Buyer wants to have a check sent from his bank . Sounds like a genuine guy but red flags warning !!

He said I can let my bank verify it before I Mail the bow , I guess no harm in that.

Anyone experienced with this?

I have used bank check before.

I dont have checks but can send one directly from my bank to whoever, and i expect others can do the same.

If youve made the phone calls and talked to the guy, this seems completely reasonable from my end. Especially if he is ok with it clearing first.

Talk to your bank and see what they say the potential pitfalls are.

Been there, done that, got screwed.

Unless I know ya - I'll never do it again.

Rick

phone call first!

Somehow you can verify if a check is good and the bank says "yes," but the check becomes no good before the cashing (for the bank) is final and then they pull the money from you.

It's like the funds are there when checked, but a bigger check and, or withdrawal hits before your check hits and the money is no longer there.

If they can do a bank check they can go to the PO and get a money order.

Why not just use Pay-Pal. Easy to do I've never had a problem

Bob

I would not do it unless it was someone I actually knew (not just a phone call) and trusted.

Rick did you cash check before mailing bow ?

I like USPS money orders. People say they can make counterfeits, but with the water mark on it and the metallic thread weaved in the through the paper, it would be tough to do.

Just take it to the Post Office and cash it before sending the bow. Sometimes if it is a big amount, you might have to wait until the PO has enough funds on hand to cash it.

CHAZ, As others have said? Check with YOUR BANK . To misquote Prez Reagan? VERIFY then TRUST!

If you take the check to your bank and cash it, they will give you the money. If there are insufficient funds when your bank presents it to his bank, then you will be liable.

[[[ "Rick did you cash check before mailing bow ?" ]]]

No. I checked to see if the check was good, then cashed it when they said it was, and mailed the bow.

I notified the recipient of the bow being headed his way.

Not long afterward my bank withdrew that amount plus some other fees due to the recipient's insufficient funds.

Dan covered how it happened in his above statement.

I had the shipping address though. "wink emoji here"

A 9 hour drive, an over nighter motel cost, and I got the bow back.

Was only out some gas money, and the motel cost, which was nowhere near the price of the almost brand new BW PMA.

Rick

I prefer Bank issued cashiers checks especially for big purchases they can be verified with a phone call.Actually I prefer cash but that doesnt work in the mail!

I can think of a couple things I would prefer to seeing Angry Rick on my porch looking for his bow to be returned….. (“hmmmmm…..” emoji here!)

I recently just did a 'send item after check clears' translation for the first time and it went well. I would usually say don't do it but as long as buyer understand/agree to you not sending the item until money clear. I see nothing wrong with that.

You can send money directly via Zelle too for most banks, but I agree that everyone should get caught up with technology.

But again, I don't see a reason not to do the deal if its agreed upon that item will not be shipped until money is clear.

You da man Rick !!

Paypal

Rick did that guy poop his pants when you showed up?

I received a bank check from a major Canadian bank for around $200,000…the check had a security chip imbedded and looked good. I deposited the check in my bank and they immediately checked with the Canadian getting a confirmation of a good check and sufficient funds. The bank said it would clear in 5 business days, and it did. About 2 weeks later my bank called and wanted the $200,000 back…it turns out the check was real and there were funds in the account, but it was a stolen check. I only accept a TT direct transfer, all you need is a bank name and account if its a domestic transaction, if its international you would also need a SWIFT code for your bank. Its very easy to do and the funds are in your account immediately and cannot be taken back.

If it's a bank check, it's guaranteed funds, or you can ask him to make sure the bank check is a certified bank check. All bank checks (as opposed to personal checks) are immediately deducted from the payor's account, and the funds no longer belong to the payor but belong to the bank. So those funds and the check are guaranteed. The only way the check will not be good is if the original payor claims, under penalty of perjury, that the check is lost or stolen. But then, if you are the original payee, you are the holder in due course and have the right of recourse (payment) under the uniform commercial code to demand payment from the bank of deposit (your bank) who will demand payment from the payor's bank. However, you need to be able to determine the check is a true check and not a forgery. Some banks, but not all, allow you to call to verify the check before you deposit it. You can also verify the payor bank's name and routing number online through various routing number verification sites.

Pay pal or postal money order.... Wehn ya get the money order take it to post office they can verify if its legit than take it to your bank... And for gods sake dont do friends and family on PayPal....we been down that road..

I’ve used certified bank checks twice in the past, and both times my bank required the full funds for the check amount up front. So the certified check is bought and paid for, so there’s no risk of the funds not being there when the check is cashed.

If you want to go the bank check route, What joep says. Definitely do not fall for a bank account to bank account transfer. That's just a ploy to get your account information, after which the the crook cleans you out.

