Getting paid salary by cheque

Sleeper12

seamus wrote:

My wife runs a small business and some people still pay with cheques, and it seems crazy to me. Why would you have cheques if virtually nowhere takes them?

I get a lot of cheques in my shower repair and installation business. The average spend is around 300. I remember decades ago people writing cheques in petrol stations, spar shops, supermarkets etc. Apart from the expenses of the cheque it was time consuming for such small purchases.

meeeeh

Khreesat wrote: »

You not only violate EU law you are member of, but that person whom you told to get irish account is entitled to get huge compensation from the company if he sues it with legal action on the ground of discrimination (I hope he does). Payroll issues are your problem not the payee, get it upgraded by your IT provider or you will be sued.

Or just pay people with revolout account by chq and then they can lodge it into their own account whatever way they want.

Also if a new employee threatens you with a lawsuit straight away it doesn't bode well for their future in the company.

Khreesat

meeeeh wrote: »

Also if a new employee threatens you with a lawsuit straight away it doesn't bode well for their future in the company.

It is also illegal to fire or bully someone because of this, fines are even heftier. Gross offence. Slavery days are over.

Sleeper12

L1011 wrote:

Are you not using a business account as you're self employed.

I can draw down instantly on cheques on my business and personal BOI accounts. My wife has the same benefits in her personal account

Don't let anyone tell you that rules are rules and it's the same for everyone. Everything in banks is negotiable, including fees and interest rates.

kenmm

Sleeper12 wrote: »

I get a lot of cheques in my shower repair and installation business. The average spend is around 300. I remember decades ago people writing cheques in petrol stations, spar shops, supermarkets etc. Apart from the expenses of the cheque it was time consuming for such small purchases.

A cheque book and a £100 guarantee card was survival for me in the late 90s' - Effectively a precursor to payday loans

L1011

Sleeper12 wrote: »

I can draw down instantly on cheques on my business and personal BOI accounts. My wife has the same benefits in her personal account

Don't let anyone tell you that rules are rules and it's the same for everyone. Everything in banks is negotiable, including fees and interest rates.

Its not something I'd ever see the need to negotiate nor would 99.99% of other people as most people don't ever handle them.

A normal person with a normal account cannot draw from a cheque for some days. Whatever you have negotiated is not relevant to a normal person with a normal account.

pinkypinky

I think it's clear that nothing is cut and dried about cheques from the posts on this thread.

I lodged a BOI cheque in AIB last Friday - in their automated machine at lunch time. It didn't hit my account at all until Monday. Funds appeared to be available but to truly test this, you'd have to have less in your account than the cheque figure. I presume that otherwise, they're just accessing other funds.

dotsman

Khreesat wrote: »

My sympathies to irish online banking skills. In country I come from, online banking is superior to irish, it you asked them about cheques they would laugh at you and said "We are not in 90s anymore !" I don't know any of the bank in Poland to accept cheques.
20 EUR for transaction? Change a bank man. I still have polish bank account here and it costs me nothing, plus I have 365/24 customer service online chat/phone , not this joke 9 to 5 irish helpline. they make millions of euro out of you from interest rates by handling people money and they still ask you to pay 20 euro for transaction? ROTFL>

While I am happy to criticise banks where they deserve it, for this particular issue, the blame certainly lies with with certain customers. At the start of the millennium, cheques were going to be withdrawn in 2012. But certain (often older) people are reluctant to change. As can be seen from this thread, a lot of people still use cheques despite not needing them, and a lot of people don't switch banks. As a result, there is no reward for a bank to modernise, therefore they don't bother.

meeeeh wrote: »

Also if a new employee threatens you with a lawsuit straight away it doesn't bode well for their future in the company.

If a company treats its staff with such contempt, it does not bode well for the company and is the perfect warning flag for the employee to get the hell out of Dodge City.

meeeeh

Khreesat wrote: »

It is also illegal to fire or bully someone because of this, fines are even heftier. Gross offence. Slavery days are over.

Unless you are one of the protected groups you can be let go without a reason in first year. So better make sure you get pregnant straight away.

You wouldn't be one of those who supplement their income with spurious lawsuits?

Sleeper12

L1011 wrote: »

Its not something I'd ever see the need to negotiate nor would 99.99% of other people as most people don't ever handle them.

L1011 wrote: »

OP is part of the 1% & I was advising him/her on the possibility of being able to draw down instantly on a cheque

L1011 wrote: »

A normal person with a normal account cannot draw from a cheque for some days. Whatever you have negotiated is not relevant to a normal person with a normal account.

