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Thread: Largest cash deposits before raising eyebrows?

  1. #61
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    Quote Originally Posted by sabad66 View Post
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    subtle brag re: 20k in chequing account?
    lol at least have an extra 0 to make it more interesting.
    Originally posted by rage2
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    Quote Originally Posted by max_boost View Post
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    lol at least have an extra 0 to make it more interesting.
    LOL wasn't even bragging. $20K on Beyond is poverty level....no where near baller status but deposit was easy. As others mentioned, teller had to go get a manager to come authorize it. Asked a couple questions about what for. Easy. And RBC holds the cheque for 4 business days. Def no dai lo
    Originally posted by GTS Jeff
    You know those bored stay at home moms who's entire lives revolve around driving their kids to soccer, various cleaning accessories, and worrying about neighbourhood rapists? The kind of people that watch the View and go "uh huh..." Those unfulfilled people who try to fill the void in their empty lives by writing whiny letters to the editor complaining about shit that no one really cares about?

    Well imagine if instead of writing that letter to the editor, she just posts on a car forum for car enthusiasts. That's Kritafo.

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    Quote Originally Posted by dj_rice View Post
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    LOL wasn't even bragging. $20K on Beyond is poverty level....no where near baller status but deposit was easy. As others mentioned, teller had to go get a manager to come authorize it. Asked a couple questions about what for. Easy. And RBC holds the cheque for 4 business days. Def no dai lo
    I guess I'm f'n bottlepicker then LOL

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    Quote Originally Posted by heavyfuel View Post
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    I guess I'm f'n bottlepicker then LOL
    Funny that you speak of that. I collect bottles at work to supplement my income. Gotta make those monthly car payments
    Originally posted by GTS Jeff
    You know those bored stay at home moms who's entire lives revolve around driving their kids to soccer, various cleaning accessories, and worrying about neighbourhood rapists? The kind of people that watch the View and go "uh huh..." Those unfulfilled people who try to fill the void in their empty lives by writing whiny letters to the editor complaining about shit that no one really cares about?

    Well imagine if instead of writing that letter to the editor, she just posts on a car forum for car enthusiasts. That's Kritafo.

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    Quote Originally Posted by max_boost View Post
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    lol at least have an extra 0 to make it more interesting.
    if you have 20k in chequing account, that means you should have 10x that in your savings, and 100x that in your investment accounts

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    It’s not like savings accounts pay you anything anyways.
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
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    fact.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

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    It would be very surprising to have a cheque on hold for 1-2 weeks, unless it was from the US. Most I've ever had to wait is maybe 5 business days, and they always say "up to."

    Of course if you're a repeat client, the cheque is from the same person and can have the bank manager authorize it, they will allow large deposits like that to be available immediately. All the B/M does is put a note on your account - I had to remind the tellers often as they were not typically aware these kind of deposits were possible without holds.
    Ultracrepidarian

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    Quote Originally Posted by killramos View Post
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    It’s not like savings accounts pay you anything anyways.
    The only reason I can see to use a "savings account" is if it not accessible by your debit card, and the debit card is for chequing only. Would help in bank fraud situations to limit access to your money.

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    Not really related but not worth a new thread and I didn't see an existing one.
    I used a bank draft to make an offer on something and my offer was not accepted. The bank draft has been returned to me. It is not lost or stolen, it's back with me.
    Can I do something as simple as stick it in an ATM, or, do I need to take it to a human teller and somehow get it put back in my account?
    It is not made out to me (I am not the payee).

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    fun fact... if i deposit up to a $25k cheque from a trust account via teller at BMO there is a partial hold till they can call and verify funds, but if i put it in a machine or use the mobile app there is zero hold

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    ...
    Last edited by Sugarphreak; 08-18-2019 at 04:26 PM.

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    I’m moving to a manulife one account myself... can play with different terms for sub accounts, then also leave some on the LOC portion of you want to essentially extend your amortization for better cash flow. Use it as your main bank account to reduce interest charges on the LOC as they calculate it daily. The ultimate for managing fluctuations in income as the P+I sub accounts pay themselves from the main LOC as long as there is room. Can also have the sub accounts readvancing so you never have to refinance again to add room to the LOC. Once it’s free and clear they also pay a decent interest rate if you use it as your savings account

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    ...
    Last edited by Sugarphreak; 08-18-2019 at 04:26 PM.

