Tuesday, May 23, 2006

Welcome to the 20th Century, Mr. Maki

I realized something today. I am stuck clinging onto a relic of a bygone era. An object that should no longer have any place in my life. Yet I am dependent on it every single month.

The check.

Or cheque, if you're French or something. No matter what you call it, there is no place for it in this century. Shouldn't we all be using online bill payments and direct deposit by now? Yes, we should. Yet here I am, constrained to this damn thing. Wake up Chemlawn. The future is calling, Safetouch Security. Yeah, I'm talking to you, sneaky extortionist mortgage company who will only take online payments if I have a checking account through them. You guys are living in the past and it's time to catch up with the rest of the modern world.

What brings this realization on? It's the fact that I am about to run out of checks. I have never run out of checks in my life. Not once. Now, maybe this is a sign that I wasn't exactly stable in my younger days, but I either moved and had to get the address changed or ended up switching banks because my "free checking for two years!" was up, but I've never had to restock my checks. Yet here I am. I signed up for this account at my bank shortly after I bought my house. This was almost five years ago now. Not only is this the first place not owned by my parents that I spent more than a year living in, it's the first place I've lived in long enough to have to replace checks, for god's sake.

Of course, here comes my problem... I don't know how the hell I'm supposed to order new checks. I have some little form in my checkbook that says "It's time to reorder!"But it has no address, no phone number, no nothing! I figure I'm a pretty smart 21st-Century man, but I'm at a loss as to what I'm supposed to do with this thing. If I can't figure it out by the time I'm down to a half-dozen checks, I figure I'll just switch banks again. I'm nothing if not disloyal to my financial institutions.

But really, why am I still writing checks? And using stamps? I'm stuck trying to get rid of my damn 37 cent stamps, so I take every bill down to the mailroom at work and hand them two pennies to add that extra postage on there. I figure I'll be doing this for another century or so since bills are the only thing I mail ever and I still have roughly 500 stamps with too little postage left. I swear to you, I bought the big roll so I wouldn't have to worry about everyone at work giving me dirty looks when I waved a quarter, a dime and two pennies at them every 4 weeks and the government announces the price hike not a day later. I shit you not.

This is just more proof that society hates me and I will never get to drive a flying car, even though it's the 21st century. If we can't get rid of checks and stamps, I certainly don't see us progressing as a species. That is the Maki Theory of Evolution. Or the Intelligent Design for Human Progress if that sounds like it makes more sense despite being a batch of crap I completely made up. Your choice.

Either way, checks suck and must die. Thank you for your time.

19 Comments:

At 7:31 AM, May 24, 2006, Blogger Beth said...

So I don't get it - your bank doesn't offer online bill pay? Because even if the payee doesn't accept electronic payments, most online bill pay systems allow for this and will print out a check and send it when you click all the right things.

Like for example, my car insurance only takes checks. I add all their info to my bill pay system just like all the others, and pay it like any other bill. Meanwhile, back at the bank, instead of some electronic output of funds that happens like magic (and if I think about it long enough I wind up clutching my temples and screaming "I DON'T UNDERSTAAAAAAAAAAAAND"), an actual check is printed off and then sent to the bloodsucker in question.

Easy-peasey. If this were not an option, there'd be exactly no way to bank from overseas, which I have done to great effect. I have 200 checks that came free with my new bank account, and I can about guarantee they'll last me to retirement.

 
At 7:48 AM, May 24, 2006, Blogger Maki said...

Beth: I must look into this. It sounds like work. Of course, so is switching banks, but I digress.

Now that I think about it, I can almost guarantee my evil mortgage company will find a way to make that not work somehow. They will do it out of sheer evilness.

Caz: Already? Is this some kind of joke? I figure if I hold on long enough I can just use 2 of each 37-cent stamp I own and that will be proper postage. And I like the penny. It's shiny and reminds me of my youth. Plus, I can throw them at people I don't like and it doesn't feel like I wasted anything.

