If the bank didn't put a 10 day hold on cheques deposited this way making the whole thing utterly useless unless one has lots of money and can wait 10 days.

Oddly if the cheque deposited into the ATM no hold, or in person with a teller no hold, but they will hold it if done by photo deposit.

What sounded like a good service to make depositing cheques easier, turned out to be a useless product.

Why even offer it?

What's a cheque?

Thing my wife gets 2 times a month from working....

Her employer refuses to use direct deposit.

Does she work in the 70s?

No, just 2 employees, the rest are commissioned agents so the broker doesn't want to set up direct deposit for just 2 people.

Not entirely unusual for a small employer to do cheques still, I've worked for a couple as well who did paper cheques still.

Something still used by Provincial Government. At least the NB one. There are things they still issue and receive cheques for.

A few years ago - can't remember the exact details, might have been tax being added to electricity, whatever it was amounted to an 8% increase - the NB government said they'd refund everybody's 8%.

Not for them the simple method of having NB Power charge customers the appropriate 92% and tell the gov what the sum of everyone's 8% was for a nice straightforward transfer of funds.

Nope. NB Power was to charge everyone the 100% with customers saving the 12 bills they'd received in the mail.

Then customers had to mail off a nice big padded out envelope containing 12 bills and an application form. Someone in a government depart, no doubt set up just to deal with this, would then calculate 10% of each of the 12 bills and total that for that amount amount to be refunded to each customer. So that would be every householder.

The refund, of course, being issued by cheque. With, no doubt, more padded envelopes returning all those bills.

Inevitably there would be 'missing' cheques to investigate as well.

And let me guess, the said government employee was located in some far flung outpost of NB in a riding held by a MLA who had squeaked through and was in danger of not getting re-elected but this would be a good news pork barrel story that would ensure continued representation by that MLA.

Direct deposit is expensive for the employer.

Interact e-transfer isn't though. That's what I use for my staff as the nearest bank is 70kms away.

I always figured it was, unless the company has been large or part of a larger company, it's always been paper cheques.

Paper cheques are just a pain, puts kinks in bill paying sometimes as some tellers insist on placing a hold on it, 95% don't so we try and only use those tellers. We've complained to the branch manager about holds when 2 of these cheques are put in each month, local well known long term company, almost 2 years of her depositing cheques problem free, but the answer always is, tellers discretion as to the holds.

Since he's unwilling to pay electronically, ask your employer for cash. Insist on it.

Ceredian charges me $2 for a payment. Interac email would charge me $1.50. What type of cheapo employer believes that either of those are expensive?

Exactly. Our interact email charge is 50c per transaction. Cheaper than buying company cheques, and setting up payments is quicker and easier than writing cheques out by hand.

Who do you bank with? RBC don't hold theirs for more than 1-4 days

RBC. They don't hold the cheques if deposited with a teller in person, and a 1 night hold if deposited in the ATM as in deposit by 6pm on Monday, it's fully available by 6am Tuesday normally.

We asked at the branch about mobile deposit and the teller checked with the supervisor and she said our account mobile banking would be a 10 day hold, so we are not risking it, we can't have the cheques held or risk being held since we need to pay bills the day after each scheduled pay day, anything that keeps the cheque from being available means bounced bills.