Check Payment => bank account ?

[Flat Eric]

okay so i received my first check..
went to the bank and found out that in order to get that money I need to do a lot of complicated financial-related stuff like:

- open an account
- pay 50$ cash (minimum amount that has to stay in that account)
- wait for 45 days until they get the actual money from the issuer of the check (ab)
- get the money from the account (with a commision to the bank of course)

Is there any way that things could be a lot easyer?
Like maybe FedEx.. do they send the actual money by FedEx?

Thanks//

[AB-Rob]

yes we can fedex or wire

but fedex also gives you a check :)

wires are $35 per. :)

[ggmovies]

OMG is flat eric serious. The only way your ever gunna get money from ab is to open a freakin bank account.

[YoungDVDs]

For real, come on man its 2004 we have banks these days. Where do you have your money now? Under your matress?

[Flat Eric]

I have a bank account, but not in $... that's the problem..
hehe.. I'm in Romania.. most people here don't even know what a bank is!

Thanks anyway.. :)

[babydred]

I always wondered why there is no secured, direct-deposit payment option...and i don't mean by wire (like moneygram or western union)either...

When i was working (before i hurt my back) i had direct deposit (the company insisted on it) and i didn't have to pay a fee and it was faster and more secure than a check!

[chaleemam]

hi Flat Eric

i have something to ask you , have you been charged on check by adultbouncer 's bank ? i just would like to know about you , that is because i myself have been charged $22 for free service ( check) by ab 's bank :cry:

[Flat Eric]

no.
I have been payed by ab
because I'm a webmaster :D

[ggmovies]

chaleemam

I believe the fee your talking about is being charged by your bank. Possibly either a currency conversion fee or a foreign check fee.



babydred

I know what your talkin about. I believe when it comes to direct deposit the employer actually pays the fees to transfer money to your account.

[Project-Shadow]

no.
I have been payed by ab
because I'm a webmaster :D

Eric I know what you mean by the bank state in Romania.. awful :/
What I do suggest is that you get it wired, it will cost a bit more, however it will save a lot of hassle..

Alternatively you could try to get a dollar account. Don't know where you are in Romania, but when I was in Arad that was a possibility.. however I don't trust the banks there.. you could try to get a friend abroad to cash it for you and send you the money dunno. Plenty of possibilities!

[chaleemam]

ggmovies

oh no , it is only $10 fee for my bank to process the check and the money has already been transfered into my account ,my bank informed me that i was charged another $22 by adultbouncer 's bank , i contacted ab staff to resolve this problem but until now don't receive his answer back yet , have any foreign webmasters ever found the problem like me ? :cry:

[AB-Devil]

ggmovies

oh no , it is only $10 fee for my bank to process the check and the money has already been transfered into my account ,my bank informed me that i was charged another $22 by adultbouncer 's bank , i contacted ab staff to resolve this problem but until now don't receive his answer back yet , have any foreign webmasters ever found the problem like me ? :cry:

The $22 charge was for a conversion to your currency. This will continue unless you can find a different bank. Each bank is individual when it comes to what fees it charges.

[chaleemam]

AB- Devil

oh my god adultbouncer announces that no fee for regular mail (check) , then why did your bank even charge me for a fee ? , i earn with the program of many companies around the world , i am never charged for free service (check) by their banks . :cry:

[babydred]

AB- Devil

oh my god adultbouncer announces that no fee for regular mail (check) , then why did your bank even charge me for a fee ? , i earn with the program of many companies around the world , i am never charged for free service (check) by their banks . :cry:

He answered that already. :roll:

This will continue unless you can find a different bank. Each bank is individual when it comes to what fees it charges.

suck it up and deal with it or move to another AVS. :P :lol:

If you can find a better one. :lol:

[Alejandro22]

I have a bank account, but not in $... that's the problem..
hehe.. I'm in Romania.. most people here don't even know what a bank is!

