fingerprint in banks

[mweist7124]

can banks force a fingerprint to receive frn? i went to cash a personal check and they would not give me frn's with out my fingerprint. i had the two other pieces of id's. i refused it and am looking for options.

any thoughts on this one?
max
(someone offered liquid bandaid option and then billing them for my print) thanks, any other options?

[Shoonra]

Try screwing up their fingerprint equipment with liquid bandaid or try making them pay you for the fingerprint ID, and I feel certain that a bank VP will close your account for you and escort you out to the sidewalk.

I expect that, soon, every bank will be using some biometric form of ID - if not fingerprints then retinal scans. If you don't want to provide the sort of ID that the bank insists on, you can take your business elsewhere. How much compound interest do you get if you stash the money in your mattress?

[ezrhythm]

You've got to be kidding!

Why would you worry about getting your account closed when the reason they ask for the fingerprint is because you don't have an account with them begin with?

[mikah2k]

It only seems like force. With force you have no choice. You may serve the [vice ]president of the particular bank with a letter stating that their retention of your letter for 72 hours is agreement that ..."

[whatever mweist7172 wants:
example: [V]P-Name agrees to smile for the duration of each contact or meeting with mweist7172.]

xyz bank
by _________________, [Vice ]Pres... of xyz bank.

I, mweist7172, hereby accept either and both silence and the express written consent of the Name_Of_[V]P, [vice ]president of xyz bank, as the agreement of the parties."

Get your acceptance signature notarized.

Then Serve on VP. (return receipt requested)
Record an affidavit of service with your Letter to the VP.
Wait 72 hours.
Serve notice of non-response or notice of default on same VP.
(Now you have agreement of the parties.)

Record a second affidavit of service with notice of non-response or notice of default.

Take your certified copies, at least 2 sets of copies, (letter, 1st aff of service, notice, 2nd aff of service) with you when you go to exchange that commercial paper for non-negotiable non-redeemable FRNs of equal face value.
Serve the commercial paper properly endorsed, Exchanged for non-negotiable federal reserve notes of equal face value - mweist
When requested for the print, request the teller supervisor and serve the cert. copies on said teller supervisor.

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Let us know your success story.

[Shoonra]

Originally Posted by ezrhythm

You've got to be kidding!

Why would you worry about getting your account closed when the reason they ask for the fingerprint is because you don't have an account with them begin with?

Well, if you don't have an account with them and you don't want to play by their rules, the chances that they'll cash your check decline precipitously. You wanted the favor from them, since this is not a burger joint they don't have to do it your way.

As for this repeated nonsense about passing someone a piece of paper and then claiming you had their "express written consent" because they didn't waste time and postage returning it to you; it's a waste of time and paper and may convince them not even to let you in the door again. This business with the paper and the 72 hour deadline and such reminds me of "Casting the Runes" by M.R. James.

[Codee]

Originally Posted by Shoonra

Try screwing up their fingerprint equipment with liquid bandaid or try making them pay you for the fingerprint ID, and I feel certain that a bank VP will close your account for you and escort you out to the sidewalk.

I expect that, soon, every bank will be using some biometric form of ID - if not fingerprints then retinal scans. If you don't want to provide the sort of ID that the bank insists on, you can take your business elsewhere. How much compound interest do you get if you stash the money in your mattress?

Lets see. He doesn't have an account at the bank. That is why they are requiring the fingerprint in the first place. So no I do not think the bank manager will close "his" account.

I do not think I have met a bank manager willing to "escort" me to a sidewalk. Bankers are wimps. They will call a cop. They do not take care of their own buisness.

Third your remedy is to refuse the check for undisclosed requirements of you surrendering your personal property. Tell the issuer of the check that if he want s the privlige of using check to issue them from a new bank.

Originally Posted by Shoonra

Well, if you don't have an account with them and you don't want to play by their rules, the chances that they'll cash your check decline precipitously. You wanted the favor from them, since this is not a burger joint they don't have to do it your way.

No favgour is being done. Is the bank doing a favour when they transfer money they do not own upon a written agreement between the owner of the money and the recipient? The only favour being done is the favour the account holder did to the bank by giving the bank his money trusting that he could access that money with a check, when infact that was not the case and the bannk wanted to add conditions on the check.

Isn't it funny that the fingerprint requirement is not on the face of the check.

Bank of America chrges 5 bucks to cash a check issued by thier bank. Why is this not on the face of the contract.

And since it is a bank they can do nothing by "their" rulkes as everything in banking is regulated by statute.

[ezrhythm]

A check is NOT a request to pay it is a DEMAND to pay.
The bank has a LEGAL RESPONSIBILITY to pay.

