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Topic: How do I cash a Cashier's Check (Read 175 times) |
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Erl00
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How do I cash a Cashier's Check
« on: Sep 28th, 2004, 9:47am » |
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Hello all,
This has already been posted on MOTL but I guess a thread here wouldn't harm 
A few months ago, I have filed a Mail Fraud complaint against a ripper on eBay. I couldn't get reimbursed from Paypal as I had let the 30-day delay pass.
Today, I have had the very good surprise to recieve a registered letter from the Department of Justice of Oregon including a Cashier's Check from Bank of America labelled to the order of my name for the $145 the guy had ripped me off. Yeah  Another victory against ripping 
As you know, I am French and I live in France. Cashing US$ is not possible here.
My simple question is: How do I get my money?
Ancillary questions:
- Do I need to have a bank account in the US to cash a Cashier's Check?
- Do I need to have a physical address in the US to open a Bank Account in the US?
- If I go to the US myself in the next 70 days (validity limit of the check), can I just go to ANY bank and get cash against this cashier's check?
- If I go to the US myself in the next 70 days (validity limit of the check), can I just go to the Bank of America (bank named on the check) and get cash against this cashier's check?
- Last recourse, can I send the check to someone living in the US with a letter hand-written from me + photocopy of my passport to prove my identity, so that this person can cash the check on my behalf?
Any other idea? 
Thank you
Eric.
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dragsamou
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Re: How do I cash a Cashier's Check
« Reply #1 on: Sep 28th, 2004, 11:03am » |
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on Sep 28th, 2004, 9:47am, Erl00 wrote:
Hello all,
This has already been posted on MOTL but I guess a thread here wouldn't harm
A few months ago, I have filed a Mail Fraud complaint against a ripper on eBay. I couldn't get reimbursed from Paypal as I had let the 30-day delay pass.
Today, I have had the very good surprise to recieve a registered letter from the Department of Justice of Oregon including a Cashier's Check from Bank of America labelled to the order of my name for the $145 the guy had ripped me off. Yeah Another victory against ripping
As you know, I am French and I live in France. Cashing US$ is not possible here.
My simple question is: How do I get my money?
Ancillary questions:
- Do I need to have a bank account in the US to cash a Cashier's Check?
- Do I need to have a physical address in the US to open a Bank Account in the US?
- If I go to the US myself in the next 70 days (validity limit of the check), can I just go to ANY bank and get cash against this cashier's check?
- If I go to the US myself in the next 70 days (validity limit of the check), can I just go to the Bank of America (bank named on the check) and get cash against this cashier's check?
- Last recourse, can I send the check to someone living in the US with a letter hand-written from me + photocopy of my passport to prove my identity, so that this person can cash the check on my behalf?
Any other idea?
Thank you
Eric.
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Hi Eric.
Long time ago,I did get a US check,I went to Bank of America representation in Paris,and they did changed the amount of Dollars in Euros.Another time,I simply put the check at my bank and they add it to my $ Account.
Hope this help.
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Erl00
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Re: How do I cash a Cashier's Check
« Reply #2 on: Sep 28th, 2004, 11:46am » |
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on Sep 28th, 2004, 11:03am, dragsamou wrote:
Hi Eric.
Long time ago,I did get a US check,I went to Bank of America representation in Paris,and they did changed the amount of Dollars in Euros.Another time,I simply put the check at my bank and they add it to my $ Account.
Hope this help.
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Thanks Alexis
Do you remember if they took you huge amounts of transactions fees for cashing the check?
I will call Bank of America in Paris (didn't know they had on office there )
Anyway, as I am travelling to the US next week (lol, good timing), if there's an easy way to transform this check into solid cash without fees there, I am still interested 
Regards,
Eric.
EDIT: Just called BoA in Paris and they told me that, as I am not a multinational company they wouldn't move their small finger for me  but that I should be able to cash the check in the US ...
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| « Last Edit: Sep 28th, 2004, 11:51am by Erl00 » |
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themike314
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Re: How do I cash a Cashier's Check
« Reply #3 on: Sep 28th, 2004, 11:56am » |
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If you are going to the U.S., you should definately be able to cash the check in any bank.
You'll need some sort of ID (passport).
Most banks will charge you a couple of dollars if you don't have an account with them.
You should also be able to cash the check at a supermarket/grocery store, or Wal-Mart - though they will probably charge you more to do so. (Although you might be lucky enough to run across one that does it for free.)
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victorcamp
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Re: How do I cash a Cashier's Check
« Reply #4 on: Sep 28th, 2004, 2:38pm » |
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Good suggestions all. Since Cashier's checks are guaranteed, you should be able to cash it anywhere here in the U.S. with proper identification (such as your passport). Fees will vary. A Bank of America should cash it with no fees, since my experience is that all banks cash their own checks free. The places to avoid, however, are check-cashing stores (the places that specialize in payday loans), where fees can go as high as 10%.
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Erl00
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Re: How do I cash a Cashier's Check
« Reply #5 on: Sep 28th, 2004, 3:49pm » |
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Thank you very much all of you for the good suggestion. I am very glad to go to the US next week indeed
And I assume it won't be difficult to find a Bank of America agency in LA, Vegas or SFO
Best regards,
Eric.
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coolio
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Re: How do I cash a Cashier's Check
« Reply #6 on: Sep 28th, 2004, 4:39pm » |
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stop by a bank of america branch (or fleet for that matter, they merged after all) and u should be able to cash it. as for any bank cashing that check just because it's a cashiers check... i dont know... the banking system here is way messed up
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themike314
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Re: How do I cash a Cashier's Check
« Reply #7 on: Sep 28th, 2004, 7:28pm » |
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Bank of America branches:
Las Vegas:
3150 N Rainbow Blvd
Las Vegas, NV 89108
8581 W Lake Mead Blvd
Las Vegas, NV 89128
8550 W Cheyenne Ave
Las Vegas, NV 89129
6900 Westcliff Dr
Las Vegas, NV 89145
4361 N Rancho Dr
Las Vegas, NV 89130
Los Angeles:
9021 W Sunset Blvd
West Hollywood, CA 90069
12223 Ventura Blvd
Studio City, CA 91604
8921 Santa Monica Blvd
West Hollywood, CA 90069
460 N Beverly Dr
Beverly Hills, CA 90210
8655 Beverly Blvd
Los Angeles, CA 90048
San Francisco:
1275 Fell St
San Francisco, CA 94117
2835 Geary Blvd
San Francisco, CA 94118
3565 California St
San Francisco, CA 94118
2310 Fillmore St
San Francisco, CA 94115
501 Castro St
San Francisco, CA 94114
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dry_cereal
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Re: How do I cash a Cashier's Check
« Reply #8 on: Sep 29th, 2004, 12:09am » |
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how did you bag the ripper?
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Erl00
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Re: How do I cash a Cashier's Check
« Reply #9 on: Sep 30th, 2004, 12:21pm » |
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Thank you all of you for the very precious pieces of advice!! 
To answer your question Ben, I went to the USPS Mail Fraud Complaint Center.
https://www.usps.com/postalinspectors/fraud/MailFraudComplaint.htm
It led to nothing ...
So I went to http://www.ifccfbi.gov/cf1.asp and this seems to have worked!!
Eric.
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