Thanks anyway.. :)

True, third world countries regulations. The best you can do, is go to an Exchange house in your country, they are always in the capital city. There you can change your check, also you dont need a bank account to get paid by AB, but its recommended for the big checks (wire). And even with your rumanian LEU bank account (No $) you should be able to receive payments in dollars and then your bank make the change from dollars to LEU's.
Good Luck.

[Alejandro22]

AB- Devil

oh my god adultbouncer announces that no fee for regular mail (check) , then why did your bank even charge me for a fee ? , i earn with the program of many companies around the world , i am never charged for free service (check) by their banks . :cry:

That is not true. Check in regular mail, has no fee.

[chaleemam]

AB- Devil

oh my god adultbouncer announces that no fee for regular mail (check) , then why did your bank even charge me for a fee ? , i earn with the program of many companies around the world , i am never charged for free service (check) by their banks . :cry:

That is not true. Check in regular mail, has no fee.

Alejandro22

As i ever earned with many companies , their agreements with the webmasters are no fee for being paid by check , and i was never charged by their banks although i will be an foreign webmaster , i will have only a fee for my bank to process it to get money transfered into my bank account .

you said that"That is not true. Check in regular mail, has no fee" what about that ? , let me know clearly about it please :?

[chaleemam]

AB- Devil

oh my god adultbouncer announces that no fee for regular mail (check) , then why did your bank even charge me for a fee ? , i earn with the program of many companies around the world , i am never charged for free service (check) by their banks . :cry:

He answered that already. :roll:

This will continue unless you can find a different bank. Each bank is individual when it comes to what fees it charges.

suck it up and deal with it or move to another AVS. :P :lol:

If you can find a better one. :lol:

babydred

what is the meaning of "no fee for regular mail " in your sense ? :)

[babydred]

No fee for regular mail...35 bucks for a wire transfer...you save 35 bucks by getting your money by mail, in check form...that's my meaning of "no fee for regular mail", you're not being charged if you get it by mail...in my sense. :wink:

If ya don't want to lose the 22 bucks, then pay 35 to have it wired...which would make NO sense at all. :roll:

[AB-Devil]

Indeed, we do not charge you for your paper checks. Paper checks meaning the actual physical piece of paper you receive from us. If your bank charges to cash it, that is your banks choice. We have nothing to do with that. If you would prefer to avoid that charge, you can have the check wired to your account. There is $35 fee for that, but you avoid the check-cashing fee, and the money gets there much faster. We can also FedEx you your check. That is also in a check form, so you would have to pay for your bank to cash it. Either way, we have never charged for mailing you the checks, and do not plan on doing that anytime in the future.

[chaleemam]

Indeed, we do not charge you for your paper checks. Paper checks meaning the actual physical piece of paper you receive from us. If your bank charges to cash it, that is your banks choice. We have nothing to do with that. If you would prefer to avoid that charge, you can have the check wired to your account. There is $35 fee for that, but you avoid the check-cashing fee, and the money gets there much faster. We can also FedEx you your check. That is also in a check form, so you would have to pay for your bank to cash it. Either way, we have never charged for mailing you the checks, and do not plan on doing that anytime in the future.

AB-Devil

exactly i must have to pay for my bank to cash it , and it is only $10 per a check , i don't worry about this at all.

the point i talked to you was why your bank even charged me another $22 for fee , actually it is free service of your company's policy
i think you should more clear it with your bank and be responsible for this ,you said "we have never charged for mailing you the checks" i believe , that is because the other companies i earn their programs
never charge me for mailing their checks as well .
i see your company's policy " no fee for regular mail " , i hope that it won't only be meant that " no fee for mailing the check " in your sense

that is really a stupid policy !

[AB-Devil]

OK, let me make this as clear as I can. What your bank charges you is their business. What our bank charges your bank to cash the check is also their business. If your bank wants to charge that, then as I said before, change banks. We are not going to change our bank simply because we have one webmaster whose bank charges him. I'm sorry man, it just doesn't work that way. So try to work with your bank. Or change banks. It is that simple. There was no need to say this is a stupid policy. This has nothing to do with Adultbouncer.

