What do I do?

[Creditplz]

Hi everybody, I'm just here to ask the question on whether this will clear into my checking account or not?. I did a drywall job that took about a day, and a client of mine wrote me a personal check. It did not clear and I got charged for a returned item fee! I was upset... I told him to pay up and he said he already sent me another check... Now I get this and it's from US Bank and it's a check that doesn't look personal?. What should I do? I don't want too many returned item fees..

[elim]

go to us bank and cash it.

[Creditplz]

They'll let me cash it??

[Anonymous]

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@Creditplz wrote:
They'll let me cash it??

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They'll probably charge you a $5-$10 fee to cash it if you're not a customer, and they will require two forms of government-issued ID, but they should let you cash it.  A number of  banks allow you to cash a check drawn on their bank if you pay a fee and if you have usually two forms of government-issued ID. Hope it works out.

[Anonymous]

That's a check generated through online bill pay. Very common (for a bank to see) and not unusual to be drawn off a different bank than the one the remitter banks at. Most banks outsource their online banking/bill pay to a few large providers who use one bank for all checks. 

[Creditplz]

I called US Bank and it was a bill pay check, they transferred me about 3 times but eventually told me the check will clear, they made it seem like it would only clear on overdraft but as long as it clears I'm okay with it..

[Tazman81]

Yes, bill pay checks are different depending on the bank.  Typically this acts just like the user writing a personal check and the funds are not removed from the account until the the check is present back to the bank.  Most banks do this so I would probably go ahead and take it to a US Bank if you have one in the area and cash it, even if there is a fee because at least that fee would likely be smaller than the Return Check fee your bank may be charging.

Chartway is one of the only banks that I know when you do a bill pay, even if they are sending a paper check, they immediately remove the funds from the account and then the "check" is drawn off of one of the bank's checks and makes their bill pay send certified funds.  Best of luck with getting this taken care of.