L1011 wrote: »

I never said that they could. I was suggesting to OP that they don't have to wait for the cheque to clear. They can negotiate with their bank in the same way they can negotiate for lower than offered interest rates. Here's one that I believe even normal people can do: Lodge the cheque into your credit card account & have instant access. Another option is to bank in the same branch as the employer. Cheque doesn't have to clear in the same branch. There are lots of ways of getting instant cash from a cheque. Most local pubs will cash cheques. The downside with this is the pub staff will know what you earn

L1011

Most pubs haven't cashed cheques since the crash and aren't going to restart

Sleeper12

L1011 wrote:

Most pubs haven't cashed cheques since the crash and aren't going to restart

I disagree on this point. Most "local" pubs never stopped cashing cheques. I'm in Dublin 5. Donaghmede Inn, Madigans, Foxhound, Cedars, Raheny Inn & Watermill all cash cheques. The Manhattan might but I don't know for sure one way or the other. I don't believe that my part of suburban Dublin is any different to the rest of suburban Dublin. Obviously they won't cash cheques for strangers but if you are a regular they'll cash cheques.

Mrs OBumble

Sleeper12 wrote: »

I disagree on this point. Most "local" pubs never stopped cashing cheques. I'm in Dublin 5. Donaghmede Inn, Madigans, Foxhound, Cedars, Raheny Inn & Watermill all cash cheques. The Manhattan might but I don't know for sure one way or the other. I don't believe that my part of suburban Dublin is any different to the rest of suburban Dublin. Obviously they won't cash cheques for strangers but if you are a regular they'll cash cheques.

Similar in Galway - but only to people who are known and trusted, for cheques from reliably looking sources.

fritzelly

dennyk wrote: »

Congrats, your company is in violation of SEPA regulations, specifically Article 9.1 of EU Regulation 260/2012:

I was working for a company not so long ago and they wouldn't accept N26 for transferring my wages into
There is a thread on boards about all the companies that don't accept non Irish banks for transfers - such antiquated systems they use that they cannot recognise IBAN's without IE in them

Good few years ago used to be paid by cheque but went in to (I think it was UB) and could take the cash out there and then and boss gave us 20 mins or so to go down and cash it

Times are changing and would be thinking weird to be getting paid by cheque these days.

Khreesat

Sleeper12 wrote: »

Obviously they won't cash cheques for strangers but if you are a regular they'll cash cheques.

Obviously that's simply another discrimination, it that happened to me I would sue.
If you accept cheques either you accept them unconditionally from every customer, or from nobody.
How would you feel if you went to shop and seller told you' sorry mister, you are stranger, we don't accept cash from you' ???
And as a hypothetical pub bartender how you are going to verify if cheque someone gives you is legit and not forged?
Reminds me of stories like "card payment only from 10euros" which is null and void as merchant agreement with card terminal providers prohibits those clauses.

dotsman wrote: »

While I am happy to criticise banks where they deserve it, for this particular issue, the blame certainly lies with with certain customers. At the start of the millennium, cheques were going to be withdrawn in 2012. But certain (often older) people are reluctant to change. As can be seen from this thread, a lot of people still use cheques despite not needing them, and a lot of people don't switch banks. As a result, there is no reward for a bank to modernise, therefore they don't bother.

The reward is to cut operating costs which cheques handling and support generate for the banks. But this require mangers with plan and vision, which this country is famous for lack of, that's why online banking has been a shyte here for quite long, only recently it is somehow improving.

Sleeper12

Khreesat wrote: »

Obviously that's simply another discrimination, it that happened to me I would sue.
If you accept cheques either you accept them unconditionally from every customer, or from nobody.
How would you feel if you went to shop and seller told you' sorry mister, you are stranger, we don't accept cash from you' ???
And as a hypothetical pub bartender how you are going to verify if cheque someone gives you is legit and not forged?
Reminds me of stories like "card payment only from 10euros" which is null and void as merchant agreement with card terminal providers prohibits those clauses.



The reward is to cut operating costs which cheques handling and support generate for the banks. But this require mangers with plan and vision, which this country is famous for lack of, that's why online banking has been a shyte here for quite long, only recently it is somehow improving.

You would lose you court case. A business can accept cheques or cards for that matter from you yet demand cash from me. These forms of payments are totally at the discretion of the business owner. I read post earlier about cheques not being "Legal Tender" anymore. This is true BUT they never were in the first place. News flash "Cards" aren't legal tender either. Only cash is legal tender.


