Poor Person's Quesstion

[NYDisneyMom]

I'm pretty sure they put checks through those "tele-check" systems, pretty much the same as getting approval on a credit card. If there are not enough funds in the checking account at that time, it will not go through.

 

[casiland]

Just a FYI. Those tele-check systems are in no way linked to banks, so it can't tell you if there is enough funds to cover. All they are good for is saying that the person doesn't have any bounced checks that have been sent to collections. My suggestion would be to see if direct deposit is an option for your vacation check, then the money would already be in your account and you wouldn't have to stress. If this isn't an option. Talk to a trusted friend and see if they can deposit it for you. I know most of the banks here all you have to do is write for deposit only and the account number on the back. Good luck and let us know what happens.

 

[jann1033]

Originally posted by casiland
Just a FYI. Those tele-check systems are in no way linked to banks, so it can't tell you if there is enough funds to cover. All they are good for is saying that the person doesn't have any bounced checks that have been sent to collections. My suggestion would be to see if direct deposit is an option for your vacation check, then the money would already be in your account and you wouldn't have to stress. If this isn't an option. Talk to a trusted friend and see if they can deposit it for you. I know most of the banks here all you have to do is write for deposit only and the account number on the back. Good luck and let us know what happens.

could you call your bank and let them know so and so will be depositing checks into your account and if you know the amounts before hand tell them? I have been able to do it for people that way before...of course every bank if different but if they know you at your branch they may be willing to go along with it..plus I could be wrong but I thought you could change the date but not go to a cheaper package( I just asked the travel agent a similar question since we had a snafu with a work schedule and I may have to change dates...maybe I'm wrong plus that was for the winter dream package and for more than a couple weeks away.

 

[casiland]

Of course to allieve a lot of your worries you could just take out a check loan. You tell them what day you want the check deposited into your account so you could get on before you leave and than have it hit after you get back. The fees involved are minimal (usually $10 per week per hundred) compared to the relief you'll have not having to worry about beating the check. Just an option.

 

[MissSwish]

Casiland, I was thinking of the check loan also, but I'm not sure this will work for NadineNurse as she will need a current paycheck stub which I don't think she'll have from the new job yet and a stub from the old job might not work, because it will be too old?

If you do go this route and don't have a new check stub, you might have to fib about the old job.

Most of these places either hold your check until the date you tell them to cash it or give you a date by which to bring in the money to re-claim your uncashed check.

Hope you find a solution and Congrats on the new job.

 

[Tiggerlover91]

Seems to me that DIRECT DEPOSIT is going to be your best bet! I don't see any other way for you to make it happen. You have to be very careful writing checks for money that isn't there. I've had checks go through in just one day and luckily for me, money was deposited into the count the day before. Best to you though! Work on direct deposit. If you can't afford to come back home or eat, I don't understand how you're gonna make it work.

Keep us posted!

Denise

 

[bearloch]

how about applying for a credit card over the phone or internet you would get it in a few days! or see if a family member would get you a prepaid card and you endorse the vacation checks to them or can you contact past employer and ask if you can get the vacation checks now? Or get a neighbor to overnight the checks to you at disney then you can cash them and pay in cash.

best of luck

 

[Halle]

I think you should call your bank and ask how long it takes to set up a direct deposit account. If I were you I'd ask a friend to deposit the check in your bank. Anyone can do that for another person just give them your account number or speak to your branch manager and let the manager know the name of the person who will be depositing your check and tell the friend to speak to the branch manager. Good luck!!

 

[SlightlyGoofy]

Check fees are nominal at $10 per hundred? That caused my thrifty heart to go pitter pat. We go to Disney on the interest we DO NOT pay. (smiling)

Hoping that you get it all sorted out and have a great vacation.

BTW, I well remember the days when we did not have it all together and such worry and stress. Gave us character to go through those times and we appreciate these days even more.

Slightly Goofy/Linda

 

[NADINENURSE]

Here is the scoop... Fairy tale package is totally paid, transport back is not and seems to vary in cost by the week from $450 to $800, which will be purchased next week, yes, I wil have enough money for food and incidentials on check out, but would much rather pay by the "slightly" rubber check, as I do not have family who can deposit my paycheck or my husbands, both our employers do not have direct deposit, and yes, have run out of ideas , that is why I posted here, to seek all the answers I have gotten. I do not wish to fly home with low funds, just in case ( you never know), and wanted to do the funny check for that reason. Again, , true confession, I am not trying to squirm out of the bill, and frankly, Im sure there have been people who have done exacty what I have proposed here, but have not been brave, or stupid enough to admit thinking about it to the over 500,00 people registered at this site, or the over 1700 people indicated as viewed this post. I thank everyone for their responses. It is really funny how life can throw you a curve, when I booked the fairy tale package, I orginally had another week at our time share, was making weekly deposits to our savings account so there would be this nice big nest egg for the vacation and then BANG !!, no job, used the nest egg to live on , and here I am at this circumstance. I dont know why I have confessed so much here, people on this site seemed to be supportive and that was exactly what I sought here. Slightlygoffy, you got it right, the stress is enough to drive one to serious Prozac use. Thanks again to all for your posts

 

[scanmom]

I hope you don't feel like we are making this MORE stressful for you. I personally don't blame you for thinking of " creative financing' at this point. I have done the same in the past when absolutley necessary. I was just trying to understand the situation. I wish I had better advice to give you, but I am fresh out of ideas. Good luck, and have a magical trip!!!!