 
At 8:39 AM, May 24, 2006, Blogger Unknown said...

You know you want those cute little kitty checks like Brian has. I can send you the link so you can order them. Ooooh! Wait! I bet you can find 24/Jack Bauer checks too! Dude! You know you've got to have those!

 
At 8:46 AM, May 24, 2006, Blogger Maki said...

If they have 24 checks, I swear to god I'm ordering them immediately. I will pay for everything by check if I have Jack Bauer checks. Yes, I know everyone thinks I'm totally gay for him, but I don't care. I can send the Kim Bauer ones to people I don't like, too! Like that damn mortgage company. I think you're onto something, Holly.

 
At 9:07 AM, May 24, 2006, Blogger ANONYMOUS said...

Yup, I agree with Beth. Your bank should have an online bill pay option so they end up sending the check.

As a last resort, you can be a cheapo and walk up to your bank's counter and ask for a few blank checks to 'get you by' while you're waiting for your order to arrive.

I'm not sure why you can't get those last bastards to auto-bill your credit card instead of forcing you to write a check.

As for postage, I'm about out of 2 cent stamps, and pretty f'n lazy. I'm not opposed to just using two 37 cent stamps now to get rid of them. :)

 
At 9:15 AM, May 24, 2006, Blogger Maki said...

Auto-bill my credit card? Oh no no no no no no no no no no no no no no no no no no no no no no no. Bad idea. Very bad. Very, very bad idea. Not a road I'm willing to go down. Trust me on this. Unless I can bill it to my Best Buy card. Then that makes it totally different. It can go on the next line after those Deadwood box sets I just splurged on...

Has anyone, anywhere ever been able to use one of those blank checks? I remember trying to write one when I got my first checking account and nobody would accept it. It might have been because was trying to buy milk for $1.79, but still.

 
At 9:25 AM, May 24, 2006, Blogger ANONYMOUS said...

Um, I think you may have a case of
'Paranoia...Cha-Cha-Cha'

Credit card billing is the best way, and always my first way. If I could put my mortgage on my credit card I friggin would. Take advantage of those cash back cards and the ability to dispute problem charges, etc...

Last year alone I charged over $45K on my Amex over the course of the year. Everything goes on that fucker. Nice $700 cashback as well at the end of the year. :)

 
At 10:25 AM, May 24, 2006, Blogger Star Droppings said...

There was something on 20/20 a few years ago about an old man who picked up every penny he saw for twenty years. And any change he got, he threw those pennies into jars. He saved up ten grand and bought a pickup truck.

So, I suggest you think of a big-ticket item you can put your pennies toward. This could be interesting.

 
At 10:28 AM, May 24, 2006, Blogger ClrkGriswald said...

Dude - just a quick comment about Safe Touch Security. You and I both have them for our house alarm system and they set us up with Wells-Fargo, who we pay XX.XX every month. Wells-Fargo is going with on-line payments beginning like June 1st or July 1st.

Thought that would brighten your day....one less fucking check you have to write.

 
At 10:30 AM, May 24, 2006, Blogger ClrkGriswald said...

Speaking of pennies - I just saw Lindsay's post about them - we have a BIG 'OL large glass milk jug in our living room. There's gotta be well over $100 in there.

 
At 11:09 AM, May 24, 2006, Blogger Maki said...

Anon: I might get the cash back but the problem is the interest paid in the meantime. Not an option.

Lindz: I figure I'll save up for the leg-lengthening surgery that they do to little people. I think I feel a plan forming in my head. You can never be too tall, after all. Either that or I buy a friggin' huge HDTV. It sounds like a win/win either way.

Mark: I'll believe it when I see it. Wells Fargo are dirty whores. With syphillis. And you'd better hide your penny jar or I steal it next time I'm over... Though stealing a 50-pound jar of pennies without making any noise might prove difficult.

Melis: I pay mine by check so I can track her movements and complicate her day. But I agree, it must be left on the nightstand.

