Employer bouncing pay check.

[bigfoot98]

Hi all, my small business employer has had an issue with bouncing my paycheck. It has happened twice in the past 4 months. They said it was because they forgot to move funds or a transfer didn't go through in-time. My gripe is that in 2020 they haven't adopted any new ways of doing things, they still bill customers by mail instead of in-person when all of our competitors do, I should add that it is a skilled trade. They also have 3 different people look at work orders/invoices before sending a bill, of our 4 total employees, and it has taken several customers over 2 months to get billed. The office manager and the jman are so over worked that this stuff just happens, but I am trying to figure out a way to keep this from occuring again. Luckily NFCU has been awesome and said they won't charge fees unless the same check bounces after 2 attempts to collect, and they have not placed restrictions on my account.

What are your thoughts on this? Is there a way I should suggest they do things or just hope Navy doesn't change their ways and start charging fees/taking AA?

[TheFIGuy]

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@bigfoot98 wrote:

Hi all, my small business employer has had an issue with bouncing my paycheck. It has happened twice in the past 4 months. They said it was because they forgot to move funds or a transfer didn't go through in-time. My gripe is that in 2020 they haven't adopted any new ways of doing things, they still bill customers by mail instead of in-person when all of our competitors do, I should add that it is a skilled trade. They also have 3 different people look at work orders/invoices before sending a bill, of our 4 total employees, and it has taken several customers over 2 months to get billed. The office manager and the jman are so over worked that this stuff just happens, but I am trying to figure out a way to keep this from occuring again. Luckily NFCU has been awesome and said they won't charge fees unless the same check bounces after 2 attempts to collect, and they have not placed restrictions on my account.

What are your thoughts on this? Is there a way I should suggest they do things or just hope Navy doesn't change their ways and start charging fees/taking AA?

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IMHO, I wouldn't feel in the slightest comfortable with my employer bouncing a check 1x, let alone 2x. I might be a bit dark, but if I'm showing up to work on time and working my full hours, the employer can pay me on time and in full. I would have a serious talking with my direct manager and the accounting department. If they cannot get it right it's either we need to direct deposit or I'm out.

If I were a UW and saw the consumer's employer bouncing multiple checks, I probably wouldn't be comfortable extending credit to them.  

[bigfoot98]

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@TheFIGuy wrote:

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@bigfoot98 wrote:

Hi all, my small business employer has had an issue with bouncing my paycheck. It has happened twice in the past 4 months. They said it was because they forgot to move funds or a transfer didn't go through in-time. My gripe is that in 2020 they haven't adopted any new ways of doing things, they still bill customers by mail instead of in-person when all of our competitors do, I should add that it is a skilled trade. They also have 3 different people look at work orders/invoices before sending a bill, of our 4 total employees, and it has taken several customers over 2 months to get billed. The office manager and the jman are so over worked that this stuff just happens, but I am trying to figure out a way to keep this from occuring again. Luckily NFCU has been awesome and said they won't charge fees unless the same check bounces after 2 attempts to collect, and they have not placed restrictions on my account.

What are your thoughts on this? Is there a way I should suggest they do things or just hope Navy doesn't change their ways and start charging fees/taking AA?

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IMHO, I wouldn't feel in the slightest comfortable with my employer bouncing a check 1x, let alone 2x. I might be a bit dark, but if I'm showing up to work on time and working my full hours, the employer can pay me on time and in full. I would have a serious talking with my direct manager and the accounting department. If they cannot get it right it's either we need to direct deposit or I'm out.

If I were a UW and saw the consumer's employer bouncing multiple checks, I probably wouldn't be comfortable extending credit to them.  

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Thats what the consensus was when I asked around, I'm only 22 and an apprentice so my boss talks to me a such. With that being said I want to talk them about it but I am trying to come with some sort of solution to help them in the long run. I have ZERO plans to stay with them long term, but short term they are fulfilling a need, experience and income(when the check goes through). They don't offer good health benefits and no retirement benefits, and as such the bounced checks put the nail in the coffin for staying, but is speeding up the leaving process. I almost had a facility maintenace team job, but COVID stopped that dead in it's tracks, they would've hired me about a month earlier but they said they can't justify expanding facilities when everyone is working at home, they did not lay off anyone though so hopefully that can go thru at some point.

[Anonymous]

Anytime an Employer starts bouncing checks it's not a good sign, as it usually means they do not have the liquiduty to cover these expenses. And is likely why they're still paying by good old fashon checks as oppose to DD, it buys them a little more time to shuffle funds. I would say in this instance you really do need to speak to them on matter and find a solution, and if it happens again I'd be for getting paid in cash at the end of the day or week. Not building up hours in the even you don't get paid and the business folds altogether.

Some smaller business still use antiquated means for whatever reasons, mainly costs, yet it should be so easy in today's electronic age for just about any Company to utilize for a smoother and quicker process. If it takes 2 months just to get billed isn't it now technically 60 days late? lol  I have to say as a customer that's poor service, after 2 months of not hearing from someone I'd forget all about it and move on in life. 

Good luck with however you decide to deal with this matter!

[jmw1]

You needed to start looking for a new job back when paycheck #1 bounced.   It doesn't matter if they made good on both paychecks. The employee is the last person to owe a debt to so you know they're in very, very dire straits. This is not a recoverable situation in 99.9% of the cases. Good luck with the job search and hope you can resign from the old job soon.

[tcbofade]

I'm going with the crowd on this one.

When your paycheck bounces, the time to start looking for a new job is NOW.

Whether the problem is cash flow, dishonesty, or an honest mistake is irrelevant.

It's time to find something else. 

Good luck!

[Hex]

I'm sorry this happened to you. If possible take the check into the bank it was written on and cash it. They might tell you there are insufficient funds to pay you but at least you won't have to worry about it bouncing in one of your accounts. 

[Anonymous]

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@Hex wrote:

... take the check into the bank it was written on and cash it ... 

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I'd do this (and look for a more solvent employer). Good luck.

[bigfoot98]

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@Anonymous wrote:

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@Hex wrote:

... take the check into the bank it was written on and cash it ... 

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I'd do this (and look for a more solvent employer). Good luck.

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Luckily I have not had an issue with not being paid at all, the check eventually went thru both times. 

NFCU's policy is to reattempt collection after 5 business days and then if it is not paid they treat it as a returned deposit with fees and the associated baggage.

Also it is from PNC and they charge a fee to cash checks written on PNC for non-customers. I have no intention of opening an account there as I have always revieved better treatment/service from CU's, and Navy is no exception to that.

[bigfoot98]

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@tcbofade wrote:

I'm going with the crowd on this one.

When your paycheck bounces, the time to start looking for a new job is NOW.

Whether the problem is cash flow, dishonesty, or an honest mistake is irrelevant.

It's time to find something else. 

Good luck!

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That is the plan, I have a few things I'm looking into, but for now I still need a job. I never had intentions to stay with them, just needed experience when I got the job, but this and other things going on have nailed the coffin on them. Hopefully by the end of the year I will have a new employer, trying to find an electrical contractor that I want to work for, is hiring, and at a rate that I can accept, isn't as easy as one would think.