# Who knew it would be this hard to give someone money? **URL:** \ **Category:** The BBQ Pit\ **Created:** [June 22, 2011, 4:10pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442 "2011-06-22T16:10:42Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![thirdwarning](https://avatars.discourse-cdn.com/v4/letter/t/ecccb3/32.png) [@thirdwarning](https://boards.straightdope.com/u/thirdwarning)\ **Post date:** [June 22, 2011, 6:57pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/21 "2011-06-22T18:57:22Z")
> [@carlb](#): > > Still seems silly that I can’t do a reasonably quick online funds transfer between two accounts at the same institution; this was the thing that really bugged me the most. I’ve done this with a phone call to the bank. Transfered money from my account to my daughter’s account. I’m glad you got the problem solved. Maybe, for future reference, you should set up an joint account with your daughter, just in case you need to use it. ---
**Author:** ![Moonlitherial](https://avatars.discourse-cdn.com/v4/letter/m/4bbf92/32.png) [@Moonlitherial](https://boards.straightdope.com/u/Moonlitherial)\ **Post date:** [June 22, 2011, 7:58pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/22 "2011-06-22T19:58:00Z")
Don’t they support email money transfers in the US? I go to my bank website, set up an email money transfer and the bank emails her a link. She inputs the password which I provide to her separately and the money is instantly in her account. No fees (well, included in my monthly fee) ---
**Author:** ![3\_20\_59\_or\_bust](https://avatars.discourse-cdn.com/v4/letter/3/47e85d/32.png) [@3\_20\_59\_or\_bust](https://boards.straightdope.com/u/3_20_59_or_bust)\ **Post date:** [June 22, 2011, 8:07pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/23 "2011-06-22T20:07:27Z")
I don’t know why you people don’t just say what the OP wants to hear… All fucking banks are fucking money-grubbing pieces of shit! There, that wasn’t so hard, was it? And frankly, I agree. ---
**Author:** ![Moonlitherial](https://avatars.discourse-cdn.com/v4/letter/m/4bbf92/32.png) [@Moonlitherial](https://boards.straightdope.com/u/Moonlitherial)\ **Post date:** [June 22, 2011, 8:17pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/24 "2011-06-22T20:17:18Z")
> [@3\_20\_59\_or\_bust](#): > > I don’t know why you people don’t just say what the OP wants to hear… What fun would THAT be? ---
**Author:** ![gazpacho](https://avatars.discourse-cdn.com/v4/letter/g/6f9a4e/32.png) [@gazpacho](https://boards.straightdope.com/u/gazpacho)\ **Post date:** [June 22, 2011, 9:23pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/25 "2011-06-22T21:23:38Z")
> [@Moonlitherial](#): > > Don’t they support email money transfers in the US? > > I go to my bank website, set up an email money transfer and the bank emails her a link. She inputs the password which I provide to her separately and the money is instantly in her account. No fees (well, included in my monthly fee) No the US really does not have a good common way to cheaply transmit money between individuals. My wife gives her parents money every month. She has it setup though automatic bill pay. Similarly to how people pay their credit cards and other bills online. I don’t know if it was a hassle to set it up or not. ---
**Author:** ![Inigo\_Montoya](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/inigo_montoya/32/124_2.png) [@Inigo\_Montoya](https://boards.straightdope.com/u/Inigo_Montoya)\ **Post date:** [June 22, 2011, 9:47pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/26 "2011-06-22T21:47:45Z")
> [@3\_20\_59\_or\_bust](#): > > I don’t know why you people don’t just say what the OP wants to hear… You just…you just don’t get it, do you. 🆒 ---
**Author:** ![Rachellelogram](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/rachellelogram/32/8689_2.png) [@Rachellelogram](https://boards.straightdope.com/u/Rachellelogram)\ **Post date:** [June 22, 2011, 9:59pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/27 "2011-06-22T21:59:53Z")
I and my mom use Chase, and my mom has instantly transferred money to my account. A++ would buy again ---