[Mikie1]

Well I just got a problem......my last check fro AB was just returned from the National Bank of Canada. I've never had a problem before with the checks. They want me to collect the funds from AB imediatley since I had already spent the money. What do I do?

[chaleemam]

OK, let me make this as clear as I can. What your bank charges you is their business. What our bank charges your bank to cash the check is also their business. If your bank wants to charge that, then as I said before, change banks. We are not going to change our bank simply because we have one webmaster whose bank charges him. I'm sorry man, it just doesn't work that way. So try to work with your bank. Or change banks. It is that simple. There was no need to say this is a stupid policy. This has nothing to do with Adultbouncer.


AB-Devil

let me ask you some question , are you sure that there was only me who was charged for foreign check by your bank ?

although i will change bank , that won't make me better , because all bank here won't be responsible for anything beyond their control such as invalid check , any fee charged by destination bank ,else , this is the agreement between bank and the customers in my country or maybe all banks around the world ,

i think actually the cause of this problem depends on how clear about the agreement between your company and your bank ,your bank won't have any authorities to process whatever beyond scope of your contract or agreement with him .

your agreement with the webmasters is no fee for regular mail , that means it really must not have any fee, although they will be foreign webmasters , anyway if your company won't be able to control your bank to not charge me , i think your company should show a spirit to be resposible for paying that fee instead of me , that will maintain your policy " no fee for regular mail " , i don't request your company to change bank for me !

would your company please do that for me ?

[Aussiemade]

G'day Chaleeman,

I too am a foriegn Webmaster and my Bank charges me a fee to cash ALL Foreign cheques, not just Adutbouncer. If your Bank makes an additional charge, which they say is between AB's Bank and your Bank, then I'd suggest you are being ripped off by your Bank.

[AB-Rob]

1) Very very few international people have tyhis problem and the only solution is to move to WIRE. We have no idea why but very minimal banks don't like Canadian banks? Not to sure. Our bank takes no fees from you, there are NO fees for regular checks. We can not control what your bank charges.

2) Mini I have sent you an email concerning this. Please reply to it, and we can not just "send" a bank money without deeper investigation. There is more than enough funds in the account to cover the check that was returned to you. Again its issues with very few international banks, best bet is to switch to wire.

[masteryoshidino]

yeah the banks double look at a check from a Canadian bank in USD. No biggie, but international banks will charge conversion fees to convert currencies.
ex. from USD -> pesos, euro dollar, yen, franc, pound, mark etc.
but devil's right, if you hate your bank find another one.

[chaleemam]

1) Very very few international people have tyhis problem and the only solution is to move to WIRE. We have no idea why but very minimal banks don't like Canadian banks? Not to sure. Our bank takes no fees from you, there are NO fees for regular checks. We can not control what your bank charges.

2) Mini I have sent you an email concerning this. Please reply to it, and we can not just "send" a bank money without deeper investigation. There is more than enough funds in the account to cover the check that was returned to you. Again its issues with very few international banks, best bet is to switch to wire.


AB-Devil said What our bank charges your bank to cash the check is also their business

AB-Rob said Our bank takes no fees from you, there are NO fees for regular checks.


i feel so confused by all words above. :roll:

AB-Rob

If you are sure that your bank (national bank of canada ) didn't charge me for any fee on check no.005235 .

please contact your bank and send me some information to confirm about this at customer4713@hotmail.com

i really want to know what the truth is about this , that is because my bank gave me some documents to confirm that i was charged for $22 by national bank of canada .


regards

[chaleemam]

yeah the banks double look at a check from a Canadian bank in USD. No biggie, but international banks will charge conversion fees to convert currencies.
ex. from USD -> pesos, euro dollar, yen, franc, pound, mark etc.
but devil's right, if you hate your bank find another one.


I never found this problem with US banks at all , can anybody explain me more clearly of what about this ? :roll:

[Neo Beta]

Wicked.

