European Stars And Stripes (Newspaper) - June 4, 1985, Darmstadt, Hesse                                June 1985 the stars and stripes Page 9 checks and balances returned not paid endorsement d account deed d signature d other d Stop payment funds not available  funds returned due to insufficient funds following redeposit by last closed no malice but by Bob Hoyer staff writer who writes All those rubber checks your friends fellow troops perhaps your spouse maybe youve contributed to the its sure easy to Bounce a anyone can do with All those pressures to buy and there Are times when it takes determination and financial discipline not to Bounce a that discipline often is lacking at military communities in discarded paper on the pavement next to express Teller machines indicates Sloppy in Many banking clients withdraw Money but fail to record the withdrawals in their Bank in military banking some customers boast about writing checks against negative their goal a free ride on Money they dont have until their pay is credited to their banking officials Divide bad Check writers into casual and deliberate they say casual writers account for the vast majority of bounced checks a figure that reached a record at cafes and american express military banking outlets in Europe last most rubber officials Are caused by careless record keeping and bad service members and spouses writing checks on the same account and neglecting to compare flirting with Bank thousands play the As payday they write checks against balances and Hope their pay will reach the Bank ahead of the in most of these officials no malice is in and the Money nearly always is made financial Counselor blame carelessness and ignorance for most of the checks bounced by inexperienced in a troop on the Community bad Check list was asked to present his Check Register so he could be i dont have he told Vanessa Community Check control when i started to Bounce checks i threw it the soldiers attitude of indifference combined with innocence left Smith shaking her head in How do you help such people reaching them can be quite she Manuel Security manager of the Navy Exchange in says most of those who write bad checks Are Young people who make simple mis the vast majority of these people Are honest and make an Effort to Correct their he John chief of Legal assistance for v corps in counsels bad Check writers once they have gotten into financial he attributes most problems to mistakes and to checks written before pay is deposited in Martensen says Many clients Are embarrassed and want to Correct their accounts As quietly and As quickly As Warren v corps staff finance says Many checks Bounce when banking clients take a calculated risk by writing checks too they expect their pay to arrive before the Check of course this is a often they get caught when checks arrive at the Bank before their he a banking official in line at a Check cashing facility in Frankfurt heard Bank clients brag about the checks they intended to one customer told a buddy that he had just bounced one Check and intended to Bounce two these people were hoping their pay would be deposited by the time their checks arrived at the the official but at the time they wrote the checks there was not enough Money in their accounts and they knew they were playing for an air Force no says that on several occasions checks cashed at a military banking facility in Ramstein cleared merchants National Bank in Indianapolis in two or three before automation it would have taken at least 10 Days for such checks to the Good old Days when an individual could Cash a Check or a stateside Bank and depend on a free ride for a week or longer Are said Pete manager of payment services for military banking in weve become highly automated in up to 90 percent of the checks cashed at Branch Banks in Ger Many Are flown overnight by courier to new and from new York they Clear commercial Banks very people who anticipate that extra time Are going to find their checks predating checks to be cashed in the future also has gotten banking clients into one account Holder sent his finance company six checks dated on successive months for future the finance company ignored the dates and forwarded All the checks for immediate Phillips of course the client didst have enough Money in the Bank to cover All the so most of them in Menchaca has handled a checking prob lems involving couples with a single these occur when they carry separate he if they have just a Small balance and both write checks without the other knowing then one Check is sure to when families bad Check cases often must be resolved by Legal we had a Case of a Serviceman wife writing checks on an account that had been said Jerry Legal assistance attorney for the 21st support the Soldier was no longer responsible for his but he was called on the Case because she still used his social Security we Are Able to Clear up such but they Are an inconvenience to the and they take Diane financial Counselor at Wiesbaden army Community finds that an increasing number of bad checks Are being written out of anger and in some ways these Check writing sprees Are like drinking she Ive been counselling for years and i used to find Many people who didst realize they were writing bad now i think an increasing number of people know what they Are sometimes they seem to be asking for help when they write a string of bad in the past year Garlock has handled several cases that involved numerous bad checks written on once these people talk Over their they usually Are Able to make Good on the checks and discontinue the she rubber checks Are no laughing matter Granny by Bob Hoyer staff writer please dont do it again if you Send a Check for my make sure you have enough Money in your Bank to cover this plaintive plea is request from All of us who have received not checks from you in the sending out a bad Check in the future can Only produce a double it will cheat us of your deeply Felt generosity and it will result in a penalty enough is your bounced checks no longer Are a laughing military banking facilities must treat them the same As All other rubber that Means a charge for each bad Check drawn on a commercial even if the Casher has a military banking a the increasing number of bad checks is the reason for this in the 1984 fiscal banking facilities cashed bad checks drawn on All but of these eventually were made but the delay in collections temporarily deprived military banking of thousands of and collection costs climbed with the Rise in personnel costs and the increasing number of dishonoured to pay for rising costs in military the defense department in february increased bad Check charges from to the charge applies no matter How Large an account the Casher has in Mili tary the Only exception is the bad Check written on american express for which there is a under the Dod any id cardholder is entitled to Cash a Check of up to in a banking contrary to the requirements of com Mercial Banks in the United where the Casher of a Check must have a Bank there is no need to have a military banking account to qualify for this officials say bad checks frequently show up in the banking system during Holiday Christmas and easter usually brine a spate of Small checks for service families from relatives at these checks often Are sent to Many of these Are gifts of 10 to 15 for said Pete manager of american express payment Many come from and it never fails that a number of these checks must be returned for insufficient it is always a sensitive Issue when a Bank official must inform a client that grandmother has written a rubber under the penalty that became effective this the recipient of grand mothers hot Check not Only loses the but is charged a and that enough to give everyone involved a red