I don't get it. I am possibly the only poster to offer OP real help. I have listed several ways that OP can draw down on his/her cheque almost immediately & yet posters offering OP no helpful advise are trying to pick apart my suggestions. By the standards of the posts trying to pick apart genuine points I can only assume that they have never used cheques,



OP can negotiate with his bank to allow him to draw down on the cheque the day its lodged. Cheque can be lodged 24 hourd a day in the pass machine.



OP can move their account to the employers branch.



OP can lodge the cheque into their credit card account & get instant access. Although they may not be able to draw on the cheque it does stand as balance in the credit card account. OP can spend the credit limit as the cheque balance will cover this in a few days.



OP can cash the cheque in their local pub just like the 1000s upon 1000s of cheques cashed in pubs every week in pubs throughout Ireland

Khreesat

Sleeper12 wrote: »

You would lose you court case. A business can accept cheques or cards for that matter from you yet demand cash from me. These forms of payments are totally at the discretion of the business owner.

No I wouldn't. You don't get it mister. You can't say you don't accept from strangers and you accept from others. This is discriminatory.
Either you accept from everyone or you don't at all. And you will have hard time explaining before the court why you accepted cheque from "non-stranger" and declined from "stranger". Your personal feelings don't hold up as valid reason, you treat all in the same way or you go down with the business, burned on social media.

Selection of types of payment is not questioned. Treating different groups differently basing on prejudice is.

Sleeper12

Khreesat wrote: »

No I wouldn't. You don't get it mister. You can't say you don't accept from strangers and you accept from others. This is discriminatory.
Either you accept from everyone or you don't at all. And you will have hard time explaining before the court why you accepted cheque from "non-stranger" and declined from "stranger". Your personal feelings don't hold up as valid reason, you treat all in the same way or you go down with the business, burned on social media.

Selection of types of payment is not questioned. Treating different groups differently basing on prejudice is.

You are talking nonsense. I have been in retail all my life. I've had businesses from hair salons to limo hire companies. It is perfectly legal to take cheques off one person & not another. It's perfectly legal to take a card payment off one person & not another. Do you understand that they aren't legal tender? There no law forcing you to accept them. By your train of thought if I offer 30 days credit to one person then I have to offer it to everyone. I accept card payments but refuse to accept company cards.



Please remember one of the most important things when dealing with any business, "The management reserves the right to refuse". It is our legal right to decide who we serve, credit terms & method of payment. We can pick & choose who gets what & who pays with what. The management reserves the right to refuse.

seamus

Khreesat wrote: »

No I wouldn't. You don't get it mister. You can't say you don't accept from strangers and you accept from others. This is discriminatory.

Selection of types of payment is not questioned. Treating different groups differently basing on prejudice is.

You've made a very big leap there to be fair.

"Strangers" aren't a protected group under legislation. A business is perfectly entitled to selectively extend credit to certain customers. Practically all businesses do it. Some do it formally, some do it informally.

A pub is perfectly entitled to accept a cheque, IOU, spit-handshake or any other form of promise from one person because they're known to the business, and insist on a cash payment from another person who is not.

It's entirely legal. The only time it's not, is if you can prove that credit was denied because you're a member of a protected group.

Strumms

Sleeper12 wrote: »

You would lose you court case. A business can accept cheques or cards for that matter from you yet demand cash from me. These forms of payments are totally at the discretion of the business owner. I read post earlier about cheques not being "Legal Tender" anymore. This is true BUT they never were in the first place. News flash "Cards" aren't legal tender either. Only cash is legal tender.


I don't get it. I am possibly the only poster to offer OP real help. I have listed several ways that OP can draw down on his/her cheque almost immediately & yet posters offering OP no helpful advise are trying to pick apart my suggestions. By the standards of the posts trying to pick apart genuine points I can only assume that they have never used cheques,



OP can negotiate with his bank to allow him to draw down on the cheque the day its lodged. Cheque can be lodged 24 hourd a day in the pass machine.



OP can move their account to the employers branch.



OP can lodge the cheque into their credit card account & get instant access. Although they may not be able to draw on the cheque it does stand as balance in the credit card account. OP can spend the credit limit as the cheque balance will cover this in a few days.