[chaleemam]

AB- Devil , AB-Rob


Oh my god ! i was still charged for any other fee than standard fee ($10) on my second check ,

it looks like bigger check , more fee ! :shock:


Now , the important thing i really want to know is it was unavoidable fee that ab's bank charged my bank for their business as AB-devil said
or ab's bank didn't charge my bank for any fee as AB-Rob said , that was just charged by my bank for additional conversion fee
or any fee else.

AB confirms me again please , i need know clearly about this before i will contact my bank next time .


wicked , almost no money for me in each check !


any opinion or suggestion may be appreciated


chaleemam

[AB-Devil]

Well, I have tried to explain this to you. And for some reason, you just are not getting it.

1- The bank you are with is charging you to convert to whatever currency is my guess. But again, this is not our banks fault. In many cases, a bank will try to defer the costs to the senders banks. This is where i was telling you about our bank will not pay the charges.

2- The simplest solution is to GET AN ACCOUNT WITH ANOTHER BANK. I do not understand why you have not done this. You are obviously rather disgruntled. I have tried to explain to you about what our bank does. And the only way for you to nullify this situation is if you change banks. So instead of coming in here and beating this into the ground, take the time to go open an account with another bank. That will solve all your issues.

[chaleemam]

Well, I have tried to explain this to you. And for some reason, you just are not getting it.

1- The bank you are with is charging you to convert to whatever currency is my guess. But again, this is not our banks fault. In many cases, a bank will try to defer the costs to the senders banks. This is where i was telling you about our bank will not pay the charges.

2- The simplest solution is to GET AN ACCOUNT WITH ANOTHER BANK. I do not understand why you have not done this. You are obviously rather disgruntled. I have tried to explain to you about what our bank does. And the only way for you to nullify this situation is if you change banks. So instead of coming in here and beating this into the ground, take the time to go open an account with another bank. That will solve all your issues.


umm , i have twice contacted with my bank to know clearly about this , my bank told me that he wasn't able to immediately cash the check with national bank of canada , it needs go to bank of nova scotia ( all offices in canada ) first to deposit him the check for cashing . , every bank is the same system to do this , thence i was charged for $22 fee by bank of nova scotia .

i don't know how true or false about this , if true , changing bank won't make me better certainly .


any idea or suggestion may be appreciated

[Movie Guy]

Dude, I think the adultbouncer guys are tired of answering your questions and for good reason. I'll try to help you.

Please answer the following:
1. what country are you from?

2. which bank do you use?


I will explain this as simply as i can:
1. adultbouncer says, "no fee" which means "no fee". They will not subtract money from your earnings to pay for your cheque. Many other adult companies charge their webmasters "cheque fees", but adultbouncer doesn't. If adultbouncer truly charges you a fee, wouldn't it be easier for them just to subtract it from your total amount before mailing you the cheque? This leads to explanation number 2

2. "no fee" means adultbouncer will not charge you anything for the cheque. Neither will their bank. It is your bank who is charging you the fee. You might have misunderstood them when they told you the national bank of canada charged you the fee. They probably meant, "cashing a cheque from the national bank of canada costs a small fee". This means that YOUR BANK is charging you that fee. Please consult with your bank to clarify why they are charging you the $22 fee.

3. no, it is not the same banking procedures at every kind of bank. You should try a different bank. Some banks are on better international terms.

4. why are you immediately cashing your cheque? Can't you just deposit the cheque in your bank account? In MANY banks, cashing a cheque immediately will cost a small fee that is usually a percentage of the amount. For example, a bank here in my country charges 4% for cashing a cheque. My cheque is $500. At 4%, that means MY BANK charges me $20 to cash it. You see. Bigger cheque, more fee! Deposits don't cost any fee.

