How can a bank I have an account with not cash a payroll check?

My bank said they would not cash my payroll check because it would appear negative on my account until it cleared. I currently have a positive balance but the new check exceeds the balance. I have never had this happen before and it is still with the same employer why would they do this?

How can a bank I have an account with not cash a payroll check?
The bank can and will refuse to cash a check in such a situation.


Since the check is drawn off another bank, they DON'T have a 100% guarantee it is good, regardless of regular deposit or not (computer messups, etc happen).





The bank is right to worry about cashing a check if they know you don't have the funds to cover it. It's the bank covering their ***.





As suggested, go to the bank the check is drawn off of (you can usually find this in the mid-lower left hand side) and cash it there. If this bank is inconveniently located you have two options:


Deposit the check and wait for it to be made available, then withdraw the funds.


Goto a (shudders) check cashing place - LAST RESORT ONLY!





Good luck, I hope this helps!
Reply:All you need to do is cash the check where it was made and then go to your bank where you have the negative balance and give them the cash. So for example, your payroll check is made by Wells Fargo, go to that bank, they'll cash it right away, all you need is 2 forms of ID, this works at mostly all banks. Then go back to your own bank, where it's negative and give them cash directly. Banks can only put holds on checks, but not cash. This happen to me several times, cuz' my bank account was overdrawn a lot, then afterwards the banks wouldn't trust me. It takes a while, maybe 6-months or more before they stop putting holds, but your accounts need to be in good standing or somethin'. If you just go to a teller and give them a check with a bad overdrawn history, they may put a hold on it for like 10 days. You can also talk to the branch manager, tell the person that you've been depositing the same checks all the time, check the transaction history. The branch manager has the discretion to let it go.
Reply:I used to have a bank that did the same thing. In other words your bank account has to have enough money in it to cover your paycheck should it bounce. Get another bank. I can understand the attitude they have if you had a problem with your paycheck, but since you dont, they are just being a**es.
Reply:Sounds like you need to speak with your bank manager. Every bank has different "rules" for this sort of thing (and a lot of times they're really screwy!!!).
Reply:Banks don't make it easy for people. If you deposit the check it will probably clear soon. I take mine to the supermarket and they cash it because I have a check cashing card with them and the checks I get are not that big.