**Author:** ![sleestak](https://avatars.discourse-cdn.com/v4/letter/s/919ad9/32.png) [@sleestak](https://boards.straightdope.com/u/sleestak)\ **Post date:** [June 22, 2011, 10:29pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/28 "2011-06-22T22:29:26Z")
> [@elninost0rm](#): > > Not terribly uncommon, especially for credit unions. > > I work for the state, and my credit union is located in Harrisburg, PA. I live near Greensburg, which is quite a bit west. I’ve never had to visit the branch nor should I. I can top that. My credit union is in New Mexico and I am in Nevada. I haven’t been to a branch since 1997. Yep, 1997. And there is no way I will change from the credit union. It rocks. Fast service, low fees, no B.S. Slee ---
**Author:** ![kushiel](https://avatars.discourse-cdn.com/v4/letter/k/bbce88/32.png) [@kushiel](https://boards.straightdope.com/u/kushiel)\ **Post date:** [June 22, 2011, 10:58pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/29 "2011-06-22T22:58:13Z")
> [@Moonlitherial](#): > > Don’t they support email money transfers in the US? > > I go to my bank website, set up an email money transfer and the bank emails her a link. She inputs the password which I provide to her separately and the money is instantly in her account. No fees (well, included in my monthly fee) Some days, I wonder if Interac surpasses universal health care as the best Canadian achievement. ---
**Author:** ![Really\_Not\_All\_That\_Bright](https://avatars.discourse-cdn.com/v4/letter/r/e8c25b/32.png) [@Really\_Not\_All\_That\_Bright](https://boards.straightdope.com/u/Really_Not_All_That_Bright)\ **Post date:** [June 23, 2011, 12:11am UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/30 "2011-06-23T00:11:17Z")
Couldn’t she just… you know, wait til next weekend? ---
**Author:** ![Dave\_Hartwick](https://avatars.discourse-cdn.com/v4/letter/d/7feea3/32.png) [@Dave\_Hartwick](https://boards.straightdope.com/u/Dave_Hartwick)\ **Post date:** [June 23, 2011, 12:59am UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/31 "2011-06-23T00:59:52Z")
> [@sleestak](#): > > I can top that. My credit union is in New Mexico and I am in Nevada. I haven’t been to a branch since 1997. > > Yep, 1997. > > And there is no way I will change from the credit union. It rocks. Fast service, low fees, no B.S. > > Slee My black cat: I’m still a member of a credit union in Michigan and I live in Australia. I can call it “my credit union” as I don’t have a local one, exactly. ---
**Author:** ![carlb](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/carlb/32/5930_2.png) [@carlb](https://boards.straightdope.com/u/carlb)\ **Post date:** [June 23, 2011, 1:48am UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/32 "2011-06-23T01:48:44Z")
> [@Really\_Not\_All\_That\_Bright](#): > > Couldn’t she just… you know, wait til next weekend? Nope. Well…not really. Her 12-year-old, 220,000 mile car went tits-up last weekend. She was able to borrow a car for a week, but that’s about as long as she can realistically do that, plus she’s found the car she wants, for the price she wants, and after this weekend her travel schedule gets really hairy. So, there’s a lot of stuff all coming to a head at once. ---
**Author:** ![purplehorseshoe](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/purplehorseshoe/32/2996_2.png) [@purplehorseshoe](https://boards.straightdope.com/u/purplehorseshoe)\ **Post date:** [June 23, 2011, 3:00pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/33 "2011-06-23T15:00:34Z")
> [@rachelellogram](#): > > I and my mom use Chase, and my mom has instantly transferred money to my account. A++ would buy again Well, as long as we’re naming names, Mr. Horseshoe and I bank with Wells Fargo, and even before we were married it was no big whoop to set it up to transfer money between our respective accounts (which we’d had since before we were even dating) for free. Not that this really helps the OP, I suppose, but in case someone else out there is lurking and reading along for similar suggestions… \*\* waves to the lurkers \*\* ---