5. If what your bank told you about Bank of Nova Scotia charging you $22 is true, that means it is not adultbouncer's bank that is charging you. It is the YOUR BANK that is charging you. Here's an explanation: Your bank needs to cash your cheque. Since it is from Canada, they might not be able to process this transaction so they must use a Canadian bank in your country to complete this process. They charge YOUR BANK for this service and then YOUR BANK charges you. Maybe you should go with another bank. Other banks might be friendly with Bank of Nova Scotia and charge no fee.

Here is an example: Your drive Japanese car. If Japanese car has problem, you take it to BMW dealership. BMW not Japanese. They don't know how to fix. They send car to Japanese dealer. Japanese dealer charge $200 to BMW to fix. BMW returns car to you and charges you $200 for the repairs. Understand?

6. Bank of Nova Scotia is not National Bank of Canada

7. If you don't understand this, talk to someone in your native language that does and educate yourself on your own country's banking procedures.

8. AB BANK NOT CHARGING YOU FEE!!!!!!!!!!! YOUR BANK CHARGING YOU FEE TO PROCESS CHEQUE!!!!!!!!!!!!!!1

I've explained this as clearly as i can, which is not that much clearer then what Rob and Devil already said. If you can't understand this, we're sorry, but we can't help you any further without solving this language barrier.

[Aussiemade]

Here is an example: Your drive Japanese car. If Japanese car has problem, you take it to BMW dealership. BMW not Japanese. They don't know how to fix. They send car to Japanese dealer. Japanese dealer charge $200 to BMW to fix. BMW returns car to you and charges you $200 for the repairs. Understand?

Very well said. I've been watching this thread, with a touch of amusement, and must congratulate the AB Guys for keeping their cool! :wink:

I'm not trying to pour cold water on your example, but here in Aus the BMW Dealer would get charged $200 from the Japanese Dealer, but probably wack on a percentage and charge $300!

That's probably what His Bank's doing too.

[chaleemam]

Movie Guy

sorry man , maybe i may have made some mistakes in english for you .

what i said i mean that

umm , i have twice contacted with my bank to know clearly about this , my bank told me that he wasn't able to immediately cash the check with national bank of canada , he needs deposit bank of nova scotia ( all offices in canada ) my check for cashing . ,

every bank in my country is the same system to do this , thence i was charged for $22 fee by bank of nova scotia .
i don't know how true or false about this , if true , changing bank won't make me better certainly .


now i know ab's bank didn't charge me any fee , i was charged by bank of nova scotia , and whatever fee that bank of nova scotia charged my bank , that means i must be responsible for that fee myself , this is the agreement between all banks in my country and the customers , i think maybe all banks in the world may be the same way with their customers for this service .

umm ,, all banks in my country will charge me for only $10 / a check fee to cash it ,

i think no bank likes to lose ($22-$10= $12/a check ) to be responsible for this fee to do this service .
unless they won't be charged by bank of nova scotia

however ,, i will try to cash the check with new bank as you recommenced

ab , let me show my opinion ,, i think actually there mayn't be any transaction fee related in your system ( i mean being paid by check ) , that is not free service absolutely . but if adultbouncer team isn't able to control this , never mind !
oh man ! sorry , i can't let you know about my bank and my country in public ! , thanks for your suggestion !


is it possible to immediately cash the check with national bank of canada ? , that will make me no fee. ($22)


any more opinion and suggestion may be appreciated.

[Movie Guy]

You can try cashing with National Bank but there still might be a "cashing fee".

Why can't you give out your country at least? That could explain a lot.

Okay, let me get this straight. You wish there were no fees at all in this entire process correct? Unfortunately, that is not how the world operates. And to re-iterate: ADULTBOUNCER IS NOT CAUSING YOU THIS FEE.

Your bank is charging you for a service. Adultbouncer did not know this they would charge you. They are not responsible for the fee charged to you. YOUR BANK is responsible for the fee charged so why are you blaming adultbouncer?

Did you read my previous post at all?

Adultbouncer cheque service is FREE. Any charges to you is by your bank and the services YOU choose to use. It is not their responsibility. Like I said in my previous post, I get cheque from adultbouncer and deposit it in my bank account. NO FEE. If I take it to the bank and immediately cash it, BIG FEE. See the difference? If you don't immediately cash it and just deposit it, NO FEE. You are choosing a higher level of service so the bank charges you a fee.

