No matter who you are ; you are going to want to cash a check once in a while .Typically; and I know that this is common knowledge; there are two choices; going into the Bank and depositing the check directly to the teller;or going to the Bank machine.I was for the first time ;that I can remember asked to have a check certified;by one of my banks ;that I deal with the T.D. I was really surprised by the Banks response;as my loyalties are with all Banking institutions ; the check that was in question was for only $1500; and after talking to the main branch and also to head office; the matter was resolved in my favour. The T.D bank is only doing its job at the branch level; however the Banks are becoming more;and more cautious ;and although the banks have been doing very well in Canada; there is no doubt in my mind that after talking to Bankers from all five majors; that things are starting to change at the branch levels .Fraud and bad checks; are becoming a real issue and concern due to the levels of continues unemployment ;and lack of accountability on behave of the presenter of the check.I am in full support of the Banks ;after all they are my partners.
Unemployment in Canada is in my view ;going to 20% or higher treat your Banker well I believe your going to need him or her.
Edward H.C Graydon
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