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I can't cash my paycheck anywhere!

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can someone please help me? I cannot cash my paycheck anywhere! I have a live check because my bank account is frozen (bank levy) and if i cash my check there they will take out the money i owe for for NSF. I need my whole paycheck to give my landlord a money order for rent (i need all but $2). I have to give him a money order because i had a check bounce in the past.
The bank it is drawn on was closed because of the snow we had but i have a lot of questions.
First my paycheck says Fleet bank. they are now bank of america, will that be a problem?
I tried to cash my check at wal mart and they will not let me because i bounced a check with them before. i tried a few other places and i could not there neither. i am trying not to go to a check cashing place because they will take so much money out that i would not be able to afford rent.
will bank of america cash it if the check says fleet on it? is it right that wal mart will not cash my check? i bounced a check with them years ago but do not owe anyone anything for bounced checks. i do not even write checks anymore! my landlord check bounced only because of my landlord.

oh, i forgot to mention that with wal mart and the check cashing booth at 711 (which i was willing to pay $17 for!!!) both gave me a credigy phone number (i may be spelling that wrong) this is why i assume it is because of telecheck. i know i cannot write checks anywhere but that does not really affect me because i normally use cash or an atm card. i just never thought it would be so hard to cash a government payroll check! :( will bank of america even take it? i owe my landlord the money order early tommorow am.. i was supposed to give it tonight but the snow put it off.

Sub: #1 posted on Sun, 02/07/2010 - 05:39

bea2ls bea2ls
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Can you just endorse your pay check over to your landlord?

Sub: #2 posted on Sun, 02/07/2010 - 05:44

Moderators Cum Industry Expert
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Do you know anyone who has an account at a credit union, if you do they may cash it for you for two dollars, at least that's the protocol at credit unions in this area, just a suggestion.

Sub: #3 posted on Sun, 02/07/2010 - 05:47

Shazzers Shazzers
Moderators Cum Industry Expert
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thanks, guys.. it is so crazy, i though all my check problems were behind me!
my landlord will not accept my paycheck, i tried that :(
shazz- great idea but i bank at the credit union and idk if they will let me.
do you think bank of america will give me a hard time? i have no idea why the check says fleet on it, they have been bank of america for years now! i guess that's the government for you.. :( but like i said i tried to go today but they were closed due to the snow

Sub: #4 posted on Sun, 02/07/2010 - 05:53

bea2ls bea2ls
(Posts: 3840 | Credits: 370.56)

update, after going to several locations bank of america did end up cashing it. thankfully, since the check cashing place is closed on sundays and a rip off.
than i had to go to another store for a money order and the cashier accidently ripped it in half! i nearly had a heart attack lol. the store manager said it is fine because the serial numbers are complete on it but jeez.. obviously i am saving the receipt but my landlord will kill me if he has a problem... i also do not have a phone so he will come knocking, my stress level is soaring. will a ripped money order be a problem??
also how can i clear my telecheck status? i have not written a check in forever and i do not owe anyone anything..

Sub: #5 posted on Sun, 02/07/2010 - 22:51

bea2ls bea2ls
(Posts: 3840 | Credits: 370.56)

Personally I would have made them cancel the MO and redo it.

When I was in college I worked in the data center of a bank. We got torn and ripped checks and money orders all time. They just have to be handled manually.

Sub: #6 posted on Sun, 02/07/2010 - 23:04

Moderators Cum Industry Expert
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looking back, i agree soaplady... i should have went back i think i was just in such a hurry because he could not reach me if he was looking for the check (he has a drop box). it is so crazy how you get used to having a phone on you all the time... now i am so paranoid without it!

Sub: #7 posted on Sun, 02/07/2010 - 23:09

bea2ls bea2ls
(Posts: 3840 | Credits: 370.56)

They should give you a phone number to Telecheck and when you call them, they will tell you why you are in their system and give you the name of the creditor that put you there. It might be a case of the creditor not clearing you once you paid off the check. I would give them a call and see what comes up in their system.

Sub: #8 posted on Mon, 02/08/2010 - 09:13

kscornell kscornell
(Posts: 4409 | Credits: 473.19)

thanks, i will do that.. it just surprised me that i was still on there! i will gladly pay if i do owe but am pretty sure i have taken care of it.
my landlord took the money order, so it does not seem to be a problem there :)

Sub: #9 posted on Mon, 02/08/2010 - 20:59

bea2ls bea2ls
(Posts: 3840 | Credits: 370.56)


Breathe in breathe out! It's all going to be ok!!! I have been in the same spot as you and it will be ok!! :)

Sub: #10 posted on Tue, 02/09/2010 - 02:38

tyleeash tyleeash

(Posts: 143 | Credits: 19.56)

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