Ok so got my check today.Was @ the BOA,before 2pm.Gave the BOA person the check,swiped my ID.Ran the check through, then called what I think was her manager.Manager said whats the check for,job,do you have a bank accnt here or other,(nobank accnt. sales commission).Ok she said,let me call the bank up to verify the check.Afer 10min. she comes back and tells me the banks closed(The BOA that issued the check),to come back mon.Hopefully all goes smoothly monday.
I'm chiming in because your username suggests you live in the same state I did, and I have some experience dealing with helping employees turn their checks into cash.
I work (on call, part-time) for a construction company in the Bay Area of CA. I know for a fact some of the people we have as laborers are not legal citizens and are running on fake SSNs/ID cards.
We still pay them by check, and they still manage to cash out at the check cashing places. We bank with Bank of America but they usually do not go to Bank of America to get their cut. Our legal machine operators without bank accounts (or with bank levies) will cashout at Bank of America, but they're used to running into trouble that way until the local branch gets to know them. A lot of our guys run cash-only.
If you can avoid going cash-only, handling checks becomes a lot easier:
Open an Ally (online-only) account and deposit the check by scanning it. I've deposited all my payroll/private checks for at least 8 months like this. Chase has a similar feature that allows you to take a picture using your phone as a substitute check. USAA Credit Union has the ability to receive scanned checks and deposit them.
Bank of America and Chase both allow deposits by check at most of their ATMs. The ATMs just feed the check, scan it, verify the scan information with you, and then deposit it.
Anything that keeps you from having to deal with a teller is preferred IMO, and that's only possible if you use a bank that will handle the check for you.
It sounds like you're doing everything you can to avoid using a Bank Branch of your own though (going cash-only), which I understand, but you may end up running into a lot of hassle that way. You'll HAVE to deal with a teller then. That hassle is not TangibleCrypto's fault, it's the nature of how U.S. banks are run. Check cashing places taking a fee or having to hope that the BofA branch you're at will cash the check without messing with you is the nature of the beast.
As long as the check drawn to you is valid TC has rendered you payment. I'm almost certain that's the case.
I think the reason your BofA didn't cash your check on-the-spot was because they have never seen you before, it's unusual for someone they haven't seen before to outright cash (not deposit) a check, it's probably an out-of-state check, and they want to double-check that the check was legitimately (not fraudulently) written from an account that has funds available. The manager wanting to make a call as a result of all these factors probably is not very unusual.
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