my job has an account with this bank down the street, and i want to cash my check there so i won't have to get charged for cashing it. when i went to that bank they told me that in order for me to cash my check with them i had to give them my finger prints in order for them to cash my check. is this legal? and why should i have to do this? i asked them at the bank but they weren't clear enough with me and really ddnt even have a justifyable answer.
2007-12-13 01:26:33 · 13 answers · asked by POOCHY 5 in Politics & Government ➔ Law & Ethics
No it is not legal--if you consider the Constitution to be the final place for the answer. big jon is correct--it is an invasion of privacy.-----To my knowledge this has not been thru the courts as yet. Most of it has to do with the Patriot Act which may yet be ruled unconstitutional in total or parts thereof--also another mis-application of the law is to use your S.S. number for identification which also is unlawful and has been and still is being ligitated---of course the banks can refuse to do business with you but----if you were to try to open and acct. and they would not let you because of refusing to give them your S.S. number and you replied that your religious belief would not let you use any number for identification because of Biblical References---then if they still refused to open an acct.---you would have a case against them---that in my belief would be upheld by the court system.
P.S. The banks are not all private as they are most a part of the Quasi-private Federal Reserve System---which dispenses not "Money" but IOU's that are called Federal Reserve Notes(a promise to pay)---you can see the govenment is involved in your privacy.
2007-12-13 01:58:32 · answer #1 · answered by doubleolly 5 · 0⤊ 0⤋
You dont have to do it, Becuase it is your choice to cash your check there. You can avoid it by not cashing your check there.
The answer is yes it is legal for them to do it. I today's time of Fraud running rampant it is a way for them to protect their money.
If the check comes up to be fake or forged they just dont have a photo copy of a faked ID. If a person can fake a payroll check they sure can fake an Id.
But you can not fake your fingerprints and it gives them a great start on putting a person commiting fraud in jail.
either get fingerprinted or pay the cashing fee and dont be mad at the bank it is not their fault it is the fault of all the low life scum who commit fraud and cause them to have to have such policies.
ADDITION: Watch the movie catch me if you can with tom hanks and leonardo decaprio and you will see why they require it when you are not a customer of theirs. It is based on a true story and that guy was able to do it many years ago before the existance of PC's home Printers and photoshop. Now it is even easier to do.
In the End their bank their money their rules
2007-12-13 01:37:46 · answer #2 · answered by Anonymous · 0⤊ 1⤋
They would have to prove they overpaid. That would all but impossible for them to do. It is 100% the responsibility of the individual cashier to ensure that they only pay out the correct amount of cash. You do not have to do anything whatsoever at the moment. It is 100% upto the bank to prove that they in fact overpaid you the cash. If they cannot do so then ignore it. If this had been money transferred into an account then that would be different and you would have to pay it back.
2016-05-23 09:06:35 · answer #3 · answered by ? 3 · 0⤊ 0⤋
Yes it is legal. They do it for their protection as well as yours. If you open an account at a bank...they will not charge you to cash a check. Many banks do not finger print their own customers.
2007-12-13 01:37:01 · answer #4 · answered by saved_by_grace 7 · 0⤊ 1⤋
I would think that this is a violation of your privacy and the bank does not have the right to demand your fingerprints. All you should have to show is a valid ID proving you are who you say you are. Especially since the check is drawn on an existing account at that bank.
2007-12-13 01:35:10 · answer #5 · answered by Anonymous · 2⤊ 1⤋
Yes it's legal. Whenever I cash a check at my bank I have to put my thumb print of the check as well as show them my D.L.
2007-12-13 01:33:02 · answer #6 · answered by jennyღ 5 · 0⤊ 1⤋
You answered your own question. Your JOB has an account with that bank, not you. Get your own account and you will not need to do this. If you wish to use a bank that you do not have an account at, you go by their rules or go somewhere else.
2007-12-13 01:37:21 · answer #7 · answered by sensible_man 7 · 0⤊ 1⤋
I think it depends on state banking laws, but I must say that it is a common practice if you do not have an account at that bank yourself. I've seen it in at least a few states when I've traveled for business.
2007-12-13 01:32:12 · answer #8 · answered by The_Doc_Man 7 · 0⤊ 1⤋
I don't see anything illegal about it. Banks are private institutions and capable of making their own rules. In the age of identity theft, finger printing seems like another method of prevention.
If you don't want to follow that bank's rules, don't do business with it.
2007-12-13 01:33:19 · answer #9 · answered by DOOM 7 · 0⤊ 1⤋
It's legal, as they can allow or restrict their service to whoever they want. This is likely a measure used to prevent fraud, you should feel more secure with a bank that takes that tries to mandate that level of security.
2007-12-13 01:32:27 · answer #10 · answered by sargx2000 3 · 0⤊ 1⤋