European Stars And Stripes (Newspaper) - June 5, 1985, Darmstadt, Hesse                                1985 the stars and stripes Page 9 checks and balances you can lose Check cashing privileges if that second party Check int Good re non univ try Bob Hoyer staff writer the sergeant was in a Blue he had never come close to bouncing a yet he now found himself on the Community bad Check by cashing the Check of another he had lost his own Check cashing Why his problem was the second party Check of the Fel Low it was returned for insufficient As the last the sergeant was but he was in the Field when the Check failed to by the time he Learned the Check had he already was on the despite scrupulous management of his own Finan Cial the sergeant was forced to prove his Relia and that meant going through the paper exer Cise to have his name removed from the the sergeants embarrassment was not an isolated problems with second party checks Are fairly a principal reason is the widespread misunderstanding of the rules that apply in the cashing of such Many supervisors Are surprised by the rules when their employees get into trouble with Sec on party Many victims become outraged when asked to make Good the face value of and when assessed penalty charges imposed when checks in three soldiers made the Community bad Check list because they cashed checks for a Soldier already on the All three ended up in the Community Check control it took two months to Clear their names from the the Soldier who issued the bad checks was referred to army Community services for theres nothing unusual about holding the last endorser responsible for a military banking officials that the Rule of commercial banking in the United when a second party Check is the Bank always has recourse against the last says Ray the manager of credit services for Ameri can express military banking in it Doest matter if the Check is deposited in the cashers if the Check the cashers account is reduced by the amount of the if his account will not cover the the Bank will ask him to make it it then is up to the Casher to go after the individual who wrote the cafes follows a similar procedure in cashing a second party if such a Check the endorser must make it or be put on the cafes bad Check Navy Exchange outlets Seldom accept second party Only under unusual circumstances will we accept said Manuel the Security manager for the Navy Exchange in if a Young Sailor comes in with a Check from Home for his we might Cash if he cant get it cashed anywhere As a general we do not handle second party checks because weve had bad experiences with banking officials advise clients to make sure a Check is Good before cashing this is particularly True of Large checks accepted by  As payment for used or such High Cost items As electronic gear or camera you ought to know a person pretty Well before accepting a Large said Pete the Man Ager of payment services for american express Mili tary if there is any doubt at you should play it Safe by insisting on a certified t Diane financial Counselor at Wiesbaden said checks that Bounce can be a even if clients make immediate As an example of what can she cited the Case of a Check cashed at cafes by a the parents ended up paying in despite making the Check Good they narrowly escaped the Community bad Check list because of delays in the paper Garlock advises clients to Deposit second party checks in their rather than cashing them at that Way if a problem develops you can Correct it right to be perfectly you might wait until the Check clears to credit it to your she some people have gotten into trouble by accepting checks from individuals already on a bad Check Counselor warn that carelessly accepting such a Check might be construed As conspiring with the Check writer to beat the this could bring in quiries from criminal in All they prudence is if there is any dont accept the Check need help balancing your Check Book its available Bank patrons who hate math and despise record keeping Are in danger of finding their Check books out of if youre one of those who is confused or bored by All those you should seek advice before you Start bouncing help is financial Counselor at army Community services conduct group and one none sessions in Check Book counselling on a voluntary and referral basis is provided by the air Force personal management financial Navy family service centers offer help for those with checking account and other Money most service members receive a smattering of instruction on personal finances Dur ing Basic airmen Are briefed during recruit train ing and at Intro programs on each subsequent Check Book maintenance is one of the subjects covered at some head Start and Gateway programs for army troops arriving in unit training officers and commanders often request additional american express banking and military finance Counselor provide such instruction As the need Linda military banking coordinator for customer services in the South Ern Region of conducts an aver age of six training sessions a her hour Long briefings include information on the writing of checks and the maintenance of she emphasizes the need to record All checking writing including express Teller machine banking officials promote use of duplicate checks to assist in Braymiller is one of five military banking coordinators conducting training coordinators work with Branch banking facilities to increase information programs for banking in one of the most Active Community Check control office worker Linda Boyce helps servicemen by learn How to maintain their banking Counselor conduct up to 20 ses Sions a year at Drake Edwards Cavern in in addition to training Branch Banks offer help on Check Book maintenance on a Walkin in the first Quarter of the 1985 fiscal ending Branch banking clerks made Check Book reconciliations for Walkin this was part of our total educational Effort to reduce the number of bad checks said Peter the director of consumer services for military banking in on the our people spent nearly a half hour with each Patron who needed help with the were going to be doing a lot More of we Hope it will pay off in fewer bad acs Counselor play a major educational role at preventive and remedial sessions on Check Book we do a lot of sessions at the invitation of the units because so Many Young soldiers have never been exposed to the checking said acs coordinator july Low in i like to limit these sessions to 25 per but we have had As Many As 100 at for the larger i usually work with two other what we give them is very Basic information presented in a very simple Low also conducts remedial courses for those who have been put on Community Check control office lists for writing bad these people must have this instruction before their Check cashing privileges Are re Low when individuals Are put on bad Check Check cashing restrictions Are noted on their id new id cards Are issued when they qualify for removal from the at the Frankfurt Check control Linda Boyce says Only secondhand third time offenders Are required to take Remedi Al we offer a 15minute slide presentation on the use of the Check Book and follow this with a  Boyce then we give people a Short test to see if Treyve absorbed the fundamentals of Check Book Bob Hoyer