YOUR BANKS ARE CHARGING YOU A CASHING FEE. This differs from bank to bank and country to country. US banks may have better relations with your bank so they only charge $10. Maybe not good relations with Canadian bank so they charge $22. You just said when you cash cheques from other companies, you are charged $10. So you realize it is your bank that is charging you $10, not the companies. So now you expect the comanies to pay this fee for you? Why? You must grow up and learn how business is done in this world. Are you a young boy? You don't sound like it so don't act like one.

I will give you one more example:
you get a coupon from your friend for a free sandwich, medium potato fries and medium coke from McDonald's. remember, this is all FREE. No charge! When you go to McDonald's, you decide to have one sandwich LARGE potato fries and LARGE coke. McDonald's charges you an extra $1.

Who is responsible for this $1 charge? Your friend or you? Your friend only gave you coupon for MEDIUM fries and MEDIUM coke. You decided to get LARGE. But you say your friend is a liar because he said it was FREE and McDonald's charged you $1.

Was this your friend's fault? No.

This is exactly what is happening between you and adultbouncer. If you still can't understand this, then no one can help you.

[chaleemam]

Did you read my previous post at all?

Adultbouncer cheque service is FREE. Any charges to you is by your bank and the services YOU choose to use. It is not their responsibility. Like I said in my previous post, I get cheque from adultbouncer and deposit it in my bank account. NO FEE. If I take it to the bank and immediately cash it, BIG FEE. See the difference? If you don't immediately cash it and just deposit it, NO FEE. You are choosing a higher level of service so the bank charges you a fee.

umm ! i myself have my bank account , and i won't be able to cash any checks without bank account here , i deposit the check in my bank account as you do , but that is a foreign check , so my bank charges me $10 fee as bank's rule , i am not worried about this at all .

In the past , i felt uncomfortable when my bank's some personel told me something not clear that i was charged for $22 by ab' bank ,
i was so confused , why i was charged , it is ab's free service , i had to lose $32 to cash a check , it is as expensive as wire fee .
but now i know what the truth is , i was charged by bank of nova scotia , not ab's bank , ab , i am sorry about this .

i asked an expert personel in my bank why not to directly cash my check with national bank of canada to avoid this fee ($22) , he said bank wasn't able to do that , every bank needs go to bank of nova scotia (all offices in canada) to deposit the check for cashing ,that is system in canada .expert personel said .,, furthermore no canadian bank in our country , he wasn't able to transfer any costs to his bank , so he wasn't able to avoid this fee for me ,

i don't know how true of false about this .

now i am not being serious of that ab is causing me this fee ($22) or not , i have had some solution for this problem , that is to set the minimum of payment to higher amount to make me less loss . or another way is to move to wire , but if there are any ways to avoid this fee ($22) , that will be very good !

sorry ! man i think your example isn't suitable to compare to my case .


any more opinion and suggestion may be appreciated.

[darnpj]

WOW ,
I really dont wana get involved but i only have one question for you Chaleemam? Are you trying to cash your check for your countries legal tender whatever it is i;e the euro, deutchmark, whatever, or are you trying to get dollars or even BPS. Just a question and you dont have to answer if you dont want to, but it may play a role if you are trying to get dollars or british pounds sterling.
I must say i have been on this board since the very beginning and you guys that have tried to help this webbis have shown more patience and have tried really hard to help! I think ALL of you should be applauded! :shock: Luck To Us All,

[AB-Devil]

Thanks for all the kind words guys, much appreciated.

Chaleemam - We have done our best to help you. Part of me is wondering if you are trying to run a small scam with this. But that is not the issue here. I have tried to explain to you about changing banks. And for some reason, you seem unwilling to try that. So from now on, just deal with the charges. There is nothing more we can do for you. The ball is in your court.