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    For the sub accounts (P+I mortgage component) it ranges from 3.24-3.79, main account (LOC) is P+0.5, 1.5% credit if you have a positive balance

    So a little out of market for sure, but for the flexibility I’m fine with the premium, especially since it’s a better rate than my current mortgage of P-0.5 on the fixed terms.
    Last edited by ercchry; 05-01-2019 at 08:43 AM.

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    Quote Originally Posted by dj_rice View Post
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    Funny that you speak of that. I collect bottles at work to supplement my income. Gotta make those monthly car payments
    Nothing wrong with hustling, not all of us can be Jordan Belforts! I sometimes sell some loot from work lol that's the fun money.

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    Quote Originally Posted by ThePenIsMightier View Post
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    Not really related but not worth a new thread and I didn't see an existing one.
    I used a bank draft to make an offer on something and my offer was not accepted. The bank draft has been returned to me. It is not lost or stolen, it's back with me.
    Can I do something as simple as stick it in an ATM, or, do I need to take it to a human teller and somehow get it put back in my account?
    It is not made out to me (I am not the payee).
    So, answering my own question...
    The process is very simple as long as you are in possession of the Bank Draft. Hand it to the teller and it will be deposited back into your account.
    She also told me I could've used an ATM, but the money would've been held a few days.
    Easy.
    I actually got in an argument with my co-worker (a financial controller) who insisted that the payee would need to cash it and give me money. It would be impossible for the bank to take it back from me, even though I'm the one that had it written. Idiot.

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    Only kinda related, and I can't find a better thread for this. But have a current offer for 17k for my truck, and the guy seems to not have a bank account, so he's requested to pay all in cash.
    I'd kinda prefer not to take that many paper bills from a stranger. I'm asking additional questions to see how comfortable I feel with this fine gentleman.

    Walking into a bank branch and watching him order a bank draft would feel better.
    Quote Originally Posted by killramos View Post
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

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    Quote Originally Posted by ExtraSlow View Post
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    Only kinda related, and I can't find a better thread for this. But have a current offer for 17k for my truck, and the guy seems to not have a bank account, so he's requested to pay all in cash.
    I'd kinda prefer not to take that many paper bills from a stranger. I'm asking additional questions to see how comfortable I feel with this fine gentleman.

    Walking into a bank branch and watching him order a bank draft would feel better.
    or walk into your branch with him, and have him give the cash to the teller to deposit to your account. They can check to see if it is counterfeit or not too. once it is in your account....Profit???
    Boosted life tip #329
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    Both make whining noises
    Make the smart choice.

    Originally posted by Mibz
    Always a fucking awful experience seeing spikers. Extra awful when he laps me.

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    Quote Originally Posted by ExtraSlow View Post
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    Only kinda related, and I can't find a better thread for this. But have a current offer for 17k for my truck, and the guy seems to not have a bank account, so he's requested to pay all in cash.
    I'd kinda prefer not to take that many paper bills from a stranger. I'm asking additional questions to see how comfortable I feel with this fine gentleman.

    Walking into a bank branch and watching him order a bank draft would feel better.
    Couldn't you just deposit it in person with him, they'll run it through their bill counter and spit out the fakes in real time. I assume you wouldn't have any additional concerns?
    Originally posted by SJW
    Once again another useless post by JRSCOOLDUDE.
    Originally posted by snowcat
    Don't let the e-thugs and faggots get to you when they quote your posts and write stupid shit.
    Originally posted by JRSC00LUDE
    I say stupid shit all the time.
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    Quote Originally Posted by JRSC00LUDE View Post
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    Couldn't you just deposit it in person with him, they'll run it through their bill counter and spit out the fakes in real time. I assume you wouldn't have any additional concerns?
    unoriginal prick.
    Boosted life tip #329
    Girlfriends cost money
    Turbos cost money
    Both make whining noises
    Make the smart choice.

    Originally posted by Mibz
    Always a fucking awful experience seeing spikers. Extra awful when he laps me.

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