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Old 06-12-2011, 09:38 AM
 
Location: Los Angeles area
14,018 posts, read 17,740,386 times
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I was surprised to read in a Social Security press release dated June 9, 2011 that 13% of beneficiaries are still receiving paper checks. (New applicants lost their option to do so on May 1 and current beneficiaries will have to switch to electronic deposit by March, 2013).

Why do you suppose so many people are so retrograde? Perhaps most of the 13% are in their 80's and 90's and are just set in their ways? Perhaps some nearly destitute people do not have a checking account? Does anyone here on City-Data still get paper checks? (I would really doubt that because we all use a computer to post here).
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Old 06-12-2011, 09:45 AM
 
Location: MMU->ABE->ATL->ASH
9,127 posts, read 17,145,055 times
Reputation: 9980
I think part of its is a Socal thing... Going to the bank to deposit/cash talking to the tellers.
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Old 06-12-2011, 11:56 AM
 
29,782 posts, read 34,871,258 times
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Quote:
Originally Posted by Escort Rider View Post
I was surprised to read in a Social Security press release dated June 9, 2011 that 13% of beneficiaries are still receiving paper checks. (New applicants lost their option to do so on May 1 and current beneficiaries will have to switch to electronic deposit by March, 2013).

Why do you suppose so many people are so retrograde? Perhaps most of the 13% are in their 80's and 90's and are just set in their ways? Perhaps some nearly destitute people do not have a checking account? Does anyone here on City-Data still get paper checks? (I would really doubt that because we all use a computer to post here).
Just look at all the check cashing facilities etc.
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Old 06-12-2011, 12:29 PM
 
Location: Talmadge, San Diego, CA
13,325 posts, read 25,301,489 times
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One of my two part-time jobs does not have direct deposit. They're printed by a payroll service, and we have the option of picking them up, or having them mailed. My other part-time job gives you a choice of a check or direct deposit, and I chose direct deposited. My Social Security check is direct deposited, and I prefer it over a paper check. I do everything possible online, and only write one check per month, and that's for my rent.

I wish there was law that would make it mandatory for companies to have direct deposit, it's so much easier.
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Old 06-12-2011, 12:46 PM
 
Location: Ohio
19,924 posts, read 14,238,717 times
Reputation: 16101
Quote:
Originally Posted by Escort Rider View Post
I was surprised to read in a Social Security press release dated June 9, 2011 that 13% of beneficiaries are still receiving paper checks. (New applicants lost their option to do so on May 1 and current beneficiaries will have to switch to electronic deposit by March, 2013).

Why do you suppose so many people are so retrograde?
Why do you suppose so many people are so hung up on technology as the magic bullet?

When a big X-Class Flare punches through your magnetosphere and sends you back to the Stone Age for a century or more you'll be quite humbled.

Quote:
Originally Posted by Escort Rider View Post
Perhaps most of the 13% are in their 80's and 90's and are just set in their ways?
I'm in my 40s. My Social Security and VA Disability Checks for June are still sitting here on my desk. I'll get around to cashing them soon enough.

Quote:
Originally Posted by Escort Rider View Post
Perhaps some nearly destitute people do not have a checking account? Does anyone here on City-Data still get paper checks? (I would really doubt that because we all use a computer to post here).
Perhaps some people would rather not waste their money on ATM fees and surcharges and POS fees and surcharges, but then the current Middle Class was never all that intelligent with money as evidence by the fact that they can't seem to keep from getting upside down on their car notes and mortgages.
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Old 06-12-2011, 04:54 PM
 
Location: Verde Valley AZ
8,618 posts, read 9,684,845 times
Reputation: 10965
Quote:
Originally Posted by Escort Rider View Post
I was surprised to read in a Social Security press release dated June 9, 2011 that 13% of beneficiaries are still receiving paper checks. (New applicants lost their option to do so on May 1 and current beneficiaries will have to switch to electronic deposit by March, 2013).