[planetmark]

As good as the theory sounds against it, this issue has been challenged many times, and always results in court upholding bank's right to require fingerprint. Anybody ever figure a way around it?

I have been going to the same bank near my work every week for almost a year. The one teller knows me now, and even has memorized the exact amount of my check. So, he no longer asks for any id or fingerprint. But he still charges that stupid $5. But the other tellers want a fingerprint. So I've had to give a fingerprint most of the time for most of the last year. So, familiarity will get you around it, but that is hit and miss as new tellers show up all the time.

[Codee]

Here is how you get around it. My employer (Regal Ent.) was issuing BOA checks with the five bucks. I gave a letter of demand to the Human Resorce dept. and threatend law suit. The HR person filed it with legal dept. and Regal calls up BOA (I had already told the HR dept that BOA clerk told me to cry to my boss and see if they cared.) and cancells a multi, multi multi million dollar payrole account. The teller at BOA with the go cry and see if you big corp listens to you, lost her job. She lost her job within five days of that crap.

That is what I do. Sue the issuer of the check, then they pull their account.

[fulltitle]

Without prejudice.
#1 THe check is likely made for a TRUST or CORPORATION and you say "I come 4 2 cash a check." Nope.

Let us take a deep breath.

Now go to the bank and tell the teller: "I have a draft against your Bank which I am presenting for Acceptance."

"Endorse"

No Liability Assumed,
No Value Assured,
Without Recourse.

They want the fingerprint because they want presumption that a man is underwriting and is authorizing fractionalization of the instrument willingly.

I had a problem once with a "large sized draft" and the teller and the personal banker envious of the sum had a fit. They even suggested that it might be related to 'illegal activity'. I made it clear I wasn't leaving until they honored the draft. I got her boss who made her contact the issuer of the draft and through grinding teeth they forked it over. DO YOU THINK I CARED A SINGLE OUNCE THAT THEY DIDNT *FEEL* LIKE HONORING THE DRAFT? I wasnt shy telling them that they were being obstinate and slanderous. Their frail defenses of went up in ashes. [On behalf of and for "TRUST" I walked out with about $15,000.] And I didnt fill out any stinkin' treasury form either. Oh and the maker of the draft was furious that they even interrupted his day calling him.

And they wanted two pieces of ID. I didnt have two. And if I recall correctly I specifically statd that I was not the one taking up any obligation it was the bank and the maker of the draft NOT ME!.

Exchanged for non-negotiable federal reserve notes of equal face

Indeed.

You might do better serving notice through registered mail so as to ward off their drunkeness so that they will be sober in "doing business" in the future.

Originally Posted by SHOONRA

Bleh bleh..

Apparently they didnt teach about commercial law in "law" school (i.e estoppel).

..

http://ecclesia.org/forum/topic.asp?TOPIC_ID=462

Originally Posted by DAVID MERRILL

Here is some information regarding the TWEA. The forum is distinctly commerce and I believe Lewis is correct within that scope. However I have not read page 411 carefully but I suspect it would have some form of tracking by the Executive written in.

http://Friends-n-Family-Research.inf...l_PL94-412.jpg
http://Friends-n-Family-Research.inf...tipulation.jpg

The form of exercise of this control, noting War Powers have long been revoked except in banking is called irrecusable obligation - through taxation. Since only indirect taxation can be collected on Income, that means an event is taxed, not the Income. The event is endorsement - endorsement of FRNs as negotiable instruments obligates a person the same as Congress in drawing Private Credit.

When cashing checks or even withdrawing from your account with a Withdrawal Slip stamp or write above your signature, "Deposited for credit on account or exchanged for non-negotiable Federal Reserve Notes of equal value". This may raise eyebrows and some suitors got notes telling them to stop. After they did not stop the banks would notify them that the bank, upon advice of the attorneys was not guaranteeing endorsement of the FRNs in any way too. So the attorneys know what is going on with private credit and public money. The bank would of course rather not draw FRNs from the vault - they want you to create them off your Private Credit privileges.

http://friends-n-family-research.inf...rve_System.mp3

While listening pay particular attention to the definition of Public Money; it includes legal tender. That is why FRNs say legal tender for all debts public and private! The author is wrong that you can exchange FRNs for US Notes. You can exchange Private Credit for Public Money. It may be confusing if you are trapped into conditioning that it is somebody else who determines whether the FRNs in your pocket are a confidence game (saying they are negotiable instruments) or debt notes. [If the Treasury agent pesters you about where you will be "spending" your FRNs tell him it is none of his business.*]