OP can cash the cheque in their local pub just like the 1000s upon 1000s of cheques cashed in pubs every week in pubs throughout Ireland

So, because the employer of the OP is a backwards, uncaring, stuck in 1986 twat, the OP must be going to varying thinking outside the box lengths to access their cash ? Unsat, the most work an employee should need to have to do is remembering their PIN number to access it, end of ! Going around to pubs to ask about cashing... rubbish, the money was hard earned, its should be easily accessible... no negotiation, there IN their account with ZERO legwork necessary to be able to gain access to it...

Sleeper12

Strumms wrote: »

So, because the employer of the OP is a backwards, uncaring, stuck in 1986 twat, the OP must be going to varying thinking outside the box lengths to access their cash ? Unsat, the most work an employee should need to have to do is remembering their PIN number to access it, end of ! Going around to pubs to ask about cashing... rubbish, the money was hard earned, its should be easily accessible... no negotiation, there IN their account with ZERO legwork necessary to be able to gain access to it...

The law disagrees with you. Paying by cheque is perfectly legal. The time for OP to object was before he/she started work. It's difficult to alter the work contract after you start work.


What if OP doesn't have a bank account. Employer wont pay in cash. Poor Op has to jump through hoops & open a bank account!!! Oh my gosh!! Shock horror!!!


I don't get the younger generation. Everything has to be handed to them on a plate. Ringing your branch is way, way too much trouble to ask for instant cheque clearance from this one account each week!!! Lodging a cheque in a pass machine into a credit card account is too much trouble too??? Opening an account in your employers branch is too much trouble???



I often wonder what these people say to their employer when their mammy comes in to wipe their bum if they happen to have a bowl movement while in work. If you can't figure out how to process a cheque or if it's too much work for you then I'd hate to see you get a mortgage & buy a house. There are hoops you will have to jump through. You will need utilities turned on contracts signed. Your bank wont go to your home when you apply for a mortgage. Your solicitor wont go to your home. Sometimes in life we have to put a tiny bit of effort in to get a good result.



You think a cheque is difficult? Try cancel your Sky contract. You'll see what difficult really is!

AlmightyCushion

Sleeper12 wrote: »

The law disagrees with you. Paying by cheque is perfectly legal. The time for OP to object was before he/she started work. It's difficult to alter the work contract after you start work.


What if OP doesn't have a bank account. Employer wont pay in cash. Poor Op has to jump through hoops & open a bank account!!! Oh my gosh!! Shock horror!!!


I don't get the younger generation. Everything has to be handed to them on a plate. Ringing your branch is way, way too much trouble to ask for instant cheque clearance from this one account each week!!! Lodging a cheque in a pass machine into a credit card account is too much trouble too??? Opening an account in your employers branch is too much trouble???



I often wonder what these people say to their employer when their mammy comes in to wipe their bum if they happen to have a bowl movement while in work. If you can't figure out how to process a cheque or if it's too much work for you then I'd hate to see you get a mortgage & buy a house. There are hoops you will have to jump through. You will need utilities turned on contracts signed. Your bank wont go to your home when you apply for a mortgage. Your solicitor wont go to your home. Sometimes in life we have to put a tiny bit of effort in to get a good result.



You think a cheque is difficult? Try cancel your Sky contract. You'll see what difficult really is!

Opening an account in your current employer's branch could cost you a small fortune in fees (have you seen Ulster Bank's fees?). My current bank charges a fee for lodging cheques but everything else is free. If you get paid by cheque in a lot of cases you will have to go in to the bank to lodge it (don't know about other banks but PTSB cheque lodgement ATMs were located inside the branch). Unfortunately most banks are only open when I am at work. The last time I was in a bank was when I was closing an old account I no longer used. The time before that was to open the account I am currently using. Why would I want to waste my time doing it more often.

It has nothing to do with being a precious little snowflake that needs mammy to wipe their arse. Why would I go through the cost and hassle of being paid by cheque when the vast majority of other employers pay by bank transfer?

Strumms

Sleeper12 wrote: »

The law disagrees with you. Paying by cheque is perfectly legal. The time for OP to object was before he/she started work. It's difficult to alter the work contract after you start work.


What if OP doesn't have a bank account. Employer wont pay in cash. Poor Op has to jump through hoops & open a bank account!!! Oh my gosh!! Shock horror!!!


I don't get the younger generation. Everything has to be handed to them on a plate. Ringing your branch is way, way too much trouble to ask for instant cheque clearance from this one account each week!!! Lodging a cheque in a pass machine into a credit card account is too much trouble too??? Opening an account in your employers branch is too much trouble???



