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Archive (no new threads please) >> Searching, Buying, Paying, Shipping, Storing >> How do I cash a Cashier's Check
(Message started by: Erl00 on Sep 28th, 2004, 9:47am)

Title: How do I cash a Cashier's Check
Post by Erl00 on Sep 28th, 2004, 9:47am

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  8) Another victory against ripping [smiley=evil.gif]

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?  [smiley=idea.gif]

Thank you
Eric.  :)

Title: Re: How do I cash a Cashier's Check
Post by dragsamou on Sep 28th, 2004, 11:03am


on 09/28/04 at 09:47:05, 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  8) Another victory against ripping [smiley=evil.gif]

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?  [smiley=idea.gif]

Thank you
Eric.  :)


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.

Title: Re: How do I cash a Cashier's Check
Post by Erl00 on Sep 28th, 2004, 11:46am


on 09/28/04 at 11:03:20, 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.


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 ;D

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 ...

Title: Re: How do I cash a Cashier's Check
Post by themike314 on Sep 28th, 2004, 11:56am

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.)

Title: Re: How do I cash a Cashier's Check
Post by victorcamp on Sep 28th, 2004, 2:38pm

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%.

Title: Re: How do I cash a Cashier's Check
Post by Erl00 on Sep 28th, 2004, 3:49pm

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  ;D

Best regards,
Eric.

Title: Re: How do I cash a Cashier's Check
Post by coolio on Sep 28th, 2004, 4:39pm

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


Title: Re: How do I cash a Cashier's Check
Post by themike314 on Sep 28th, 2004, 7:28pm

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  





Title: Re: How do I cash a Cashier's Check
Post by dry_cereal on Sep 29th, 2004, 12:09am

how did you bag the ripper?

Title: Re: How do I cash a Cashier's Check
Post by Erl00 on Sep 30th, 2004, 12:21pm

Thank you all of you for the very precious pieces of advice!!  :D

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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