Quote:
Originally posted by Cynthetiq
with check card you can contest any amounts that you did not authorize.
totally different than a fiduciary instrument (check) with your signature on the bottom.
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My experience here is that this is absolutely incorrect, and having money returned to you is much more complicated then contesting the amounts and will likely involve binding arbitration or civil litigation with a criminal defendant. Not the bank. This is also true for your bank account numbers. With your aba/routing number and account number or check card number, NO PIN or signature required, you can have money withdrawn from your account, and should you want it back, or it be unauthorized, you will need to involve law enforcement. I do not believe that banking institutions have any liability
Same is true for a paper check with a forged signature. Banks are not required to, take no responsiblity for, and DO NOT check your signature card on file at your bank branch before paying a check...EVER. Again, money gone, you don't contest it, you need to fight, involve law enforcement and litigate to get it back.
Re-reading the original posters questions, you could find additional charges down the road, but this is true for EVERY TIME you use your check card or write a check.
I would be comfortable with the UPS store too...if something went askew with an employee they would likely take care of business.
That is what credit cards are for...your protection.
be smart,
-bear