I often wonder what these people say to their employer when their mammy comes in to wipe their bum if they happen to have a bowl movement while in work. If you can't figure out how to process a cheque or if it's too much work for you then I'd hate to see you get a mortgage & buy a house. There are hoops you will have to jump through. You will need utilities turned on contracts signed. Your bank wont go to your home when you apply for a mortgage. Your solicitor wont go to your home. Sometimes in life we have to put a tiny bit of effort in to get a good result.



You think a cheque is difficult? Try cancel your Sky contract. You'll see what difficult really is!

I’m not interested in the law, because they legally CAN doesn’t mean they should.

Handed to them on a plate ? No, just transferred into a bank account thanks. It’s easy for 99.99% of employers in fact.

Opening a new bank account to when you have a perfectly good one IS too much trouble.

Tiny effort for a result ? Sure,, down to the ATM, 24/7, card in, pin in, cash accessible at the point of payment without effort or time being wasted, welcome to 2020.

Sleeper12

AlmightyCushion wrote:

It has nothing to do with being a precious little snowflake that needs mammy to wipe their arse. Why would I go through the cost and hassle of being paid by cheque when the vast majority of other employers pay by bank transfer?

Because you didn't negotiate this with your employer and its now not in your contract. Of course with zero personal responsibility its all your employers fault. OP has the option to go to a more forward thinking employer. OP has plenty of options here. The sky isn't exactly falling here

meeeeh

AlmightyCushion wrote: »

It has nothing to do with being a precious little snowflake that needs mammy to wipe their arse. Why would I go through the cost and hassle of being paid by cheque when the vast majority of other employers pay by bank transfer?

In the end is the balance between how badly they want you to work there and how badly you want to work there. All the other grandstanding is completely irrelevant.

Sleeper12

meeeeh wrote:

In the end is the balance between how badly they want you to work there and how badly you want to work there. All the other grandstanding is completely irrelevant.

Well said.

AlmightyCushion

Sleeper12 wrote: »

Because you didn't negotiate this with your employer and its now not in your contract. Of course with zero personal responsibility its all your employers fault. OP has the option to go to a more forward thinking employer. OP has plenty of options here. The sky isn't exactly falling here

I didn't have to negotiate anything with my employer, they pay by bank transfer like the majority of employers. I'm not even sure if it says it in my contract.

meeeeh

AlmightyCushion wrote: »

I didn't have to negotiate anything with my employer, they pay by bank transfer like the majority of employers. I'm not even sure if it says it in my contract.

Which puts you in very easy position to say that you would quit/sue/confront or whatever mad ideas people have op should do.

Personally I would wait a while and then see how business operates and then suggest changes. Especially if you work somewhere in administration.

As for internet banks, I'm actually thinking of opening the account with one of them but personally I would use them as a second bank (that is how they position themselves as).

Sleeper12

AlmightyCushion wrote:

I didn't have to negotiate anything with my employer, they pay by bank transfer like the majority of employers. I'm not even sure if it says it in my contract.

My point is that it was ops responsibility to ensure that the terms of his employment were satisfactory before joining the company. OP still has the option to leave the company. OP has the option to lodge his cheque into his credit card account. OP has the option to ring his bank and arrange instant cheque clearance or an overdraft to the amount of his wages.

I don't see any of ops options to be a major hassle. All of the options will be less hassle & less time consuming than trying to cancel a sky package

AlmightyCushion

meeeeh wrote: »

Which puts you in very easy position to say that you would quit/sue/confront or whatever mad ideas people have op should do.

Personally I would wait a while and then see how business operates and then suggest changes. Especially if you work somewhere in administration.

As for internet banks, I'm actually thinking of opening the account with one of them but personally I would use them as a second bank (that is how they position themselves as).

I wouldn't do any of that. I'd ask if they could pay by bank transfer. If they couldn't then I'd start looking for a new job. Getting paid by cheque is extra hassle and I think it's quite archaic these days. I would wonder what else the company does that is quite archaic. What good reason do they have to pay by cheque. If it's for cashflow reasons then that would be a huge worry that the company is in a difficult financial position. If it's because that's the way they always done it and they are reluctant to change. Then they will probably be reluctant to change in other ways which is also not desirable in an employer. What happens if the cheque bounces and I have to chase them down.

My Dad has his own company and he is pretty damn old school when it comes to technology. Even he pays his employees by bank transfer. I've also heard of the hassle he has had with some of his customers who pay with cheque. He never seems to have an issue with the ones that pay by bank transfer but the ones that pay by cheque tend to get lost in the post quite a bit or get delayed or the wrong value gets 'accidentally' put on the cheque.