots of parking because the ancient ATM.

(Some customers still insist on paying me in cheques)

 

 

 

Your choice to accept them without charging a fee for that hassle ontop of the amount.

 

 

 

You can post checks into the bank, which is what I do. They process them after a few days and they appear in the account.

 



I didnt know I could post a cheque to the bank and deposit it that way. If correct it would work for me. I can only physically leave my work place during bank working hours one day a week which compounds my frustration.

Probably less than 5% of clients pay by cheque. Insurance companies and direct debit are the usual payment methods. I suppose i could add a big fee for cheques but usually they are elderly. (Adding a fee for them would feel like kicking kittens)

 

 

 

I know you can with the TSB as they send you prepay envelopes to do it. But can you do this with other banks as well? 


freitasm
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  #2279225 18-Jul-2019 20:09
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@networkn: If she doesn't want the complications of internet banking I imagine changing banks would be much much worse.

 

 

I visited a NZ Post Shop/Kiwibank (one of the few left) for my RealMe update and saw a Kiwibank leaflet saying they are getting away with chequebooks now. So if the OP wants to continue using Kiwibank... Well, they need to get on Internet Banking double step.





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  #2280529 20-Jul-2019 22:55
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rugrat:

 

I write a cheque once every 5 to 10 years, usually to buy next car, it is above the amount allowed by bill pay, credit card surcharges rule out paying that way, so without a cheque book will best be going to the bank to get a 20k plus suit case of money?

 

 

I'm sure car dealers have other options they can offer. I (and other people I know) have had no issues paying for a car using a variety of cash-less methods.


freitasm
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  #2280535 20-Jul-2019 23:27
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KiwiSurfer:

 

rugrat:

 

I write a cheque once every 5 to 10 years, usually to buy next car, it is above the amount allowed by bill pay, credit card surcharges rule out paying that way, so without a cheque book will best be going to the bank to get a 20k plus suit case of money?

 

 

I'm sure car dealers have other options they can offer. I (and other people I know) have had no issues paying for a car using a variety of cash-less methods.

 

 

I bought a car on my credit card - just to get the cashback bonus. They accepted it - and it was low five digits.





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  #2280554 21-Jul-2019 05:03
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Last time I brought car 5 years ago, if I put it on my card they were going to charge from memory an extra 5%. I don’t want to pay an extra $1000 on a $20000 purchase! My cash back is less then 1%.

Most people probably buy on credit and pay the car off over time, I prefer to pay on one payment and try to get best price on car for doing so.

I think a cheque was involved with house sale and purchase, that was 15 years plus ago though.

quickymart
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  #2280559 21-Jul-2019 07:54
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I recall (many years ago) using a bank cheque to buy a car, and everyone was happy.

 

So if I have $10000 sitting in my account and I want to buy a car outright, is EFTPOS not an option? Last time I bought a car from a dealer was in 2010...and I don't remember how I paid for it.


Geese
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  #2280581 21-Jul-2019 09:29
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quickymart:

I recall (many years ago) using a bank cheque to buy a car, and everyone was happy.


So if I have $10000 sitting in my account and I want to buy a car outright, is EFTPOS not an option? Last time I bought a car from a dealer was in 2010...and I don't remember how I paid for it.



Usually if i buy a car in cash, I use a bank cheque. $5 fee from memory at Kiwibank, but they charge me to take cash out anyway so seems the better way to go.

Kiwibank has a $5000 daily account transaction limit, and it's from all sources, and I learnt the hard way on that second part. Bank cheques don't count which is why they are better for this purpose.

I bought a $9000 car from a dealer in 2017, paid $5000 by internet banking, the other $4000 in cash. Then overlooked that obviously I would have an insurance payment due out that same day for the car I had just purchased, and it was declined even though there was funds as it exceeded the daily $5000 limit.

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