 

[jann1033]

Originally posted by NADINENURSE
Here is the scoop... Fairy tale package is totally paid, transport back is not and seems to vary in cost by the week from $450 to $800, which will be purchased next week, yes, I wil have enough money for food and incidentials on check out, but would much rather pay by the "slightly" rubber check, as I do not have family who can deposit my paycheck or my husbands, both our employers do not have direct deposit, and yes, have run out of ideas , that is why I posted here, to seek all the answers I have gotten. I do not wish to fly home with low funds, just in case ( you never know), and wanted to do the funny check for that reason. Again, , true confession, I am not trying to squirm out of the bill, and frankly, Im sure there have been people who have done exacty what I have proposed here, but have not been brave, or stupid enough to admit thinking about it to the over 500,00 people registered at this site, or the over 1700 people indicated as viewed this post. I thank everyone for their responses. It is really funny how life can throw you a curve, when I booked the fairy tale package, I orginally had another week at our time share, was making weekly deposits to our savings account so there would be this nice big nest egg for the vacation and then BANG !!, no job, used the nest egg to live on , and here I am at this circumstance. I dont know why I have confessed so much here, people on this site seemed to be supportive and that was exactly what I sought here. Slightlygoffy, you got it right, the stress is enough to drive one to serious Prozac use. Thanks again to all for your posts

since everyone here is not rolling in $1000.00 bills, ( at least I'm not) it's understandable for your caution/stress/whatever.my husband is self-emplyed and we have been up till early am of the day we are supposed to leave for vacation to get the check to put in the bank to have enough to go with. I wonder though if you have looked into bestfares.com, hotwire or priceline for the return fare. also Air tran had one for 59.00 (from cleveland to orlando and the same amount back.don't know if it's still available or not) I have used priceline before with no problems and have heard they have great last min. rates sometimes. there is a post some where, maybe on here or a bidding site ( sorry about not remembering the name, maybe someone else will) that helps you get the best rates there. it may cut the return fare enough to give you some breathing room. hope it works out for you and you can enjoy yourself.

 

[Jasminesmommy]

Keep in mind since it is a new job it might take your bank 5 business days to clear the check which means the check you wrote could bounce. also have you tried check into cash and just suck up that service charge. It will be worth it instead of bouncing!

 

[Tigger1]

How about driving to Disney. Depending on how many are flying it could save a few bucs. You do risk having car trouble at that point though and would need extra cash incase. I like the priceline idea.

I would avoid the rubber check idea if possible. IT seems to be causing too much stress already. Also, is it possible that your new job might hold the first check for a couple of weeks.

I buy very few souveniors at Disney. We go to the Disney outlets that I still spend too much money at. At Disney I buy the popcorn in buckets. The buckets are fun to use for popcorn or whatever once we are home. Cheap souvenior for about $4.00.

We ate at Animal Kingdom about 3 times. We got the lunch plan that included main meal (BBQ ribs for us) which included corn, beans and large drink, Also we got tickets for another drink and ice cream for latter. The cost was $11.99 for adults and thats all we needed for the day with the exception of snacks at the hotel. We also purchase refillable mugs at the hotel if we stay at the hotel for any length of time.

Disney has so much to enjoy without paying more than the tickets for the parks.

I think it could be kinda fun to see how much you can get for as little as possible. With a family of 5 children we brag on what we do for so much less than others spend. These boards have made it possible. Reminder, free soda samples at Epcot.

Think about how nice it would be to come back from vacation and still have checks that are not spent. If your plane is delayed on the way back wouldnt the airlines cash a check for you for meals while you wait on them?

Hope it all works out

Tigger

 

[Lewisc]

I'd suggest you try to get overdraft protection at your bank. That'll cover you if for some reason your check to Disney clears before your deposit. Sometimes places will call the bank to make sure there are funds. Many places run a credit check before they accept your check, they use services.

 

[MissSwish]

If you do choose to bid via Priceline for your return flight, be sure to visit www.biddingfortravel.com which will help you determine how much to bid by showing you what similar bids have been successful.

I also use a free download called sidestep which does comparison shopping for airlines, hotels and rental cars, once I know which airline is cheapest, I visit their websites to see if there are any online discounts.

Good luck, I wish you all the best.

 

[manhattan]

How about changing your FTP? Staying in another hotel? What I am trying to say is- we had Poly booked, but found out that for the same price (and some change left over) we could stay at one of the moderates and have airfare and transportation included. I am sure Disney would prefer to "modify" your vacation instead of you cancelling your vacation. The "rubber" check is a little too riskly for me. I paid once with a check and they did call the bank to make sure I had sufficient funds.

 

[Lewisc]

Most of the timeshare people will give you a meal and theme park tickets. If you tell them you already bought your tickets you can (usually) get cash instead (around $100).

If things are very tight you might consider doing one or two "tours".

 

[Danemom]

Yes, you will run a chance of bouncing the check but I really doubt the check would go through before you get your check deposited.
Even if it did, what's the worst that would happen? You'd get stuck with a fee from your bank and possibly from Disney, if your bank didn't cash it.

My only concern would be that Disney would verify the acct balance when you wrote the check. But, honestly, what could they do if you had no other way to pay it? They'd have to take your word (and check!) that the money would be there.

No, this is not ideal but I agree that there are times where "creative financing" (love the term!) has to be used.

 

[DMRick]

But, honestly, what could they do if you had no other way to pay it?

Umm..not let her stay?