Why do you suppose so many people are so retrograde? Perhaps most of the 13% are in their 80's and 90's and are just set in their ways? Perhaps some nearly destitute people do not have a checking account? Does anyone here on City-Data still get paper checks? (I would really doubt that because we all use a computer to post here).
My mom gets a check every month. She closed out her checking account a long time ago, fearful of bill collectors taking it all. I did my best to explain to her that they CAN'T do that to anyone who lives on a little over $600 a month. But she didn't trust them. So, she gets a check. She got a letter in the mail some time ago that she would...sometime in the future...be getting a debit type card with her money on it. They'll just load her money onto it every month and she can pay everything with it, same as cash. She's used to that concept since she also gets food stamps and that's how it works. She's 84 and not exactly "hip". lol

My checks...both SS and paychecks...are direct deposited. For work nearly everything related has to be done online now. Schedules, paycheck stubs and W2's accessible only online these days. Makes me wonder how the office girls are spending their time these days....
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Old 06-12-2011, 05:50 PM
 
Location: Bar Harbor, ME
1,922 posts, read 3,779,855 times
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I'm really too Luddite to trust direct deposit, but I'm having both my pension and my SS checks direct deposited.
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Old 06-13-2011, 10:56 PM
Status: "I am Blessed." (set 8 days ago)
 
Location: Spurs country. "Go, Spurs, Go!"
3,412 posts, read 3,968,861 times
Reputation: 8830
I don't want to be told by my government, my employer, or anybody that I HAVE to have MY pay or any money owed to me directly deposited into a bank account, or on a Debit card. I prefer a paper check, that's my preference and choice. What is fine for some is not fine for all, and I really resent choices being taken away from us. I don't want to wait months to close an account if I switch financial institutions, and I find workers, companies and technology today to be full of errors, with too many complications, and the fixing of these problems are so detailed that employees don't know how to do it or they just don't care. I don't want to not have access to my money if a mistake is made and my deposit is not credited to my account, or is late. I am a very "detail oriented" person and have always gone the "extra mile" to correct something to the point that it is corrected the first time, not just a temporary fix. I prefer to have my paper check in front of me along with my individual deposit slips into different accounts with some cash coming back. This puts me in control of handling my money. I am not a member of this tekkie generation and don't care to be. You young people can have all your confusing and costly technology, I still like to do things myself the way I want to do them.
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Old 06-13-2011, 11:56 PM
 
29,988 posts, read 37,219,198 times
Reputation: 12765
Digital money is a ghost. Major computer systems are being hacked right and left. When our bank accounts are all emptied due to cyber crimes those with a paper trail will be glad they had it.
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Old 06-14-2011, 06:25 AM
 
29,782 posts, read 34,871,258 times
Reputation: 11705
Quote:
Originally Posted by Michigan Transplant View Post
I don't want to be told by my government, my employer, or anybody that I HAVE to have MY pay or any money owed to me directly deposited into a bank account, or on a Debit card. I prefer a paper check, that's my preference and choice. What is fine for some is not fine for all, and I really resent choices being taken away from us. I don't want to wait months to close an account if I switch financial institutions, and I find workers, companies and technology today to be full of errors, with too many complications, and the fixing of these problems are so detailed that employees don't know how to do it or they just don't care. I don't want to not have access to my money if a mistake is made and my deposit is not credited to my account, or is late. I am a very "detail oriented" person and have always gone the "extra mile" to correct something to the point that it is corrected the first time, not just a temporary fix. I prefer to have my paper check in front of me along with my individual deposit slips into different accounts with some cash coming back. This puts me in control of handling my money. I am not a member of this tekkie generation and don't care to be. You young people can have all your confusing and costly technology, I still like to do things myself the way I want to do them.
The reality is the cost of issuing a paper check vs the cost of electronic transfer. Also the speed of transaction. Would it be ok with you if SS charged a paper transaction fee and deducted it from your benefit?
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