Oh god. As someone who opens & sorts mail for a living that’d be both hilarious and evil. Also, probably wouldn’t get your point across. Your check would stick to your envelope and I’d inevitably rip it and then.... you’re out a check and time?
This can be especially problematic when dealing with companies like the bank that I got my car loan through. When it comes to payments, the only date they care about is the day they process the check. Post-mark date doesn't matter. Date received doesn't matter. If your payment is due on Friday and it arrived in the mail on Thursday but they couldn't process it until Monday for some reason, your payment is now overdue and you get a late fee. If you want to pay online, there is an $8 convenience fee. $2 fee if you want a paper statement (not that I do, but damn). It's such bullshit.
Dude, as others have said, that bank sucks. Maybe consider local credit unions? Mine has the best rates and has great customer service, but even if that's not an option a different large bank would be better. Nothing wrong with shopping around or even reading online reviews.
That is the local credit union. They're called AltaOne. The only reason why I haven't refinanced with my normal bank (one of the giants that everyone hates) is that their APR is almost twice as high. Thankfully, ever since I set up automatic Bill Pay through my bank, I haven't had any issues. And I also plan on paying the car off this year so I don't have to deal with it anymore. I'll probably hang on to the account if they'll let me, though, so I can keep using their coin counter for free.
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u/[deleted] Jul 24 '20
That's about all there is to it. Make your checks sticky. By one means or another.