**Author:** ![Sunspace](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/sunspace/32/1250_2.png) [@Sunspace](https://boards.straightdope.com/u/Sunspace)\ **Post date:** [June 23, 2011, 3:28pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/34 "2011-06-23T15:28:57Z")
My bank (RBC) lets me transfer money between accountholders pretty much instantaneously. ---
**Author:** ![retterath](https://avatars.discourse-cdn.com/v4/letter/r/919ad9/32.png) [@retterath](https://boards.straightdope.com/u/retterath)\ **Post date:** [June 23, 2011, 4:08pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/35 "2011-06-23T16:08:45Z")
Why not make the check payable to the dealership? ---
**Author:** ![Really\_Not\_All\_That\_Bright](https://avatars.discourse-cdn.com/v4/letter/r/e8c25b/32.png) [@Really\_Not\_All\_That\_Bright](https://boards.straightdope.com/u/Really_Not_All_That_Bright)\ **Post date:** [June 23, 2011, 4:27pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/36 "2011-06-23T16:27:34Z")
> [@Sunspace](#): > > My bank (RBC) lets me transfer money between accountholders pretty much instantaneously. Mine too (BOA). ---
**Author:** ![DiosaBellissima](https://avatars.discourse-cdn.com/v4/letter/d/a8b319/32.png) [@DiosaBellissima](https://boards.straightdope.com/u/DiosaBellissima)\ **Post date:** [June 23, 2011, 5:30pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/37 "2011-06-23T17:30:46Z")
> [@Really\_Not\_All\_That\_Bright](#): > > Mine too (BOA). Ditto this. My roommate used to pay her rent to me this way and, when it came time for it, I returned her deposit the same way. Online, instant, no fees. ---
**Author:** ![Jenaroph](https://avatars.discourse-cdn.com/v4/letter/j/e8c25b/32.png) [@Jenaroph](https://boards.straightdope.com/u/Jenaroph)\ **Post date:** [June 23, 2011, 5:36pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/38 "2011-06-23T17:36:28Z")
> [@retterath](#): > > Why not make the check payable to the dealership? Why not read the thread? ---
**Author:** ![Lionne](https://avatars.discourse-cdn.com/v4/letter/l/8e8cbc/32.png) [@Lionne](https://boards.straightdope.com/u/Lionne)\ **Post date:** [June 23, 2011, 6:10pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/39 "2011-06-23T18:10:18Z")
> [@JeffB](#): > > Alternatively, she might be able to cash the check and then deposit the cash. Just a note, most banks won’t allow a client to cash a check for more than they have in their account, in case the check is no good. So she would not likely be able to cash her dad’s check and re-deposit. Now, depending on the bank or the relationship she has with her bank, she may be able to get a manager to override this. Also, depending upon the relationship, many banks will allow her to use a special next-day deposit ticket so the funds are credited next business day. ---
**Author:** ![DiosaBellissima](https://avatars.discourse-cdn.com/v4/letter/d/a8b319/32.png) [@DiosaBellissima](https://boards.straightdope.com/u/DiosaBellissima)\ **Post date:** [June 23, 2011, 8:07pm UTC](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442/40 "2011-06-23T20:07:45Z")
> [@Lionne](#): > > Just a note, most banks won’t allow a client to cash a check for more than they have in their account, in case the check is no good. So she would not likely be able to cash her dad’s check and re-deposit. Now, depending on the bank or the relationship she has with her bank, she may be able to get a manager to override this. Also, depending upon the relationship, many banks will allow her to use a special next-day deposit ticket so the funds are credited next business day. Well, if dad has an account at the exact same bank, the teller can pop into dad’s account, see if the funds are available, and then cash it. That’s no different than the following example: my dad writes me a check off of his account at Wells Fargo, but I bank elsewhere. So, I go to Wells Fargo, show them my ID, give them a thumb print and $5, and they’ll cash the check for me. Why? Because they can instantly see whether the check is good or not. [Previous page](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442.md?page=1) [Next page](https://boards.straightdope.com/t/who-knew-it-would-be-this-hard-to-give-someone-money/586442.md?page=3)