I got a USPS money order and went to cash it, it was for 300.00 and they said they didn't have that kind of money.

I had to go to the next larger city to get it cashed and that took over half hour. Be careful and lots of luck.

I got the same response Ron. I have a post office within a mile of my house, one within a mile of my office, and two in between. None of the four have been willing to cash a money order for me. My bank will though.

Can't a USPS money order be cashed at your back, or does it have to be cashed at a post office?

Lots of bad advice here.

It's free.

Please clarify which advice you consider bad. It might help others. Thanks.

Yes please enlighten us

Yes a PMO can be cashed at your bank. If you're going to accept a check get a bank draft. bentstick54 is correct. It has to be paid for in advance, issued by the bank.

Did you speak to him on the phone? That has always told me a lot.

Chaz, I am not able to reply to your pm for unknown reason. I had the same issue with a guy named Cureve. He left me a phone number to send additional pictures and answer some questions. I tried calling him and he didn’t answer as he was at work. He said so with a text. He wanted to be my my bow with a bank check. Things weren’t adding up to me so I insisted on PayPal or USPS money order. He declined. He may be legitimate, but I doubt it.

I don't know about Canada but a US bank cashier's check is issued by the bank and is guaranteed.If you call ahead the post office will have enough funds on hand.

Anything paper can be fake or stolen, if you take a piece of paper you are at risk period. For smaller transactions PayPal is safe and secure, for larger transactions TT bank to bank transfers are safe and secure (Its how the worlds money is transferred) ;-).

Terminology can make this a muddy mess. Cashiers check versus bank check? One and the same, or different animals?

As I said above, if they can go to the bank they can go to the PO.

Yes, small PO’s don’t have much cash. Best bet is go late in the day. That said, no matter the size of the PO they can verify it is legit. Then take it to the bank to cash.

Bank drafts are guaranteed with buyer’s funds when they get it. So they should be fine.

Trouble is they cost $10 plus the postage to send to the seller, not to mention the week to get there. Too much hassle.

I’m not paying that when PayPal is easy, instant and either free or far less money. By the time I have finished my screening process, there is no issue using PayPal as I know the other party is legit.

Postal money orders are useless for purchases outside of the country they emanate from. You can’t cash a USPS money order in Canada and vice versa.

Unless I know someone or am sure they are trustworthy, I prefer PayPal G&S. That way they are vetted through PayPal and I am protected.

Phil X2.

I prefer Paypal. Paypal has saved me a couple times.

100% agree with Phil…

Yep.....

I had a guy wanted my 1959 Shakespear. He want to send me a bank check. His handle was Cureve, he never posted on the Leatherwall. I questioned him via text messages and got a funky feeling. I never proceeded with the transaction.

Cureve, Curve…same crook…different identities.

So many think they have to have a paypal account in order to make a payment with paypal.

You do not. You can always process a payment as a guest, or from an invoice sent to you by the seller.

As Phil said - if you use Goods & Services both parties are protected.

Rick

Cureve just contacted me about an ad I had on the Classifieds. Hmmm. I am skeptical when the same handle keeps popping up.

Cureve contacted me with a personal message asking for pictures of a great northern Ghost I have listed. I will not respond to requests for anything from now on if you don't have some kind of history and a phone number that you can be reached at. When buying and selling bows I am a PayPal guy. I am not interested in jumping through hoops to purchase or a sale of a bow. Good Day

PayPal is the best thing since sliced bread...8^)

I love Rick's story. Hope it was a scenic trip.

It's amazing that these scammer guys are probably doing this all day every day. It sounds more difficult than actual work.

I have no trouble with a USPS M.O. and in fact prefer them. The Cureve guy contacted me too, but I remembered a previous warning about him and won’t be doing business with him. Lance

The guy offered to let your bank "verify" the check before mailing the bow. You have no issues there.

PayPal has saved my tail on several occasions.

Pay-Pal

Guys have been scammed on here receiving a fake certified bank check..

Got a request from Cureve contacted me about a Northern Mist Sprague I had in the classifieds. He sent me a check and it was for double what I asked for the bow said the lady at the bank made a mistake. I then typed his handle here and this came up. I voided the check and when I text him I have not heard back. Beware guys is correct. I thought it was going to be a cashiers check I could verify, but it was not.

Dan

He said I could wait till the check cleared, but just did not have a good feeling. Not going to sell a bow and send money with it. I told him I voided it since it was not the correct amount. Guys make sure you do it as safe as possible.

Cureve is a scammer beware. He got nothing but just making everyone aware

Who has been a victim of a fake certified bank check on here

“ Cureve, Curve…same crook…different identities.”

Yep envelope came today. I put return to sender on it !

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