I went to the bank the other day to deposit some money. I have bills due soon. I don't have the money on me now, but my friend owes me some money - he even gave me a signed IOU on a napkin. I tried to tell the bank teller this, and offered to give her the IOU, but that dirty teller wouldn't deposit my money.
I have to buy some one-touch can openers, but I need to deposit the money. I can't be the only one with this problem. What have you done in this situation?
My friend's good for the money. Sheesh.
2007-05-08 17:21:16 · 17 answers · asked by Tony R 3 in Business & Finance ➔ Credit
I have the same problem - I need to buy one-touch can openers too. I won a lifetime supply of cat food cans, but I don't have a cat, so I'm opening them all to see if someone accidentally put money or car keys in one. You never know.
2007-05-08 17:27:20 · answer #1 · answered by Mr. Know-it-all 4 · 4⤊ 0⤋
What money are you talking about - the IOU? That isn't money, and can't be deposited. Go back to your friend and get a proper cheque if you need to deposit it right away. The bank will likely put a hold on a personal cheque for a few days anyway, though, so cash would be better if you need immediate use of the money.
The bank didn't lend your friend money, you did; don't make this their problem when it is clearly yours.
2007-05-09 00:11:36 · answer #2 · answered by CanadianBlondie 5 · 0⤊ 0⤋
You can't use IOU written in a napkin..... What are you thinking? Maybe you can use the can opener that needed a little bit of twisting but not a fancy one. If you are so needy as what you have described, an electric can opener is not a necessity in life. You are probably just joking.
2007-05-08 18:01:40 · answer #3 · answered by earth angel 4 · 0⤊ 0⤋
Are you even asking this seriously? A NAPKIN? If anyone could take a napkin into a bank with a certain amount of money and an IOU written on it, then I think we'd all be rich.
Unless your friend writes a check, or gives you cash, then you're not going to get the money deposited.
2007-05-08 17:25:42 · answer #4 · answered by deviant_deviltry 2 · 0⤊ 3⤋
You tried to deposit an IOU and your mad that the bank won't take it? In all my years I have never heard of such a thing as trying to deposit an IOU...lol
2007-05-09 00:06:27 · answer #5 · answered by M L 2 · 0⤊ 0⤋
An IOU is NOT legal tender. Many people default on loans. It's a business. If you can't afford not to get money back in a timely fashion, don't lend it out in the first place. It's just business . . . deal with it.
2007-05-08 17:26:45 · answer #6 · answered by pnkyz_brain 3 · 0⤊ 1⤋
Are you f*cking retarded? What are they going to deposit into your account? That piece of paper? Let me explain how a bank works. They keep the money in safes and accounts have intangible credits on them. A transfer is just a transfer of these intangible credits and a deposit is them putting the money under the front desk, later into the back room and adding credits to your account. You piece of paper is worthless unless you've got a transit and account # on it or cash.
2007-05-08 17:34:36 · answer #7 · answered by Anonymous · 0⤊ 2⤋
You're kidding!! I would report that bank to the BBB, the FDIC and the CAA. That is so wrong!!! Move your business to another bank ASAP!! And that teller needs to be fired!
In the mean time apply for a no interest loan to get your one touch can openers.
2007-05-08 17:25:36 · answer #8 · answered by kgee 4 · 2⤊ 2⤋
Whenever I need one-touch can openers that bad I just go to my dealer and have him front me. Banks don't understand the plights of the little man, they're all about big business.
2007-05-08 17:25:21 · answer #9 · answered by Ang 2 · 2⤊ 1⤋
get a new bank of course. What kind of bank will not take an IOU....
2007-05-08 17:24:31 · answer #10 · answered by Anonymous · 1⤊ 1⤋