mailing a check to the US

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calygirl
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mailing a check to the US

Postby calygirl » Mon Mar 03, 2014 2:43 pm

So I went to the Serpost today to mail an insurance check to an insurance company in the US for a life insurance premium. The woman at the counter noticed through the envelope that it contained a check and said no checks can be sent through the mail and refused to take it. Anyone heard of this before? I sent the same check last year with no problems.


ironchefchris
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Re: mailing a check to the US

Postby ironchefchris » Mon Mar 03, 2014 3:09 pm

That's new to me. Never had a problem sending a check before, but I place the check inside a folded sheet of paper so that if held to the light it looks like a simple letter instead of obviously holding a check.
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Arroz con Pollo
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Re: mailing a check to the US

Postby Arroz con Pollo » Mon Mar 03, 2014 4:38 pm

A few years back I had a US client who mailed me a check to Lima by mistake and they could no reissue another. So I had to go to FedEx to mail it back to a family member. This was before banks had online check cashing. Anyway, FedEx charged me $50 b/c checks were required to be sent using the overnight service. So that was then.

Now, I'd suggest checking into your bank's online features. You may be able to take a digital photo and deposit it through their portal. I know for a fact Capital One checking and Bank of America offer this service and it works great. Wish I had it back then...

I misread that you need to mail a check to pay for a service so I guess that's not gonna help you. Doesn't the insurance company have an online payment service where you can enter a digital check with routing number etc?
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Re: mailing a check to the US

Postby Danny55 » Mon Mar 03, 2014 5:14 pm

Do what IronChris does. I have also noticed that the envelops in Peru tend to be in the thin side.
I would never mail anything anywhere in the world if somebody can put your envelop to the light and see what is written inside.
Place a piece of blank paper around the check and take it back to Serpost and send it, you will have no problems.

But, if you can do it online even better!
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calygirl
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Re: mailing a check to the US

Postby calygirl » Mon Mar 03, 2014 6:37 pm

Thanks all for the input. I'm going to follow IronChris' s suggestion...that's what I should have done in the first place...would have saved some aggravation.
ironchefchris
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Re: mailing a check to the US

Postby ironchefchris » Mon Mar 03, 2014 7:24 pm

That advice was from back in the day. I haven't written a physical check in years. I try to do as much bill paying as possible online and use postal money orders on those rare occasions I need to send a check - good if it gets lost or stolen. A postal money order doesn't do much good here in Peru though so as long as your comfortable sending a check in the mail try it inside the folded paper. Then again, I'm not so sure electronic banking is the safest thing either.
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Arroz con Pollo
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Re: mailing a check to the US

Postby Arroz con Pollo » Mon Mar 03, 2014 7:33 pm

Yup, bypass rules that might be in place for legal reasons. Great advice.
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chi chi
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Re: mailing a check to the US

Postby chi chi » Mon Mar 03, 2014 7:45 pm

calygirl wrote:So I went to the Serpost today to mail an insurance check to an insurance company in the US for a life insurance premium. The woman at the counter noticed through the envelope that it contained a check and said no checks can be sent through the mail and refused to take it. Anyone heard of this before? I sent the same check last year with no problems.


Just put it in one of those brown manillla envelops and they can't see trough it.

I use them all them time to send my wellfare paperwork to Europe.
argidd
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Re: mailing a check to the US

Postby argidd » Tue Mar 04, 2014 12:02 am

That is because valuables are not supposed to be mailed through the post, if you check they say no money, no jewelry, no valuables.
Regards,

Argidd
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calygirl
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Re: mailing a check to the US

Postby calygirl » Tue Mar 04, 2014 9:16 am

Believe me, if this company had an electronic billing mechanism, I wouldn't be dealing with this hassle, but sadly, they don't. And yes, Argidd, I did check the regs. It mentions no currency, no paper money, no traveler's checks, bank notes, and......securities payable to bearer....which could be interpreted as a "cheque" or "check" in english. So there you have it.
As mentioned, I sent a check last year with no problem at either end.
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Re: mailing a check to the US

Postby dlareg » Tue Mar 04, 2014 11:08 am

argidd wrote:That is because valuables are not supposed to be mailed through the post, if you check they say no money, no jewelry, no valuables.



Would you consider a DNI to be valuable?
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Re: mailing a check to the US

Postby argidd » Tue Mar 04, 2014 11:59 am

Is FedEx significantly more expensive?

If the regular post is your only option, then put a paper around the check and put it in an envelope...
Regards,

Argidd

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