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Chase requires full card number on payment check?

Chase requires full card number on payment check?

Old Dec 26, 19, 7:07 am
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Chase requires full card number on payment check?

Hello,
Of all of our credit cards, Chase Visa is the ONLY one that requires that we write our FULL visa account number on the check. They print it on the flap of the envelope. We refuse to do this as there is no reason for this number to go out into our banking system plus credit card theft if the check is stolen. We put the ........4321 on the memo line every time and feel that is sufficient. Any thoughts on this?
Thank you,
Mike
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Old Dec 26, 19, 7:13 am
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What's a check?
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Old Dec 26, 19, 8:21 am
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Originally Posted by bobnchi View Post
What's a check?
Seriously. ACH is less hassle, faster, more certain, and, I'm pretty sure, safer. And no "stamp" needed (if you remember those).
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Old Dec 26, 19, 8:25 am
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Why on earth would you still mail a check?

If you insist on doing so, I would write the full account number on the check to make sure it's properly credited...of course you still run the risk of someone fat fingering the number and applying the payment to the wrong account. ACH is so much better.
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Old Dec 26, 19, 8:32 am
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If you really choose to still send a check, you may ignore the "requirement." It is there in case the payment coupon and check become separated.

But, to be clear, the security risks associated with mailing the payment coupon (which has your CC account number on it) and the check (which has your checking account number on it) are just as serious as the concern you have raised. In this day and age, passing the efficiency issue, as a plain matter of information security, it is a poor idea to mail the two documents together.
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Old Dec 28, 19, 7:46 am
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Thank you ALL very much for your helpful responses. We appreciate it greatly {;-)
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Old Dec 28, 19, 10:48 am
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Originally Posted by Mike Reilly View Post
Hello,
Of all of our credit cards, Chase Visa is the ONLY one that requires that we write our FULL visa account number on the check. They print it on the flap of the envelope. We refuse to do this as there is no reason for this number to go out into our banking system plus credit card theft if the check is stolen. We put the ........4321 on the memo line every time and feel that is sufficient. Any thoughts on this?
Thank you,
Mike
Check? Seriously? Who still uses personal checks???
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Old Dec 28, 19, 9:40 pm
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It's been 5 years since I've written a check
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Old Dec 29, 19, 8:24 am
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Originally Posted by Mike Reilly View Post
Thank you ALL very much for your helpful responses. We appreciate it greatly {;-)
All the other posters are 100% right. There is no reason to use check as payment form to your credit card, even from 10 years ago or even much earlier than that.

Since you came online to post this, you surely would have online access to your banks and your card issuers.

From you banks you can do Bill Pay to the card issuers, that is described as a PUSH method - push the money to the card issuer to make payment.

From your card issuers you can link your external bank accounts to the card, then just pay from inside your credit card Pay function. This is described is a PULL method - pull the money from the linked external payment accounts.

Both methods are used ACH system and often takes just one day to transact the money - everything is handled electronically. If you use the PULL method to pay your Chase Visa before 8pm CT, the payment would be posted to your card account even though Chase does not initiate the ACH the next day and withdraw money from the linked external account.

Seriously, nobody uses a check for much anything these days if they can avoid using such instrument because other options are much safer, faster, and cheaper.

IF you still prefer use a check, then you can drop by Chase branch to make payment at the window. Present your check and your card, does not even need the payment slip, and the teller would take care of the rest plus gives you a receipt on the spot.
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Old Dec 29, 19, 8:28 am
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Originally Posted by comptalk View Post
Check? Seriously? Who still uses personal checks???
We do, without choice, to pay the maintenance fee of our condo. While an ACH can be set up, the association keeps changing their bankers every 18 months it so seems. It is a lot of hassle to do the new paperwork etc etc.