I feel like I've learned a lot today. I know more than I did when I wrote this post. And knowing is half the battle. GI Joooooooooooooooooe!

 
At 12:18 PM, May 24, 2006, Anonymous Anonymous said...

Wow, new faces on here!

Paranoia, cha cha cha is still cracking me up.

http://123checksonline.com/ is where I order my checks. They have an online order form thingy that's pretty easy.

 
At 1:28 PM, May 24, 2006, Blogger Blue Dog Art said...

I bank with Crank of America and I HATE them. The last time I ordered checks through them it was a nightmare. They also used to allow two non-Crank of America ATM transactions a month and they stopped that. Cheap bastards. I think I need a new bank. Wait, I just got like 500 new checks. I'm stuck. Thanks for the opportunity to rant on a somewhat unrelated topic in your comments section. I now return you to your regulary scheduled blog.

P.S. Blogger: maybe if you pictured the word verification legibly I could type it accurately the first time. Argh! I'm done now, really. Sorry.

 
At 3:59 PM, May 24, 2006, Blogger aroha said...

I know I can't come back after falling off the face of the earth and make TOO much fun right away, but dude. You don't do online bill pay through your bank? I thought everyone did that now. Also, in my online bill pay with my bank there's a little tab for re-ordering checks (cheques if you're Australian, too!). And how have you not ever run out of checks? Ever?

 
At 4:19 PM, May 24, 2006, Blogger Maki said...

Face: No direct deposit? Seriously? That's just ridiculous. You may as well be living in the stone age and get paid in gold dubloons or something. That's just so wrong it's scary.

Katie: Not necessarily new faces... Just people I scared off who came back. I think. I will check out that link (please god, let there be 24 checks...)

BDA: Escape the yoke of your Bank oppressors! Burn all 500 checks as a sacrifice to the gods! You can do this!

Aroha: I've never run out of checks because I've never stuck with an address or a bank long enough to get to that point. Until now. I pay all of my bills, save for those 3 online already. I guess I'll have to figure out how to set up the rest of those through the bank. You'd think I'd have figured that out by now, being the internet-savvy blogger that I am... But if I can have 24 checks, then screw it, I'll never use online banking again. Especially if they come out with 24 postage stamps. That might be the coolest thing ever. Ever. By the way, good to see you back, congrats on the whole getting hitched thing!

 
At 5:12 PM, May 24, 2006, Blogger ClrkGriswald said...

Faces - It thought Hidden Hills Country Club was the cheapest damn company around Jax, but I guess your current employer (I would have stuck in the business name right here, but for privacy reasons I didn't) has them fucking beat. HHCC finally got direct deposit, like last summer I believe.

Wow....

 
At 9:29 PM, May 24, 2006, Blogger Tom said...

Wow, what an adult conversation we've got going on here. Writing checks, paying bills, online banking and direct deposit. What are we going to cover next, insurance?

Everyone has medical, right? Thats a must. Dental is a big plus. I've got both, plus optical(double bonus!).

Tomorrow lets hear about your car insurance, Maki, that'll keep everyone glued to their seats.

 
At 12:26 PM, May 25, 2006, Blogger Matt said...

I don't really have anything to add; I just like to be seen.

 
At 1:54 PM, May 25, 2006, Blogger beaner dog said...

Jesus F. Christ, Maki. Just go here. Once you sign up (and I hope to god you already have at this point), you can order checks through there. Though probably just the generic ones ... not 24. It's none of that fancy shit, but it is through your own bank.

For someone as savvy about the internets as yourself, it comes as a major surprise that you can't navigate your bank's own website.

And I am still using checks with my maiden name on them because I'll be damned if I'm going to buy all-new checks just because I changed my name. I've been using them for over 2 years, and no one has questioned it so far. SafeTouch and Unnamed Apartment Complex be damned!

As a related side-note: Why pay money for paper to give money away? Does anyone else find this wrong?

 

Post a Comment

<< Home