They just changed the bank again, and worse, now the maintenance fee is not charged quarterly, but monthly! Although this time the arrangement this time is that we can pay at any branch of the bank, with the payment coupon and the check. The problem is, nobody in the complex has received the 2020 payment coupon book yet! Of course instead of 4 checks a year, now it is 12 checks a year. Yike!
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Old Dec 29, 19, 9:25 am
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Originally Posted by Happy View Post
We do, without choice, to pay the maintenance fee of our condo. While an ACH can be set up, the association keeps changing their bankers every 18 months it so seems. It is a lot of hassle to do the new paperwork etc etc.

They just changed the bank again, and worse, now the maintenance fee is not charged quarterly, but monthly! Although this time the arrangement this time is that we can pay at any branch of the bank, with the payment coupon and the check. The problem is, nobody in the complex has received the 2020 payment coupon book yet! Of course instead of 4 checks a year, now it is 12 checks a year. Yike!
Not to go too far OT, as this is a condo, the owners, e.g. you, need to deal with the management company you, as the owners, have retained.

In particular, operating businesses which regularly switch banking relationships are a red flag for all kinds of reasons.
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Old Dec 29, 19, 10:08 am
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Originally Posted by Often1 View Post
Not to go too far OT, as this is a condo, the owners, e.g. you, need to deal with the management company you, as the owners, have retained.

In particular, operating businesses which regularly switch banking relationships are a red flag for all kinds of reasons.

Been living in the same condo complex for many years and have been on the board / governor multiple times, your advice is well taken but very elementary and only good in theory.

FYI, the condo is not managed by a management company. It is managed by a board of directors with the assistance from governors from each building.

About changing banks - the reasons to switch banks are primarily due to the banks do not provide satisfactory services per the contract stipulated. No reason to put up with such when there are a lot of banks to go about.

Last edited by mia; Dec 29, 19 at 1:34 pm Reason: Remove personal remarks.
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Old Dec 29, 19, 10:39 am
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Originally Posted by Happy View Post
We do, without choice, to pay the maintenance fee of our condo. While an ACH can be set up, the association keeps changing their bankers every 18 months it so seems. It is a lot of hassle to do the new paperwork etc etc.

They just changed the bank again, and worse, now the maintenance fee is not charged quarterly, but monthly! Although this time the arrangement this time is that we can pay at any branch of the bank, with the payment coupon and the check. The problem is, nobody in the complex has received the 2020 payment coupon book yet! Of course instead of 4 checks a year, now it is 12 checks a year. Yike!
Can you use the bill pay function from your bank? That way the bank generates the check. I used to do that with the few holdouts that wanted checks. Of course, if they insist on the actual payment coupon being included, it won't work.
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Old Dec 29, 19, 11:20 am
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Originally Posted by jtc246 View Post
Can you use the bill pay function from your bank? That way the bank generates the check. I used to do that with the few holdouts that wanted checks. Of course, if they insist on the actual payment coupon being included, it won't work.
Final OT

Yes and No. The company that handles the posting of locked box payments also handles many condo complexes. To distinguish each they handle, they create a cumbersome long account number for each unit, so long that it does not fit in the space bill pay allowed (Seems both TD and PNC use CheckFreePay platform, I have not checked Chase). There are also delayed postings of the receipt of payments to corresponding accounts. Check payments also take long time to cash (withdrawn from payment account), but at least it is much easier to trace should posting go awry.

Right now we dont even have the instruction on bill pay because the instructions on all allowed methods (at the bank, mail check, bill pay, arrange ACH from the Condo's bank, and even by credit card with a fee) are supposedly mailed to us together with the 2020 payment coupon book. The 2020 payment coupon book apparently has not been mailed yet because the 2020 budget is passed later than the usual time. So the association will waive the late payment fee for January... It is a mess.

Last edited by Happy; Dec 29, 19 at 11:21 am Reason: correct typo
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Old Dec 29, 19, 5:52 pm
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Since the OP's question has been answered I'm closing this thread before it gets even more OT.
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